Pet Insurance
Nationwide Mutual Insurance Company
A voluntary pet insurance plan available through workplace benefit programs offering two ready-made plans (Accident & Illness; Accident, Illness & Wellness) plus a fully customizable option. Plans reimburse eligible veterinary expenses at 80% (or 50-80% for customizable) after the deductible, with no network restrictions and guaranteed issuance for enrolling pets.
Call Nationwide at 1-877-738-7874 to speak with a pet insurance expert if you have any questions or visit benefits.petinsurance.com/jps.
Don’t forget to mention you are a JPS Health Network team member when calling in!
My Pet Protection Choice — Plan Comparison
| Benefit / Feature | Accident & Illness | Accident, Illness & Wellness | Customizable |
|---|---|---|---|
| Plan Overview | |||
| Annual Deductible Options | $250 | $250 | $100 to $500 |
| Reimbursement Level | 80% | 80% | 50%, 70%, or 80% |
| Accident Coverage | |||
|
Included All plans require accident coverage |
Yes | Yes | Yes |
| Annual Maximum | $5,000 | $5,000 | $2,500 or $5,000 |
| Covered Conditions | Broken bones, animal attack, hit by car, poisoning, heatstroke, and more | Broken bones, animal attack, hit by car, poisoning, heatstroke, and more | Broken bones, animal attack, hit by car, poisoning, heatstroke, and more |
| Illness Coverage | |||
| Included | Yes | Yes | Optional |
| Annual Maximum | $5,000 | $5,000 | $2,500 or $5,000 |
| Covered Conditions | Ear infections, diabetes, vomiting, allergies, cancer, and more | Ear infections, diabetes, vomiting, allergies, cancer, and more | Ear infections, diabetes, vomiting, allergies, cancer, and more |
| Hereditary & Congenital Coverage | |||
| Included | Yes | Yes | Optional when purchased with illness coverage |
| Annual Maximum | $5,000 | $5,000 | $2,500 or $5,000 |
| Covered Conditions | Hip dysplasia, cherry eye, elbow dysplasia, umbilical hernia, brachycephalic syndrome, and more | Hip dysplasia, cherry eye, elbow dysplasia, umbilical hernia, brachycephalic syndrome, and more | Hip dysplasia, cherry eye, elbow dysplasia, umbilical hernia, brachycephalic syndrome, and more |
| Wellness Coverage (Dogs & Cats) | |||
| Included | Not included | Yes | Optional |
| Annual Maximum | Not included | $450 | $450 or $800 |
| Vaccination or titer, fecal test, deworming, microchip, health certificate, heartworm or FeLV/FIV test, flea control or heartworm prevention, and more | Not included | Yes | Yes |
|
Spay/neuter or dental and one additional test Coverage for spay/neuter or dental starts 90 days after the original policy term effective date; one additional test: health screen (blood test), radiograph (X-ray), or electrocardiogram (EKG) |
Not included | Not included | Yes |
- ✓Emergency boarding and kenneling fees covered on all plans
- ✓Lost pet due to theft or straying covered on all plans
- ✓Lost pet advertising and reward covered on all plans
- ✓Mortality benefit included on all plans
- ✓Guaranteed issuance — any new pet is eligible for enrollment regardless of health status
- ✓Visit any vet, anywhere — no network restrictions
- ✓Submit a claim from any device
- ✓Get reimbursed for eligible expenses once the deductible is met
- ✓Optional coverage for behavior, prescription food, and prescription supplements may also be available
- ✓Optional cruciate coverage may be added after the first year of coverage (not available in all states)
- ✓Nationwide is the industry's first provider of coverage for birds and exotic pets
- ⚠Pre-existing conditions are not covered
- ⚠Guaranteed issuance does not mean guaranteed coverage — certain exclusions could apply
- ⚠Plans may not be available in all states
- ⚠Wellness coverage available for dogs and cats only
- ⚠Cruciate coverage not available in all states
- ⚠Spay/neuter or dental wellness benefit starts 90 days after policy effective date
- 👤Team Members with dogs, cats, birds, or exotic pets
- 👤Pet owners wanting flexible deductible and reimbursement options
- 👤Team Members seeking proactive wellness coverage for routine vet visits
- 👤Pet owners wanting coverage for hereditary and congenital conditions
All plans require accident coverage; additional coverage for illness, hereditary & congenital, and wellness is optional. Optional coverage for behavior, prescription food and prescription supplements may also be available. Optional cruciate coverage may be added after the first year of coverage; not available in all states. Pre-existing conditions are not covered. Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary.
Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. 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, Nationwide is on your side, and My Pet Protection are service marks of Nationwide Mutual Insurance Company. ©2025 Nationwide. 24GRP10277A.
Nationwide
1-877-738-7874
benefits.petinsurance.com/jps