Pet Insurance

Pet Insurance  


A jump off the couch or an unexpected illness can put a dent in your wallet, even when the patient is your pet. A torn ACL can cost about $3,300 to fix. Cancer treatments can easily run $5,0001. Even a routine vaccination costs an average of $270. So shouldn’t every member of your family have health insurance?


With pet insurance, you’ll have peace of mind knowing you can get help with some of your pet’s medical bills, including treatments, surgeries, lab fees, X-rays, prescriptions and more. Plus you can take advantage of:


  • Choice among two great plans depending on your needs and budget: 
    • Plan 1: My Pet ProtectionSM
    • Plan 2: My Pet Protection with WellnessSM;
  • Choose 90%, 70% or 50%  reimbursement for the level of coverage that fits your needs*;
  • Access to a 24-hour vetHelplineSM (a $150 value) for all policyholders;
  • Freedom to use your own vet for services (no networks);
  • Multiple pet discounts;
  • Insurance protection by one of the nation’s leading pet insurance providers: Nationwide.


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

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 9a-6p ET

How It Works

Our one-page claim form makes filing a claim and getting reimbursed simple. Plus, you can track your claim online through the Nationwide Pet Account Access Page.


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 ProtectionSM plans from Nationwide® offer best-in-show coverage for vet bills, choose 90%, 70% or 50% 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. That’s why it offers you these two options to choose from:


    1: My Pet ProtectionSM (choose 90%, 70% or 50% reimbursement on vet bills)*

    • Accidents and illnesses
    • Hereditary and congenital conditions
    • Cancer
    • Dental diseases
    • Behavioral treatments
    • Rx therapeutic diets and supplements
    • A low $250 deductible.
    • Maximum annual benefit $7,500


    2: My Pet ProtectionSM with Wellness (choose 90%, 70% or 50% reimbursement on vet bills)*

    • Accidents and illnesses
    • Hereditary and congenital conditions
    • Cancer
    • Dental diseases
    • Behavioral treatments
    • Rx therapeutic diets and supplements
    • Wellness exams
    • Vaccinations
    • Flea prevention
    • Spay or neuter
    • A low $250 deductible.
    • Maximum annual benefit of $7,500
    • Also covers procedures and services including surgeries, Rx medications, testing and hospitalization.


    My Pet Protection covers so much, it's easier to tell you what's not covered.

  • Who is eligible?

    Everyone is eligible to receive preferred pricing on America’s #1 pet insurance!

  • 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?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions.

  • 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.

    • Flexibility: Nationwide’s plans are licensed in all 50 states.
    • Savings: Receive discounts when enrolling multiple pets - up to 10%.
    • Extras: Through vetHelplineSM, you receive live veterinarian guidance 24/7 about your pet’s health, from general questions to identifying urgent care needs. In addition, you enjoy discounts on pet products and services, a newsletter, online support and more.
  • Once I enroll, how long before my policy is effective?

    Most policies have 14-day waiting periods once your application is approved and payment is received.

  • 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.

  • What if I don’t know my pet’s exact age?

    No problem. You don’t need the age of your pet to get a policy and it’s the same price for all ages.

  • 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.

    1. Pay your veterinarian at the time of treatment.
    2. Submit your claim via fax, email or your Nationwide Pet Account Access page at

    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 VetHelplineSM and how does it work?

    vetHelplineSM 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 vetHelplineSM 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.


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. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH, an A.M. Best A+ rated company (2019); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2019). Agency of Record: DVM Insurance Agency. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2020 Nationwide.



Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.