MMC Benefits Handbook
How the Plan Works
Pet insurance, from Nationwide, is made directly available to all eligible employees. Marsh McLennan's 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, eligible veterinary expenses are covered after you meet your annual deductible and submit a claim for reimbursement for your pet. You can visit any licensed veterinarian or specialist nationwide, with no limitations.
How does the deductible work?
A $250 annual deductible applies to the medical coverage. Once you meet your deductible, you will be reimbursed up to 70% of your eligible vet bill1. A $7,500 maximum annual benefit applies to both plans.
1 Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions. Reimbursement options may not be available in all states.
What is a pre-existing condition?
A pre-existing condition means any condition that began or was contracted, manifested or incurred up to twelve (12) months before the effective date of this policy or during any waiting period, whether or not the condition was discovered, diagnosed or treated. A chronic condition is a pre-existing condition unless it began after the effective date of this policy.
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 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?
Applications for enrollment that are received between the 1st and 15th of the month will be effective on the first day of the next month. Applications for enrollment that are received between the 16th and the last day of the month will be effective on the first day of the following month. 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 licensed 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:
Nationwide Claims Department
PO Box 2344
Brea, CA 92822-2344
(714) 989-5600 (No cover sheet necessary)
Nationwide Pet Account Access Page at
To obtain a claim form, visit
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 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 or by letting Nationwide know in writing.
Is there a network of veterinarians that I have to use?
No. Nationwide's coverage allows you to see any licensed veterinarian or specialist in the world. You are covered whenever you see any of these licensed caregivers.