MMC Benefits Handbook
How the Plan Works
Pet insurance, from Nationwide, is made directly available to all eligible employees. Marsh & McLennan Companies' sole function with respect to the program is permitting it to be publicized to employees, collecting premiums through payroll deductions and remitting them to the insurer. Generally, care is covered after you meet your deductible and submit a claim for reimbursement of medical expenses for your pet. You can visit any licensed veterinarian or specialist nationwide, with no limitations. There are two options under the Plan: My Pet Protection with Wellness® and My Pet Protection®.
How does the deductible work?
A low annual deductible of your choice applies to the medical coverage plans. Once you meet your deductible, you will be reimbursed 90% of your vet bill. A $250 annual deductible and $7,500 maximum annual benefit apply to both plans.
What is a pre-existing condition?
A pre-existing condition is any illness or injury your pet had before coverage started. If you have medical records from your veterinarian showing that your pet's condition has been cured for at least six months, you may be able to receive reimbursement.
What are my payment options?
Payroll deductions, monthly and annual payment options are available. For the monthly and annual options, credit cards, debit cards and checks are accepted for payment.
Are medical records required for enrollment?
Not always. Sometimes medical records are requested for clarification so Nationwide can ensure you receive all the benefits available under the plan.
Are prescriptions covered under my policy?
Yes. FDA-approved prescriptions for covered medical conditions are eligible for reimbursement.
Will a pet be dropped from coverage because of age?
No. As long as your pet is enrolled before age 10 and you keep your policy continually in force (it does not lapse or expire), your pet will not be dropped from coverage.
Once I enroll, how long before my policy is effective?
Most policies have a 10-day waiting period once your application is approved and payment is received. For questions, call +1 800 225 2265 and speak with a representative.
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.
Does my pet insurance policy cover diagnostic testing?
Yes. You are reimbursed for diagnostic tests as long as the medical condition is covered by your plan.
Is there a list of veterinarians I have to use?
With Nationwide, you're free to visit any veterinarian, anywhere—even specialists and emergency providers.
Are anterior cruciate ligament (ACL) injuries covered by my policy?
Yes. There is no waiting period for ACL injuries and no limitations unless the ACL injury occurred prior to the policy effective date.
What if I don't know my pet's exact age?
If you do not know your pet's age, take your pet to the veterinarian for a physical exam that includes an age estimate.
How do I file a claim?
Take a copy of your personalized claim form to your next veterinarian visit, have your veterinarian provide your pet's diagnosis and then complete the claim form and submit it along with supporting receipts and invoices to Nationwide at:
Mail:
Nationwide Claims Department
PO Box 2344
Brea, CA 92822-2344
Fax:
(714) 989-5600 (No cover sheet necessary)
VitusVet app:
VitusVet is a third-party mobile app that you can use to submit Nationwide® pet insurance claims via your smartphone. Nationwide has partnered with the company that created the app to bring this convenient service to you. The app is available in the App Store and on Google Play.
To obtain a claim form look for our contact info at: https://www.petinsurance.com/submit-claim.
How long do I have to submit a claim?
You have 180 days from date of service to submit a claim and receive reimbursement.
Marsh & McLennan Companies does not administer this plan. Nationwide's decisions are final and binding.
Can I cancel my policy before the term is up?
Absolutely. You can cancel anytime at my.petinsurance.com or by letting Nationwide know in writing.
Preventive/Wellness Care
Annual examinations are covered only if you purchase the My Pet Protection with Wellness® or the Supplemental and Routine Care Coverage Rider for Birds.
Is there a network of veterinarians that I have to use?
No. Nationwide's coverage allows you to see any licensed veterinarian or specialist nationwide. You are covered whenever you see any of these licensed care-givers.