You work hard to provide your family with everything they need. So, whether your family includes kids with two feet or kids with four paws, two wings or scaly feet—you know what responsibility looks like.
My Pet Protection® from Nationwide® helps you provide your pets with the best care possible by reimbursing you for eligible vet bills. You can get cash back for accidents, illnesses, hereditary conditions and more. We’re also the first and only provider in the U.S. to cover birds and exotic pets. Choose 50% or 70% reimbursement for the level of coverage that fits your needs.*
You’re free to use any vet and your coverage includes benefits for emergency boarding, lost pet advertising and more. Plus, our 24/7 vethelpline® is included as a service to all pet insurance members ($110 value).
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Nationwide pet insurance, formerly Veterinary Pet Insurance, was the first company to recognize the importance of pets as valuable family members and had similar care needs. That’s why it was the first company to introduce pet insurance, in 1982.
My Pet Protection® from Nationwide® offers best-in-show coverage for eligible vet bills, choose 50% or 70% reimbursement for accidents, illnesses and much more.*
How can this help me?
Nationwide believes all pets deserve to live life to the fullest but also understands every family’s situation is different.
My Pet Protection® (choose 50% or 70% reimbursement on eligible vet bills)*
My Pet Protection covers so much, it's easier to tell you what's not covered.
Who is eligible?
Available to all US Associates who are not covered by a collective bargaining agreement.
When can I enroll?
ANYTIME! Most policies have 14-day waiting periods once your application is approved and payment is received.
How much will this coverage cost?
Thanks to your employer’s group rates, you’ll pay less for this coverage than you would for individual coverage you’d find on your own. Click “Get a Quote” and based on the information you provide, you can receive an immediate quote.
If I leave my employer, will I be able to keep my coverage?
You will be notified and asked to update billing information in order to keep the policy active.
Can I use my current veterinarian or do I have to find one in a “network?”
With Nationwide, you have the freedom to use your choice of veterinarian (no pre-approval necessary) worldwide, including specialists and emergency providers.
Once I enroll, how long before my policy is effective?
If an employee enrolls between the 1st – 15th of the month, their effective date of coverage will be the first of the following month. Example: Employee enrolls on 10/14, their effective date is 11/1.
If an employee enrolls between the 16th and the end of month, their effective date of coverage will be the first of the NEXT month. Example: Employee enrolls on 10/18, their effective date is 12/1.
What if my pet currently has an illness?
That’s a pre-existing condition, which 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.
Will you drop a pet from coverage because of age?
Never. As long as you keep your policy continually in force (translation: don’t let it lapse or expire), your pet will not be dropped.
Are medical records required for enrollment?
Not always. Sometimes medical records are needed for clarification to ensure you receive all the benefits available under your plan.
Does my pet insurance policy cover diagnostic testing?
Yes. Diagnostic tests are reimbursed as long as your policy covers the medical condition.
Are anterior cruciate ligament (ACL) injuries covered by my policy?
Nationwide covers ACL injuries that are diagnosed after you’ve had your policy for 12 consecutive months. And unlike many other pet insurers, both knees are covered.
Are prescriptions covered under my policy?
Yes. FDA-approved prescriptions for covered medical conditions are eligible for reimbursement.
How do I file a claim?
File a claim in just two easy steps.
We take it from there. We’ll process your claim and send your reimbursement right away.
How does my veterinarian receive payment?
You pay your veterinarian directly and then submit a claim to Nationwide. Nationwide will adjust your claim and reimburse you according to your plan.
What is vethelpline® and how does it work?
vethelpline® is a service for all our members. Live veterinarians are available 24/7 to answer general pet questions and help identify urgent care needs. A vethelpline® consultation is not a substitute for a visit to your primary vet.
*Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions.
**Discount on base plans only and may vary by state.
Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH, an A.M. Best A+ rated company (2020); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2020). Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. 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. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2021 Nationwide.
Note: These programs are available to Associates of The TJX Companies, Inc. and its subsidiaries (“TJX”) through Mercer Health & Benefits Administration LLC. Mercer Health & Benefits Administration LLC is the administrator of these programs, and any coverage you choose to purchase will be provided by the applicable insurance provider. TJX does not sponsor, maintain, contribute to, or endorse any of these programs, including any program benefit, service or policy, and participation is purely voluntary.