Pet Insurance

Pet Insurance  


Pet insurance makes it more affordable to provide your pets with the care they deserve. You can be reimbursed for eligible veterinary expenses, from emergencies to routine office visits. With over four decades of experience, we know what we’d want covered for our own pets—so we made sure we covered it for yours.


Nationwide pet insurance members enjoy perks and extras like:

  • Convenient mobile claims and online account management
  • Reimbursement deposited directly to your bank account
  • 24/7 on-demand vet advice from vethelpline®
  • Pet prescription savings with Nationwide® PetRxExpressSM
  • Special offers and discounts on pet products through our Member Perks program
  • Multiple-pet discounts available


Our fast and easy enrollment process means you can start protecting your pet sooner.

Contact Us

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

Association Member Benefits Advisors
4050 NW 114th Street
Urbandale, Iowa 50322
 M-F 8:15a-5p CT
[email protected]

How it Works


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

  • What plan options are available?

    • Comprehensive nose-to-tail coverage.
    • 90% reimbursement for each vet bill.
    • Covers exams, lab tests, X-rays, prescriptions, surgeries & hospitalization, chronic conditions and hereditary conditions (no waiting period).
    • Includes wellness benefits.
    • $250 annual deductible.


    • Features set benefits for accidents, illnesses, and hereditary conditions (waiting period applies).
    • Covers exams, lab tests, X-rays, prescriptions, surgeries & hospitalization, and chronic conditions.
    • $250 annual deductible.


    • Features coverage for your pet’s yearly essential needs.
    • Covers health exams, vaccinations, flea/heartworm prevention and more.
    • No deductible.


    Visit Nationwide’s What’s Covered page to learn more about your options.

  • How does the plan work?

    The plan reimburses you for covered veterinary services, supplies and needs (once a deductible is met if applicable). And it’s easy to get reimbursed. When you have a claim, simply visit: to submit your form.
  • What are the discounts for multiple pets?

    You’ll receive the following discounts when you enroll multiple pets:

    • 1 pet = 5% discount on base medical or wellness plan
    • 2–3 pets = 10% discount on base medical or wellness plan for each pet
    • 4+ pets = 15% discount on base medical or wellness plan for each pet
  • What is Vet Helpline and how does it work?

    Vet Helpline is a service for all our members. Expert 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.
  • How do I file a claim?

    It’s easy. Pay your veterinarian directly and then send Nationwide your vet bill and claim form by mail, email, or snap a picture with the VitusVet mobile app. If sending by mail, send to Nationwide Claims Department, P.O. Box 2344, Brea, CA 92822-2344. You can also submit your claim electronically by visiting your Nationwide Pet Account Access Page and track your claim online anytime.
  • What is covered under my policy?

    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.

AMBA's Role & Compensation