| 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 |
Modular Pet Insurance Plan
Minimum age = 8 weeks
Maximum age = 8 years
Whole Pet Plan
Not Clear
Major Medical Plan
9 years and younger
|
| Cancellation Policy |
Ask for a current copy of their insurance policy so that you may review their cancellation policy |
| Waiting Period |
Modular Pet Insurance Plan
14 days for illness
14 days for accidents
12 months for cruciate and meniscal damage or rupture
Whole Pet Plan
14 days for illness
14 days for accidents
12 months for cruciate and meniscal
damage or rupture
Major Medical Plan
14 days for illness
14 days for accidents
12 months for cruciate and meniscal
damage or rupture
12 months for hip dysplasia
**Waiting Periods can vary by state. See actual policy or contact Nationwide to confirm the waiting periods for your state.
|
| Waiting Period for Cruciate Injury |
Modular Pet Insurance Plan
12 months for cruciate and meniscal damage or rupture.
Based on wording in sample policy, it appears that cruciate coverage may be an optional add-on. After 12 months has passed, you must remember to call the company and apply for it as it is not automatically available in the base plan.
Whole Pet Plan
12 months
Major Medical Plan
12 months after which there are monetary limits.
|
| Coverage When Travel Out of State or
Country? |
You can choose any licensed veterinarian worldwide |
| 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? |
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get Continual Chronic conditions coverage. The way this plan is structured, illness coverage is optional.
Whole Pet Plan
Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.
(See 'Max Payout' section below)
Major Medical Plan
Coverage for chronic conditions in subsequent
years is available up to the benefit allowance for the diagnosis/treatment.
Benefit schedule allowances are reset every policy year.
|
| Can the Price of the Policy Increase
if a Claim is Filed? |
Not Clear
The Modular Pet Insurance Plan does appear to use a utilization level factor when calculating initial/renewal premium pricing. |
| Choice of Vet? |
You can choose any licensed veterinarian worldwide |
| Money Back Guarantee? |
Availability and number of days varies by state.
|
| 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 contact 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 |
Dogs and Cats |
Accident/Injury -
Baseline Coverage |
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
|
Illness -
Baseline Coverage |
Modular Pet Insurance Plan
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication when Illness coverage is included.
The way this plan is structured, illness coverage is optional.
Whole Pet Plan and Major Medical Plan
Covers examinations, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
|
| Behavioral Therapy Coverage |
Modular Pet Insurance Plan
Based on wording in sample policy, it appears that Behavioral Therapy coverage may be an optional add-on in some states.
**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered.
Whole Pet Plan
According to their website, They do not cover "...behavioral training, therapy or treatment that is: (1) not prescribed by a veterinarian or (2) pet obedience training, , regardless of who performs it"
**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Major Medical Plan
Not Covered |
| Alternative Therapy Coverage |
Modular Pet Insurance Plan
[INCLUDED] Alternative therapy must be performed or prescribed by a licensed veterinarian for a covered condition.
Whole Pet Plan
[INCLUDED] Alternative therapy must be performed or prescribed
by a licensed veterinarian for a covered condition.
Major Medical Plan
Not clear if it is covered.
***See actual policy or contact Nationwide for a complete description of what types of Alternative Therapy are covered.
|
| Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
Modular Pet Insurance Plan
According to the Modular Pet Insurance policy a "Pre-existing condition means any condition that began or was contracted, manifested, or incurred
before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed, or treated."
Whole Pet Plan & Major Medical Plan
According to the Whole Pet policy a pre-existing condition is "...any condition that began or was contracted, manifested, or incurred up to twelve (12) months before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed, or treated. A chronic condition is a pre-existing condition unless it began after the effective date of this policy."
**See actual policy or contact Nationwide for complete description of their pre-existing
conditions policy. |
| Hereditary & Congenital Conditions Coverage |
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get Hereditary and Congenital coverage. The way this plan is structured, illness coverage is optional. Illness coverage comes with removable Hereditary and Congenital coverage.
Hereditary and Congenital conditions (including hip dysplasia) will only be covered up to $5,000/year.
Whole Pet Plan
Their website explicitly states Hereditary conditions are covered. However, it is unclear whether or not Congenital conditions are covered.
Conditions that are covered are covered up to the Maximum Payout. (See 'Max Payout' section below)
Major Medical Plan
[VERY LIMITED COVERAGE]
Congenital/developmental defects are not covered.
Certain hereditary conditions are excluded.
With the Nationwide Major Medical Plan, coverage for "specified ineligible conditions" (many of which are hereditary conditions) becomes available after you've had the plan for one year. The monetary limits on this coverage are $275 per policy term toward diagnosis or medical treatment and $550 per policy term for surgical treatment.
These monetary limits are per policy term and are for any incident or treatment of the conditions in their 'Ineligible Conditions' list. So if you use up your $275 or $550 on one condition in that list, no more money is available for any other condition on that list until policy renewal.
**See actual policy or contact Nationwide for a complete description of their
Hereditary & Congenital Conditions Policy. |
| Continual Coverage for Chronic Conditions
|
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get this coverage. The way this plan is structured, illness coverage is optional.
Whole Pet Plan
[INCLUDED] Continual coverage for chronic conditions is included in
the policy.
Major Medical Plan
[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. Benefit schedule
allowances are reset every policy year. The condition must be listed on the Benefit Schedule in order to be covered.
|
| Chronic Conditions Policy |
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get Chronic Conditions coverage. The way this plan is structured, illness coverage is optional.
Whole Pet Plan
Chronic Conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below)
Major Medical Plan
Coverage for chronic conditions in subsequent years is available up
to the benefit allowance for the diagnosis/treatment. Benefit schedule
allowances are reset every policy year. The condition must be listed on the Benefit Schedule in order to be covered. Chronic conditions that are
pre-existing or that occur during the waiting period are not covered.
**See actual policy or contact Nationwide for a complete description of their Chronic Conditions Policy.
|
| Cancer Coverage |
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get Cancer coverage. The way this plan is structured, illness coverage is optional.
Whole Pet Plan
Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Major Medical Plan
[LIMITED COVERAGE] Cancers listed in the benefit schedule are covered
up to the benefit allowance for the diagnosis/treatment. Benefit schedule
allowances are reset every policy year.
If the cancer is not on the
schedule, consider 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.
(See 'Chronic Conditions Policy' section above) |
| Cancer Coverage Limits |
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get Cancer coverage. The way this plan is structured, illness coverage is optional.
Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Whole Pet Plan
Cancer conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below)
Major Medical Plan
Coverage for eligible cancers in subsequent years is available up
to the benefit allowance for the diagnosis/treatment. Benefit schedule
allowances are reset every policy year. |
| Hip Dysplasia |
Modular Pet Insurance Plan
You must purchase accident AND illness coverage to get Hip Dysplasia coverage. The way this plan is structured, illness coverage is optional.
Hereditary and Congenital conditions (including hip dysplasia) will only be covered up to $5,000/year.
Whole Pet Plan
Hip Dysplasia is covered as long as it is not pre-existing and has not occurred during the waiting period.
This condition is covered up to the Maximum Payout.
(See 'Max Payout' section below)
Major Medical Plan
[LIMITED] With the Nationwide Major Medical Plan, coverage
for hip dysplasia becomes available after you've had the plan for
one year (This may vary by state). The monetary limits on this coverage are $275 per policy
period toward diagnosis or medical treatment and $550 per policy period
for surgical treatment.
These monetary limits are per policy term and are for any incident or treatment of the conditions in their 'Ineligible Conditions' list. So if you use up your $275 or $550 on one condition in that list, no more money is available for any other condition on that list until policy renewal.
With the Major Medical Plan, there is a 12 month waiting period for hip dysplasia.
(See 'Hereditary & Congenital Conditions Coverage' section above) |
| Prescription Drug Coverage |
Modular Pet Insurance Plan
Coverage for prescription drugs for covered medical conditions is included.
Whole Pet Plan
Coverage for prescription drugs for covered medical conditions is
included.
Major Medical Plan
Coverage for prescription drugs for covered medical conditions is
included up to the benefit allowance for the diagnosis/treatment.
Benefit schedule allowances are reset every policy year. The condition must be listed on the Benefit Schedule in order to be covered.
**See actual policy or contact Nationwide for full list of inclusions and exclusions |
| Pregnancy Coverage |
Modular Pet Insurance Plan
Not Clear
Whole Pet Plan
Not Clear
Major Medical Plan
Not Covered |
| Routine/Wellness Coverage |
Modular Pet Insurance Plan
[OPTIONAL]
Whole Pet Plan
[NO]
Major Medical Plan
[OPTIONAL]
**See actual policy or contact Nationwide for complete description of their Wellness Coverage |
| Vaccinations |
See Routine/Wellness Coverage
above for details |
| Spay/Neuter |
See Routine/Wellness Coverage
above for details |
| Dental Care (Routine) |
See Routine/Wellness Coverage
above for details
|
| Dental Care (Illness/Accident) |
Modular Pet Insurance Plan
Not Clear
Whole Pet Plan
Not Clear
Major Medical Plan
[LIMITED COVERAGE] Only the dental conditions
listed in their benefit schedules are covered.
**See benefit schedule, actual policy or contact Nationwide for a full list of inclusions and exclusions. |
| Bilateral Conditions Policy |
Modular Pet Insurance Plan
Not Clear
Whole Pet Plan
Not Clear
Major Medical Plan
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) |
Modular Pet Insurance Plan
Diagnostics and treatments due to illness and accidents. The way this plan is structured, illness coverage is optional.
Whole Pet Plan
Diagnostics and treatments of eligible illness and accidents
Major Medical Plan
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) |
Modular Pet Insurance Plan
- Pre-existing conditions
- Conditions that occur during the waiting period
- Grooming
Whole Pet Plan
- Pre-existing conditions
- Conditions that occur during the waiting period
- Grooming
Major Medical Plan
- Pre-existing conditions
- Conditions that occur during the waiting period
- Congenital Conditions
- Certain Hereditary Conditions
- Conditions not listed in the benefit schedule
...See policy for a complete listing |
| Reimbursement |
Modular Pet Insurance Plan
Choose from 50% to 90%
Whole Pet Plan
Choose from 50% or 70%
Major Medical Plan
Reimbursement is based on defined via a Benefit Schedule
|
| Deductible |
Modular Pet Insurance Plan
$100, $250, or $500 annually
May vary by state.
Whole Pet Plan
$250 annually
Major Medical Plan
$250 annually.
|
| Flat Deductible vs % Deductible |
Flat |
| Deductible Per Incident vs Annual Deductible |
Annual deductible |
| How is Reimbursement Determined |
Modular Pet Insurance Plan
Not Clear
Whole Pet Plan
Reimbursement is based on UCR (usual and customary).
It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
Major Medical Plan
Benefit Schedule - This 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 |
Modular Pet Insurance Plan
This plan has a $5,000 or Unlimited annual maximum payout. In either case, Hereditary and Congenital conditions will only be covered up to $5,000/year.
You must purchase accident AND illness coverage to get Hereditary and Congenital coverage. The way this plan is structured, illness coverage is optional.
Whole Pet Plan
This plan has $10,000 annual maximum payout.
Major Medical Plan
This plan has a maximum payout based on a benefit schedule allowance that resets every year. |
| Max Lifetime Payout |
Nationwide Pet Insurance does not have a maximum lifetime payout |
| Max Payout per Incident |
Modular Pet Insurance Plan
This plan does not have a maximum payout per incident
Whole Pet Plan
This plan does not have a maximum payout per incident.
Major Medical Plan
This plan does not have a maximum payout per incident, but there is
a maximum payout based on a benefit schedule allowance. This allowance
is reset every policy year. |
| Max Payout Based on Body System |
Nationwide Pet Insurance 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. |