Pet Insurance FAQs
- How much does pet insurance cost?
The cost of pet coverage will be determined by the type of pet, the breed and the age of your pet. Younger pets will be more economical to cover than older pets. To obtain a quote, simply answer the questions posed for each pet and select the type of coverage you desire. The site will provide cost quotes for the different levels of coverage offered.
- What payment options are available?
Pet insurance payments can be made by credit card or electronic transaction. You can pay your premiums for the full year, or you can pay monthly. If you choose to pay monthly, the first two monthly payments are due upfront, and then you will have 10 remaining payments for the year.
- Is there a plan deductible?
Yes. Nationwide pet insurance deductible is $250. When you submit a claim, Nationwide will reimburse you according to your plan’s benefit allowance, after you’ve met your annual deductible.
- Are prescriptions covered under my policy?
Yes. FDA prescriptions for covered medical conditions are eligible for coverage.
- What are pre-existing conditions? And, do they get excluded year over year?
A pre-existing condition is an injury or illness that was contracted, manifested or incurred on or before the effective date of your pet’s policy. For example, if at enrollment, an applicant states, “I would like to enroll my four-year-old cat. He has a history of feline lower urinary tract disease.” The cat would be enrolled, but the urinary tract disease would be pre-existing and, therefore, would not be covered under the policy.
If a policy is continuously in force, the only pre-existing conditions that would come into play are those conditions that existed prior to the policy’s effective date. No year over year exclusions apply.
- How does my veterinarian receive payment?
You pay your veterinarian directly. Nationwide will adjust your claim and provide reimbursement to you based on your plan's benefit schedule.
- How does the Nationwide benefit schedule work?
Each plan has a benefit schedule that shows exactly what’s covered, with no guesswork involved. When you submit a claim, Nationwide will reimburse you according to your plan’s benefit allowance, once you’ve met your deductible.
- Are medical history records required for enrollment?
Not ordinarily, but sometimes Nationwide requests medical records to clarify information.
- Once I enroll, how long before my pet’s policy is effective?
There is a 14-day waiting period after the policy is approved.
- Can I cancel my policy before the term is up?
Absolutely, just let Nationwide know in writing, and Nationwide will cancel your policy at any time. Nationwide offers a 100 percent money-back guarantee if you cancel within 10 days of when your policy goes into effect. If you decide to cancel later, Nationwide will refund your unused premium.
- Is there a list of veterinarians?
You have the freedom to choose any veterinarian worldwide, including specialists or emergency providers.
- What happens to my pet’s coverage if I leave Purdue University?
You can keep coverage for your pet(s) upon separation of employment with Purdue University.
- Does my Nationwide policy cover diagnostic testing?
Yes, when the medical condition is covered by the policy.
- When can I enroll my pet for coverage?
You can enroll at any time.
- Will I receive any documentation after I enroll?
Nationwide will send a policy packet with insurance cards, claim forms and pet ID tags.
- Who is eligible?
All Purdue faculty and staff (full-time, part-time and temporary/limited term) and their dependents, as well as Purdue retirees, students and alumni may enroll their pets for coverage.
Your pet must be younger than age 10 when you enroll the pet for coverage. As long as you enroll your pet before age 10 and keep your policy continuously in force, your pet will be covered regardless of age.
- How do I file a claim?
- Take a copy of your personalized claim form to your next veterinarian visit.
- Have your veterinarian provide your pet’s diagnosis.
- Complete the claim form and submit it along with all supporting receipts and invoices.
- Make copies of the completed form and itemized veterinary bill for your records.
Get a claim form.
Submit your completed claim forms and itemized receipts or invoices in one of two ways:
1. Fax to 714-989-5600
2. Mail to Nationwide Claims Department, P.O. Box 2344, Brea, CA, 92822-2344
If additional information is required to review a claim, Nationwide will send you a letter listing the medical record dates, laboratory reports or any specific medical history needed. As your pet’s owner, you have the authority to request this information from your veterinarian.
- Will my premium increase?
- Does Nationwide have a secured website?
Yes. Data is encrypted using 128 SSL between the client and server. Data between the application server and database is encrypted using RC4 56-bit.
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