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Pet Insurance

Need pet insurance? Get cat or dog health insurance for as little as $1 per day *

You may be able to save 5% on a Nationwide Pet Health Insurance, and an additional 5% when insuring more than one pet.2

Rather speak with an insurance agent? Call us: (877) 334-7646

What Is Pet Insurance?

Pet health coverage helps you pay the cost of unexpected veterinary care, reimbursing up to 90% of eligible vet bills. It’s designed to reduce the financial stress of sudden accidents or illnesses so your dog or cat can get the care they need. Pets are family — with the right protection, you can focus on their health, not the bill.

Nationwide Pet Insurance Through IronPoint

IronPoint partners with Nationwide® to offer customizable pet health insurance plans that fit your pet’s needs and your budget. You’ll also have access to Nationwide’s 24/7 Pet Helpline for quick answers from veterinary experts — from everyday questions to urgent concerns.

Pet Insurance Coverage

What Does Pet Insurance Cover?

A Nationwide pet policy helps cover the care your pet needs most. Pet insurance coverage includes:

  • Accidents – broken bones, sprains, lacerations, poisoning
  • Illnesses – allergies, ear infections, arthritis, cancer
  • Wellness & Preventive Care – checkups, vaccinations, flea & tick prevention
  • Emergency Care – emergency exams, hospitalization, specialist consultations
  • Surgical Procedures – anesthesia, surgery, post-operative care

Note: Pre-existing conditions are not covered. For a full list of exclusions, review Nationwide’s policy details.

Pet Protection Plans Are Customizable

Nationwide® pet insurance gives you flexibility to choose the coverage that works best for your pet and your budget. Select your deductible (from $50 to $1,000), reimbursement percentage (70% to 90%), and annual limit (from $5,000 to unlimited). With these options, you can tailor a plan that balances cost with the protection your pet needs. Get a pet health insurance quote online to create a plan today.

A Pet Policy Doesn’t Cover Everything

Pet coverage is designed for future medical expenses and won’t cover pre-existing conditions. Other exclusions include (but are not limited to):

  • Preventive, elective, or experimental procedures are not included in your plan
  • Non-veterinary expenses such as food, special diets, vitamins, and supplements

Why Choose Nationwide Pet Insurance?

Not all pet plans are the same. Nationwide® offers important advantages that help make caring for your pet easier and more affordable:

  • A single annual deductible: Pay one deductible per year, not per claim.
  • Fast, simple claims: Submit claims online or through the Nationwide app and get paid quickly, with direct deposit available.
  • Flexible payment options: Choose monthly, quarterly, or annual billing to fit your budget.
Pet Insurance Quote

Quote & Buy Pet Insurance Online Today

Start a pet health insurance quote today & be prepared for that next unexpected, expensive vet bill. We make it fast, safe, and secure.

Have an Insurance Agent Call Have an Agent Contact Me

Call 1-877-334-7646 to speak with an insurance specialist.

Pet Insurance FAQs?

What is pet insurance?

Pet health insurance helps reimburse you for a portion of eligible veterinary bills when your dog or cat has a covered accident or illness. It turns unpredictable vet costs into a more manageable plan.

How does Nationwide pet insurance work?
Visit any licensed veterinarian, specialist, or emergency clinic. Pay your vet, then submit a claim through Nationwide’s online portal or mobile app. Your reimbursement is based on the plan’s deductible, reimbursement percentage, and annual limit.
What does Nationwide pet insurance cover?
Plans can help with accidents, illnesses (including serious conditions like cancer), emergency care, diagnostics, hospitalization, surgery, and more. Optional wellness benefits may be available for routine care like exams and vaccines.
What isn’t covered?
Pre-existing conditions aren’t covered. Other exclusions can include elective or experimental treatments and non-veterinary expenses (like food, supplements, or special diets). Waiting periods and other policy terms apply—review your policy for details.
How much does pet insurance cost?

The most common question is, What does pet insurance cost? Well, pricing depends on your pet’s species, breed, age, and where you live—plus the deductible, reimbursement level, and annual limit you choose. Get a personalized rate by starting an online quote.

Can I customize my pet’s insurance plan?
Yes. You can select your deductible, reimbursement percentage, and annual limit to balance monthly cost with the protection you want.
Does Nationwide offer 24/7 veterinary support?
Yes. Eligible members get access to Nationwide’s VetHelpline® for 24/7 virtual support from veterinary professionals.

*Rates are subject to change upon regulatory approval and will vary based on location, breed, age, and selected coverage options, deductible and reimbursement level. Actual rates may be higher or lower. Rates calculated based on 2018 data. Terms and conditions apply. See policy for details. 

1Select a plan that reimburses 70%, 80%, or 90% of the cost of eligible veterinary treatment. Limited to covered expenses. Terms and conditions apply. See policy for details. 

25% discount applies to Nationwide Pet Insurance plans; discount not available in AK, FL, HI, or TN. 

Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company.