If you’re searching for a pet insurance plan, one option to consider is My Pet Protection Nationwide. This company sells policies for dozens of different species, including parrots, rabbits, potbellied pigs, and more. Nationwide has two different plans, one that reimburses the cost of veterinary bills in the event of an accident, and the other focuses on wellness. Both plans are similar, but there are key differences.
Pre-Existing Conditions – My Pet Protection Nationwide
When you enroll your pet in a pet health insurance policy. Then offer you coverage for certain expenses. But not for pre-existing conditions. Pre-existing conditions are defined as any health problems or illnesses your pet has had in the past. Examples include a previous diagnosis of diabetes. However, diabetes is covered in the basic policy. Insulin treatment can be reimbursed only if you are diagnosed with the disease after enrolling in the policy.
Some health problems may not show up during the early stages of your pet’s life. This is because the symptoms may not manifest until months or years later. Therefore, it is best to wait until your pet starts showing symptoms before purchasing a pet insurance plan. If your pet has a persistent condition like arthritis, you may be out of luck because insurance coverage doesn’t cover it.
Some pet insurance providers do cover pre-existing conditions, but you must pay for the treatment before your insurance kicks in. Some alternatives to pet insurance include charitable grant programs that may help you pay for your pet’s pre-existing condition. In addition to these alternatives, you can also purchase a dog insurance policy that covers unrelated illnesses and injuries. Some companies even offer coverage for “curable” conditions.
It is vital to research different pet insurance providers. The American Veterinary Medical Association and AKC recommend comparing pet insurance providers before deciding on one. Most insurance companies do not cover pre-existing conditions, hereditary or congenital ailments. AKC Pet Insurance, for example, does not distinguish between incurable and curable conditions. So this policy covers the most common pre-existing conditions of any major provider.
ASPCA’s Complete Coverage plan is similar to Nationwide’s Whole Pet plan
The ASPCA offers two plans that are comparable in price and coverage, the Routine and Platinum preventive care plans. Both are designed to provide peace of mind in the event of an emergency. Flexible enough to allow you to make changes at renewal time. Regardless of which plan you choose, make sure to factor in your pet’s age, breed, size, and geographic location when calculating the price of your coverage.
Both plans cover preventative care and wellness services. They also cover dental problems, hereditary conditions, cancer, digestive issues, and infectious diseases. Both plans have a 24-hour vet helpline and dental coverage – something, not many other pet insurance providers offer. The ASPCA’s full coverage plan, such as the Nationwide Full Pet Plan, has a $250 annual deductible and a defined list of benefits per condition. Both plans have a waiting period of 14 days, but they both cover routine care and procedures, including dental care.
While ASPCA’s plan covers more expenses than Nationwide’s, there are some important differences between the two. For instance, the ASPCA plan covers hereditary and congenital conditions, and Nationwide’s plan covers accident and illness expenses. Both policies also cover preventive care such as dental cleanings, dewormings, and wellness exams. The ASPCA’s plan also allows you to opt for wellness coverage, while Nationwide’s plan does not. Moreover, you can get an accident-only plan, which is less expensive than the whole accident and injury policy.
Preexisting conditions are a significant drawback of most pet protection plans nationwide. Unless your pet has a severe medical condition, insurance plans will not cover it. However, if your pet is in good health and is free from any chronic diseases, you can insure them for future conditions. Moreover, you can even opt for additional coverage for veterinary exam fees.
Choice of wellness add-ons – My Pet Protection Nationwide
The Choice of Wellness Add-ons with My Pet Protection Nationwide provides coverage for your dog’s annual check-up, vaccinations, and dental care. There are a few exceptions to this coverage. These include previously diagnosed conditions, anal gland expression, breeding, elective procedures, and boarding fees. For dogs, this plan includes a Preventative Essentials Pack, which covers a couple of vaccinations, one heartworm test, and worming. The Preventative Essentials Pack also provides a free annual check-up exam and preventative worming for dogs and cats.
Cost
If you’re concerned about the cost of caring for your pet, you may want to take a look at Nationwide’s supplemental pet insurance plan. At $99/year, this plan covers everything from wellness visits to routine care. This plan is especially beneficial if you have an exotic pet, like a goat or a pot-bellied pig. You can also opt for extra-large coverage for animals like snakes and pot-bellied pigs.
The cost of a Nationwide policy is generally higher than the average for pet insurance policies. This is likely due to the reimbursement structure, which caps the maximum amount of coverage for various treatments. In addition, the reimbursement amount is not based on the percentage of expenses covered by the plan. Regardless of whether you choose a plan with Nationwide, you should be aware that the company’s policies are subject to change without notice.
While there are several different deductible levels, you can usually choose one with a low deductible. However, if you choose a lower deductible, you may end up paying higher monthly premiums. Lastly, Nationwide makes it difficult to find information on its website. Sample policies and policy details are difficult to download. Because it only posts PDF. It’s hard to compare plans without knowing what you’re getting into.
Waiting period
Buy your pet health insurance before the end of December, your coverage will be effective from January 2. Buy after the end of the year, your policy will be effective from January 3. If you buy your pet health insurance later, you’ll get coverage for health problems that occur during the waiting period. In some cases, insurers may waive or reduce the waiting period if your veterinarian indicates that your pet does not have a pre-existing condition.
Most pet insurance policies have a waiting period. This is because they are designed to help you pay before incurring costs. The waiting period may vary between different companies. Top-tier companies typically have a waiting period of no more than 15 days. You can shop around to find a policy with a shorter waiting period. For example, Embrace insurance policies have a 14-day waiting period for accidents and illnesses. And all dogs have an orthopedic condition waiting period of six months. Fortunately, you can reduce this to 14 days.
Waiting periods for Nationwide pet insurance vary. The waiting period is 14 days for the wellness and medical parts of the plan and a two-week waiting period for the Major Medical plan. If you purchase a whole pet plan your coverage starts 24 hours after your payment is processed. If you buy a nationwide pet health insurance policy without a wellness plan. Then coverage will start 24 hours after receipt of payment. The only exception to this policy’s 14-day waiting period is when a pet has been diagnosed with a cruciate ligament.
