About
Petco offers pet insurance through Nationwide with the ability to customize a plan. Nationwide's coverage gives peace of mind to cat, dog, and exotic pet parents. Petco provides flexibility and convenience. Enrolling through Petco also offers perks, like savings on veterinary services at Petco. See if enrolling in Nationwide Pet Insurance through Petco is right for you.
Coverage Offered by Petco
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|---|---|
Price: |
Get a Free Quote |
Deductible: |
$250, $500, or $1,000 |
Reimbursement: |
50%, 70%, or 80% |
Annual Limit: |
Accidents: Up to $5,000, Illnesses: Up to $10,000 |
Accident Waiting Period: |
14 days |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
1 day |
Orthopedic Waiting Period: |
12 months |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Optional |
Direct Vet Pay: |
No |
Claims Expiration: |
Within 365 days of the date of treatment* |
Claims Submission App: |
No |
Petco Pet Insurance Coverage
Petco offers Nationwide's accident and illness coverage at a set unlimited annual limit. To customize your plan's price, you can configure your reimbursement rate and deductible. While wellness coverage isn't included in the base plan, you can add it on if you'd like.
Deductible Options
$250, $500, or $1,000
Reimbursement Options
50%, 70%, or 80%
Annual Limit Options
$5,000 maximum for accidents, $10,000 maximum for illnesses
What’s Covered
Accidents
Alternative
Treatment
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
Optional Wellness Coverage Add-On
Nationwide offers two levels of optional wellness coverage. If you add this type of coverage to your plan, it can help you save on routine and preventative care. Here’s what each level includes.
Level 1
Physical Exam (2 exams per term)
Vaccination or Titer
Heartworm or FeLV/FIV test
Fecal test
Deworming
Microchip
Health certificate
Flea control OR Heartworm prevention
Level 2
This level covers everything listed in Level 1 plus:
1 additional test
Health screen (blood test), Radiograph (x-rays), or Electrocardiogram (EKG)
Spay/neuter/dental**
Policy Exclusions
Nationwide's policy exclusions include, but are not limited to:
Veterinary Services and Expenses
Pet Care Items and Services
Financial and Membership Exclusions
Specific Health Conditions
Coverage-Specific Exclusions
Age-Related Exclusions
Check your policy through Petco or visit Nationwide's site for more details.
Requirements of Policy Holders
The youngest your pet can be when enrolling in Nationwide through Petco is 8 weeks old. The oldest age your pet can be at enrollment is 20 years old. Depending on the plan you select and the age of your pet, a physical exam may be required for your pet within the prior 6-12 months.
Claims
With Petco Pet Insurance, you can file a claim through Nationwide's online portal, fax, mail, or email with invoice(s).
Direct deposit option for receiving reimbursements
Trackable claim status using the online portal
Customer Support
Pet insurance plans with Petco are offered through Nationwide. Below you can find Nationwide's customer service information.
Nationwide Customer Service Hours
Monday - Friday: 5 am - 7 pm PT
Saturday: 7 am - 3:30 pm PT
Nationwide Contact Information
Phone: 844-244-3649
Email: Submit a form
Nationwide Veterinary Professionals
Monday - Friday: 6 am - 5 pm PT
Phone: 866-VET-4874
How to Cancel Petco Pet Insurance
To cancel a Petco Pet Insurance policy, you can contact the Nationwide Pet Insurance customer service team via phone or form submission.
Does Petco Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy.
Compare
Compare Petco Against Other Pet Insurance Companies
We're working to bring you a comprehensive list of Petco compared to other pet insurance providers. Please check back again. In the meantime, you can compare pet insurance companies from our existing list. Or, get a free quote for more personalized recommendations. Since Petco offers insurance through Nationwide, you can browse our Nationwide comparison articles.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our Petco Pet Insurance Review
Enrolling in Nationwide through Petco might be a convenient option for Petco loyalists. It's backed by an established insurer, offering comprehensive accident and illness protection. Plus, you can add wellness coverage to your plan for more coverage. Signing up with Petco also gives pet parents added savings on Petco's veterinary care. Nationwide's plans aren't only for cats and dogs either. If you have an exotic pet, like a bird or reptile, they could be eligible for coverage too.
