Comparing Pet Insurance Options: Nationwide vs MetLife
There are a lot of pet insurance providers on the market, but the only group rate plans SDPEBA members have access to are Nationwide and MetLife.
The plans are relatively similar in how they operate. Once you’re enrolled and you’ve gone to the vet, all you need to do is submit an itemized bill to either MetLife or Nationwide. After your claim is processed, you’ll receive a payout based on the coverage you elect when signing up for the plan. Both plans also offer discounts if you bundle multiple pets into one “family” plan and offer the most coverage for dogs and cats.
Their differences are somewhat complicated, but to put it plainly: MetLife is very customizable and offers wider coverage options, whereas Nationwide is more restrictive. MetLife also differs by honoring coverage for preexisting conditions if you’re swapping from a different pet insurance provider that covered those conditions.
MetLife offers reimbursement plans ranging from 50% to 90%, has a preventative care add-on, and allows you to select a deductible. Nationwide plans cover 50% or 70% of your bill and always have a $250 deductible. As of writing this, Nationwide is the only plan we offer that covers exotic pets, however you’ll need to call to get a quote for these plans.
If you have questions about these plans or want to learn more, click the links below to be taken to that plan’s page. We highly recommend you get a quote from each page before making your selection. If you can’t find the answer to your questions, you can always email us at [email protected]!