| Policy Term |
Not Clear |
| Effective Date |
The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted. |
| Enrollment Age |
Not Clear |
| Cancellation Policy |
Ask for a current copy of their insurance policy so that you may review their cancellation policy. |
| Waiting Period |
Not Clear |
| Waiting Period for Cruciate Injury |
|
| Coverage When Travel Out of State or
Country? |
Not Clear |
| Can the Price of the Policy Increase as my Pet Ages? |
Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact the company for more information on when and by how much your premium may increase. |
| Does Coverage Stop Due to Age? |
No |
| What Happens when the Policy Renews? |
Coverage for chronic conditions in subsequent years is available up to the benefit allowance
for the diagnosis/treatment as long as you have not gone over the maximum annual and per incident payout limits. Benefit schedule
allowances are reset every policy year.
|
| Can the Price of the Policy Increase
if a Claim is Filed? |
No |
| Choice of Vet? |
Not Clear |
| Money Back Guarantee? |
Not Clear
|
| Surcharge for Visiting a Specialist or Emergency
Clinic? |
No |
| Referral needed to Visit a Specialist? |
No |
| Pre-certification Required? |
No |
| Additional Requirements |
**See actual policy or call Nationwide for a complete
list of the requirements you are expected to adhere to in order to
maintain coverage. |
| Pet Insurance Policy Available for Pre-Purchase
Review? |
Sample policy available online |
| Species Covered |
Select Birds and Exotic Pets |
Accident/Injury -
Baseline Coverage |
Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
It is not clear if exams are covered.
|
Illness -
Baseline Coverage |
Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
It is not clear if exams are covered.
|
| Behavioral Therapy Coverage |
Behavioral problems not listed in the Benefit Schedule are not covered. |
| Alternative Therapy Coverage |
Not Clear
|
| Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
"...Injury or illness contracted, manifested
or incurred prior to the policy effective date, unless such injury
or illness has been cured and there has not been a reoccurrence or
manifestation of the injury or illness requiring treatment. Support
documentation from a licensed veterinarian must be submitted to us
for consideration of removal of any medical exclusion."
**See actual policy or call Nationwide for complete a description of their pre-existing
conditions policy. |
| Hereditary & Congenital Conditions Coverage |
[NO] Hereditary and Congenital conditions are not covered.
**See actual policy or call Nationwide for complete description of their
Hereditary & Congenital Conditions Policy. |
| Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions is included in policy.
Coverage for chronic conditions in subsequent years is available up to the benefit allowance for the diagnosis/treatment
as long as you have not gone over the maximum annual and per incident payout limits. Benefit schedule allowances are reset
every policy year. If the condition is not on the Benefit Schedule, it is not covered. |
| Chronic Conditions Policy |
Coverage for chronic conditions in subsequent years is available up to the benefit allowance
for the diagnosis/treatment as long as you have not gone over the maximum annual and per incident payout limits. Benefit
schedule allowances are reset every policy year. If the condition is not on the Benefit Schedule, it is not covered.
They do not cover chronic conditions that are pre-existing or that occur during the waiting period.
**See actual policy or contact Nationwide for complete description of their Chronic Conditions Policy.
|
| Cancer Coverage |
[LIMITED COVERAGE] Cancers listed in the benefit schedule are covered up to the benefit allowance for
the diagnosis/treatment as long as you have not gone over the maximum annual and per incident payout limits. If the cancer is
not on the schedule it is not covered. If the cancer condition is not on the schedule it is not covered.
They do not cover cancers that are pre-existing or that occur during the waiting period.
Cancers that are considered to be hereditary or
genetic may not be covered.
For ferrets, diagnosis, medical management, or surgical correction of any endocrine tumors (benign and malignant), endocrine hyperplasias of any kind, and associated splenectomy are not covered.
|
| Cancer Coverage Limits |
Coverage for eligible cancers in subsequent years is available up to the benefit allowance
for the diagnosis/treatment as long as you have not gone over the maximum annual and per incident payout limits. Benefit
schedule allowances are reset every policy year.
(See 'Chronic Conditions Policy' section above)
|
| Prescription Drug Coverage |
[INCLUDED] Coverage for prescription drugs
for covered medical conditions is included up to the benefit allowance
for the diagnosis/treatment
**See actual policy or contact Nationwide for full list of inclusions and exclusions |
| Pregnancy Coverage |
[NO] |
| Routine/Wellness Coverage |
[NO] |
| Dental Care (Illness/Accident) |
[LIMITED COVERAGE] Only the dental conditions
listed in their benefit schedules are covered.
Orthodontics, endodontics and removal of deciduous teeth are not covered
**See benefit schedule, actual policy or contact Nationwide for full list of inclusions and exclusions. |
| Bilateral Conditions Policy |
Not Clear
**Contact the company for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
|
Coverage - Overview
(please
read policy for full coverage details) |
Diagnostics and treatments of eligible illnesses and accidents. Diagnosis/treatment must be listed in the benefit schedule to be covered.
**See benefit schedule, actual policy or contact Nationwide for full list
of inclusions, exclusions, limitations and conditions. |
What's not Covered - Overview
(partial listing, please read policy
for full details) |
- Pre-existing conditions
- Conditions that occur during the waiting period
- Congenital & Hereditary Conditions
- Conditions not listed in the benefit schedule
- Breeding or conditions related to breeding
- Special diets, pet foods, vitamins, mineral supplements, boarding
or transporting expenses and grooming costs
- Treatment for internal or external parasites
- Orthodontics, teeth cleaning, polishing, endodontics and removal of deciduous teeth.
- For ferrets, diagnosis, medical management, or surgical correction of any endocrine tumors, both benign and
malignant, or endocrine hyperplasias of any kind, or associated splenectomy.
...See policy for a complete listing |
| Reimbursement |
According to their website, they "...will pay 90% of the current Avian & Exotic Pet Plan Veterinary Services Benefit Schedule as
established and published per incident during each policy term after the deductible for eligible
expenses submitted." |
| Deductible |
Not Clear |
| Flat Deductible vs % Deductible |
Not Clear |
| Deductible Per Incident vs Annual Deductible |
Not Clear |
| How is Reimbursement Determined |
Nationwide Bird and Exotic plan uses a benefit schedule to determine how much you will be
reimbursed per diagnosis/treatment per policy year. The benefit schedule allowances are reset each year. |
| Max Payout Annually |
For Birds and Exotic Pets, Nationwide has a maximum
annual payout of $7,000 |
| Max Lifetime Payout |
Nationwide does not have a maximum lifetime payout |
| Max Payout per Incident |
The Bird and Exotic Plan has a per incident maximum of $2,000
|
| Max Payout Based on Body System |
Nationwide does not have a maximum payout based on
body system |
| Client Reimbursed or Vet Paid Directly |
You pay the veterinarian and then you are reimbursed
after you file the claim. |