Understanding Pet Insurance: Coverage, Costs, and Perks

September 29, 2025 · 3 minute minute read

Blog Understanding Pet Insurance: Coverage, Costs, and Perks

Pet insurance can feel complicated, but it doesn’t have to be. Whether you’re wondering what’s covered, how reimbursement works, or if you can still use your favorite vet, we’ve put together this quick guide to answer the most common questions.

Have questions?
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Phone: (540) 347-7322

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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

🐾 What do the plans cover?

Nationwide® pet insurance offers nose-to-tail protection:

✔ Accidents (broken bones, sprains, poisonings)
✔ Illnesses (allergies, infections, arthritis, cancer)
✔ Preventive care (vaccinations, checkups, flea/tick prevention)

🐾 How does reimbursement work?

Once you’ve met your annual deductible, Nationwide reimburses you for eligible vet expenses based on the plan you choose.

  • Example: If your pet’s vet bill is $2,500 and $2,400 is covered, with a $250 deductible at 90% coverage, you’d be reimbursed $1,935.

  • That leaves you with over $3,000 in remaining coverage for the rest of your policy year.

🐾 Can I still use my vet? 

Yes! Nationwide plans work with any licensed veterinarian in the U.S. or worldwide—including specialists and emergency providers.

🐾 How do I choose the best plan?

The right plan depends on your pet’s needs and your budget. Think about:

  • How much medical care is typical for your pet’s breed

  • Whether you want coverage for preventive care

  • What monthly premium feels comfortable for you

🐾 Can I cancel my policy?

Absolutely. You can cancel anytime. Many states even offer a “Free Look Period” where you can get a full refund if you cancel within a certain timeframe and haven’t filed a claim.

🐾 Are there member perks?

Yes! Nationwide members enjoy:

  • Discounts on prescriptions at Walmart and Sam’s Club (PetRxExpress)

  • Special offers on pet products and services

  • 24/7 tele-vet advice and quick mobile claim options

Ready to Protect Your Pet?

At Puffenbarger Insurance, we’ve partnered with Nationwide to make pet coverage affordable.
Our customers get an exclusive 5% discount.

https://partnersolutions.nationwide.com/pet/pinsfs