Introduction
As pet owners, we always want the best for our furry friends. However, sometimes unexpected accidents or illnesses can occur, leading to high veterinary bills and financial stress. This is where pet insurance comes in, providing peace of mind and financial support in case of emergencies.
Nationwide is one of the most popular pet insurance providers in the US, offering a range of coverage options to fit different budgets and needs. In this article, we will explore what Nationwide pet insurance covers, from accidents and illnesses to preventive care and hereditary conditions.
Coverage for Accidents
Accidents can happen at any time, and the cost of emergency veterinary care can quickly add up. Nationwide pet insurance covers a range of accidents, including:
- Car accidents
- Poisoning
- Burns
- Bite wounds
- Swallowing foreign objects
- Broken bones
With Nationwide, pet owners can get up to 90% reimbursement for eligible expenses, including diagnostic tests, surgeries, hospitalization, and medications. However, it\’s important to note that pre-existing conditions are not covered, and some accidents may be subject to a waiting period.
For example, fractures and ligament tears due to accidents are covered after a 14-day waiting period, while coverage for toxic ingestions and foreign body removals begins after a 48-hour waiting period. It\’s essential to read the policy carefully and understand the waiting periods and exclusions to make an informed decision.
Coverage for Illnesses
Illnesses are another common reason for veterinary visits and can be costly to treat. Nationwide pet insurance covers a range of illnesses, including:
- Cancer
- Ear infections
- Skin allergies
- Respiratory infections
- Digestive issues
- Urinary tract infections
Nationwide offers two types of illness coverage: Major Medical and Whole Pet with Wellness. Major Medical covers eligible medical expenses related to illnesses, while Whole Pet with Wellness covers both illnesses and preventive care, such as annual exams, vaccines, and dental cleanings.
Pet owners can customize their coverage options and choose their annual deductible, reimbursement percentage, and coverage limit. Nationwide also offers a 24/7 helpline for pet owners to ask questions and get advice on their pet\’s health.
In the next section, we will explore Nationwide\’s coverage for preventive care and hereditary conditions.
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Coverage for Preventive Care
Preventive care is essential to keep pets healthy and prevent costly medical bills down the line. Nationwide pet insurance offers coverage for a range of preventive care services, including:
- Annual wellness exams
- Vaccinations
- Flea and tick prevention
- Heartworm prevention
- Dental cleanings
- Behavioral training
Pet owners can choose to add the preventive care coverage to their policy, along with their chosen deductible, reimbursement percentage, and coverage limit. The Whole Pet with Wellness plan offers comprehensive coverage for both preventive care and illnesses, making it an excellent option for pet owners who want complete coverage for their furry friends.
Nationwide also offers an app called \”My Pet\’s Wellness\” that allows pet owners to track their pet\’s preventive care needs and set reminders for appointments and medications. This app helps pet owners stay on top of their pet\’s health and ensure they receive the care they need.
Coverage for Hereditary Conditions
Some breeds of pets are prone to hereditary conditions, which can be costly to treat. Nationwide pet insurance covers a range of hereditary conditions, including:
- Hip dysplasia
- Cataracts
- Heart disease
- Epilepsy
- Skin conditions
- Allergies
Pet owners must enroll their pets in the Whole Pet with Wellness plan to receive coverage for hereditary conditions. Nationwide also offers a genetic testing program that allows pet owners to screen their pets for common genetic diseases and receive personalized recommendations for preventive care and treatment.
However, it\’s important to note that pre-existing hereditary conditions are not covered, and there may be a waiting period before coverage begins for new conditions. Pet owners should read the policy carefully and consult with their veterinarian to ensure their pets receive the best possible care.
In conclusion, Nationwide pet insurance offers comprehensive coverage options for accidents, illnesses, preventive care, and hereditary conditions. With customizable plans and up to 90% reimbursement for eligible expenses, pet owners can have peace of mind knowing their pets are covered in case of emergencies. Visit timstonestore.com to learn more about Nationwide pet insurance and protect your furry friend today.
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Coverage for Hereditary Conditions
Hereditary conditions are genetic diseases or defects that are passed down from one generation to another. These conditions can affect a pet\’s health and require ongoing treatment and medical care. Nationwide pet insurance covers some hereditary conditions, including:
- Hip dysplasia
- Heart disease
- Eye disorders
- Liver shunts
- Luxating patellas
- Von Willebrand\’s disease
However, it\’s important to note that hereditary conditions may be subject to waiting periods, and pre-existing conditions are not covered. Pet owners should also check the policy carefully to understand the coverage limits and reimbursement percentages for hereditary conditions.
In some cases, Nationwide may require a pet to undergo a genetic test to confirm the diagnosis before approving coverage. This ensures that the condition is indeed hereditary and not due to other factors.
Limitations and Exclusions
While Nationwide pet insurance covers a wide range of accidents, illnesses, and hereditary conditions, there are also some limitations and exclusions to be aware of. These include:
- Pre-existing conditions: Any condition that existed before the policy\’s effective date is not covered.
- Behavioral issues: Training, therapy, and treatment for behavioral issues are not covered.
- Elective procedures: Cosmetic surgeries, dewclaw removal, and tail docking are not covered.
- Preventable diseases: Diseases that could have been prevented through vaccines or other preventive measures are not covered.
- Breeding and pregnancy: Costs related to breeding, pregnancy, and giving birth are not covered.
It\’s essential to read the policy carefully and understand the limitations and exclusions before purchasing pet insurance. Pet owners can also contact Nationwide\’s customer service team for clarification and further information.
In conclusion, Nationwide pet insurance covers a range of accidents, illnesses, hereditary conditions, and preventive care options. As a pet owner, it\’s important to choose the right coverage options and understand the policy\’s waiting periods, coverage limits, and exclusions. With Nationwide, pet owners can have peace of mind knowing that their furry friends are protected and well-cared for.
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