Pet Insurance
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The ROA Insurance Program has teamed up with Mercer Health & Benefits Administration LLC and Nationwide to bring you health insurance coverage for your pets. A pet insurance policy from Nationwide helps pay for your pet's treatments, surgeries, lab fees, X-rays, and much more. You'll have peace of mind knowing you can care for your pet no matter the cost.

  • Freedom: You’re free to use your choice of veterinarian (no pre-approval necessary) - worldwide including specialists and emergency providers.
  • Flexibility: Policies are portable.
  • Savings: Enroll now and receive your special member discount.
  • Extras: Through our vetHelplinesm, policyholders receive live veterinarian guidance 24/7 about their pet’s health, from general questions to identifying urgent care needs. In addition, policyholders enjoy discounts on pet products and services, a newsletter, online support and more.

Pet Insurance from Nationwide – Plan Options

We think all pets deserve to live life to the fullest. That’s why we’re there for the big stuff, the small stuff, and all the stuff in between. Nationwide is now offering an expanded suite of affordable and fresh, new innovative products. Here they are:

Whole Pet with Wellness (starting at $61/month2) covers:

  • Accidents, including poisonings, cuts and broken bones
  • Common illnesses, including ear infections, rashes, vomiting and diarrhea
  • Serious/chronic illnesses3 including cancer diabetes and allergies
  • Hereditary conditions4
  • Procedures/services, including surgeries, prescriptions and hospitalization
  • Basic wellness services, including exams, vaccinations and flea/heartworm preventatives
  • Additional wellness services, including spay/neuter and dental cleaning
  • Prescribed therapeutic treatments, including diets and supplements
  • Reimburses 90% of vet bill5
  • $250 annual deductible
  • Use any vet

Major Medicalsm – Set benefits for accidents, illnesses & hereditary conditions (starting at $33/month2) covers:

  • Accidents, including poisonings, cuts and broken bones
  • Common illnesses, including ear infections, rashes, vomiting and diarrhea
  • Serious/chronic illnesses3 including cancer diabetes and allergies
  • Hereditary conditions4
  • Procedures/services, including surgeries, prescriptions and hospitalization
  • $250 annual deductible
  • Use any vet

Pet Wellnesssm – Coverage for shots, flea control & more (starting at $16/month6) covers:

  • Basic wellness services, including exams, vaccinations and flea/heartworm preventatives
  • $0 deductible
  • Use any vet

How does pet insurance from Nationwide work?

  • Visit any veterinarian, worldwide
  • Send us your claim
  • We’ll send you a check

12013 Veterinary AAU. 2Premiums vary based on the age of the pet, species, size (as an adult), plan type and state of residence. 3New illnesses only. Does not include pre-existing conditions. 4Hereditary condition coverage begins after the first year and includes only specified conditions. 5Items such as grooming, tax, waste disposal, boarding, or pre-existing conditions are not eligible for coverage. See policy documents for a complete list of exclusions. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A rated company (2013); National Casualty Company (all other states), Madison, WI, an A.M. Best A+ rated company (2014). Nationwide, the Nationwide N and Eagle, and Nationwide Is On Your Side are service marks of Nationwide Mutual Insurance Company. ©2016 Nationwide.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

The Whole Pet with Wellness and Major Medical plans have a 14-day waiting period once your application is approved and we receive payment. Pet Wellness plan coverage begins 24 hours after your policy has been issued and we’ve received payment. If you're enrolling as part of a group or organization, effective dates vary.

A pre-existing condition is any illness or injury your pet had before coverage started. While no pet insurer covers pre-existing conditions, the good news is that Nationwide doesn’t permanently exclude all such conditions. If you have medical records from your vet showing that your pet’s condition has been cured for at least six months, you may be able to get it covered.
Yes, you can cancel any time by notifying us in writing. If we receive your written cancellation request within 10 days of the date your policy first became effective, we’ll refund your premium. (California residents: We’ll refund your premium if we receive your written cancellation request within 30 days of the date your policy first became effective).
Never. As long as your pet is enrolled before age 10 and you keep your policy continually in force (translation: don’t let it lapse or expire), we promise not to drop your pet.
Not always. Sometimes we request medical records for clarification so we can ensure you receive all the benefits available under your plan.
We offer monthly and annual payment options and accept credit cards, debit cards and checks. We also accept payment by payroll deduction; ask your employer’s benefits administrator to see if this option is available.
Yes. We reimburse for diagnostic tests as long as the medical condition is covered by your policy.
We cover ACL injuries that are diagnosed after you’ve had your policy for 12 consecutive months. And unlike many other pet insurers, we cover both knees.
No problem. Just take your pet to the veterinarian for a physical exam that includes an age estimate.
Yes. FDA-approved prescriptions for covered medical conditions are eligible for reimbursement if you purchase a Whole Pet with Wellness policy or a Pet Wellness policy.
A low annual deductible of $250 applies to our medical coverage plans (Whole Pet with Wellness and Major Medical)., There is no deductible for wellness coverage plans.
Nationwide, you’re free to visit any veterinarian, anywhere—even specialists and emergency providers.
It’s easy. Pay your veterinarian directly and then send us your claim form along with your itemized receipt. You can fax your claim to 714-989-5600 or mail it to Nationwide Claims Department, P.O. Box 2344, Brea, CA 92822-2344.
Visit Nationwide’s What’s Covered page to see an interactive list of the top 50 most common conditions for dogs and cats, or download their comprehensive Benefit Schedule.
You pay your veterinarian directly and then submit a claim to us. We’ll adjust your claim and reimburse you according to your plan.
Vet Helpline is a free service ($150 value) for all our members. Live veterinarians are available 24/7 to answer general pet questions and help identify urgent care needs. A Vet Helpline consultation is not a substitute for a visit to your primary vet.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

Claim Form

Pet Insurance Buyer's Guide



Download Adobe Acrobat Reader

We're here to help! Please contact us in whatever manner is most convenient for you.

Mailing Address:

Nationwide
P.O. Box 2344
Brea, CA 92822-2344
Phone: 877-738-7874
Hours: 8:15 a.m. to 5:00 p.m. Central, M-F

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