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Pet

If your pet becomes sick or hurt, you may not have enough saved to cover the expense.
Insurance coverage for your pets

As a University of Kentucky employee, you have access to pet insurance from Nationwide. Call 1 800 GET-MET8

Why is having pet insurance from Nationwide so important

Pets are unpredictable. While it’s hard to anticipate accidents and illnesses, pet insurance makes it a little easier to be prepared for them. From wellness care to significant incidents, it’s the smart way to protect your pet’s health and your pocketbook. 

Pet insurance provides benefits for veterinary treatments related to accidents and illnesses, including cancer. Medical policies cover diagnostic tests, X-rays, prescriptions, surgeries, hospitalization and more. Competitively priced wellness coverage can be added to any plan. 

  • Use any veterinarian worldwide, including specialists and emergency providers
  • Benefits that renew in full each year
  • Nation’s oldest and largest pet insurer
  • No additional charge for chronic care coverage
  • No lifetime limits

Pet Insurance

How can having pet insurance benefit you and your pet?

It offers nose-to-tail coverage for everything from ear infections to cancer. Plans are designed to fit your needs and your budget.

You may choose between two plans:
My Pet Protection: Typical cost starts at $40/month.1

  • Highest reimbursement for accidents and illnesses, including cancer and diabetes
  • Simple 90% reimbursement2 of your vet bill
  • $250 annual deductible and $7,500 maximum annual benefit
  • Coverage for hereditary and congenital conditions

My Pet Protection with Wellness: Typical cost starts at $66/month.1

  • Wellness includes spay/neuter, dental cleaning and more!2

Examples of Covered Conditions:

  • Ear Infections
  • Respiratory Problems
  • Diabetes
  • Skin rashes
  • Kidney & bladder infections
  • Abscesses
  • Leukemia
  • Cancer
  • Vomiting
  • Accidents (including poisionings and allegric reactions
  • And More
Pet Insurance FAQs
Can I still use my vet? Collapsed Expanded

Absolutely. You are free to visit any licensed veterinarian, anywhere in the world — even specialists and emergency providers.

What do the plans cover? Collapsed Expanded

Our plans provide nose-to-tail coverage for a wide range of accidents, injuries and illnesses.

You can even add routine care coverage to any plan.

Added bonus: we cover new chronic and recurring conditions at no additional cost.

What’s not covered? Collapsed Expanded

Unfortunately, there are some things we can’t cover. These include elective procedures, congenital conditions, pet foods, grooming, behavioral problems and pre-existing conditions. 

Does Nationwide® pet insurance work like an HMO? Collapsed Expanded

Nope. We leave all medical decisions solely up to you and your veterinarian, so you’re free to choose whatever treatment you feel is best for your pet. Plus, you can visit any licensed veterinarian worldwide — even specialist and emergency providers. Simply pay your veterinarian at the time of service and submit the invoice for reimbursement. There are no pre-authorizations or hoops to jump through.

How does the benefit schedule work? Collapsed Expanded

Each plan has a benefit schedule that shows exactly what’s covered, with no guesswork involved. When you submit a claim, we reimburse you according to your plan’s benefit allowance once you’ve met your deductible. It’s as easy as that.

Here’s the best part: All benefit allowances renew in full each year — no matter how many claims you’ve filed.

Will you drop a pet from coverage because of age? Collapsed Expanded

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. After all, we’re pet lovers, too.

Will my premium increase when I file my claim? Collapsed Expanded

No. We don’t think it’s fair to penalize you if your pet gets sick or hurt. So go ahead and get your pet the care that he needs, as often as he needs it — it won’t affect your premium.