Understanding Pet Insurance: Coverage, Costs, and Perks

September 29, 2025 · 3 minute minute read

Blog Understanding Pet Insurance: Coverage, Costs, and Perks

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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