Pet Insurance for Your Furry Family Members
For many of us, pets are more than just animals—they’re family. Whether you have a curious cat, a playful pup, or even an exotic bird or reptile, their health and well-being matter just as much as any other member of your household. At ISU Armac Insurance Services in Victorville, California, we understand how important your pet is to you, and we’re proud to offer pet insurance solutions that help protect both your heart and your wallet.
Why Consider Pet Insurance?
Pet ownership comes with countless joys—but also unexpected costs. A single emergency vet visit can run anywhere from a few hundred to several thousand dollars. From routine checkups to surgery or treatment for chronic conditions, veterinary expenses can quickly add up. Pet insurance gives you the confidence to say “yes” to treatment options without having to worry about how you’ll afford them.
Pet insurance offers:
- Financial protection against high veterinary bills
- Peace of mind in the face of unexpected emergencies
- Coverage for both accidents and illnesses
- Optional wellness plans to support preventive care
What Does Pet Insurance Typically Cover?
Pet insurance policies vary based on provider, coverage tier, and animal type, but they typically cover:
- Accidents and injuries (e.g., broken bones, lacerations, swallowing foreign objects)
- Illnesses (e.g., infections, cancer, arthritis, digestive issues)
- Emergency care and surgery
- Hospitalization and diagnostics (x-rays, blood tests, MRIs)
- Prescription medications
Optional add-ons or wellness plans may also include:
- Routine exams and vaccinations
- Spay/neuter surgery
- Dental cleanings
- Heartworm prevention and flea/tick treatment
Our agents at ISU Armac Insurance Services can walk you through your options to ensure your policy is customized to your pet’s needs and your budget.
How Does Pet Insurance Work?
Pet insurance functions differently than human health insurance. Most pet insurance policies operate on a reimbursement model:
You pay the veterinarian directly at the time of service.
You submit a claim to your pet insurance provider.
You receive reimbursement for covered services, based on your plan’s deductible, reimbursement rate, and annual maximum.
This approach allows you to use any licensed veterinarian you trust—whether it’s in Victorville or while traveling across the country.
Is Pet Insurance Worth It?
Many pet owners question whether pet insurance is worth the monthly premium. Here’s the truth: it’s all about preparation. You may not need to use your coverage often, but when you do, it can save you thousands of dollars. For example:
- A dog’s ACL surgery can cost $3,000–$5,000
- Cancer treatments may exceed $10,000 over time
- Hospitalization for toxic ingestion can cost over $1,200
Even routine veterinary costs—vaccines, heartworm tests, dental cleanings—can put a dent in your finances. With the right coverage, you can manage these expenses more easily while giving your pet the care they deserve.
Choosing the Right Pet Insurance in Victorville
At ISU Armac Insurance Services, we work with multiple pet insurance providers to give you a range of flexible, affordable options. We’ll help you consider:
- Your pet’s age and breed (some plans exclude hereditary conditions)
- Any pre-existing conditions
- Deductible and reimbursement preferences
- Annual benefit limits
- Wellness add-ons
Whether you’re insuring a new puppy or seeking coverage for an aging cat, we’ll find the plan that suits your needs best. Our team makes it easy to compare rates, benefits, and exclusions so you can make an informed decision.
Who Should Get Pet Insurance?
Pet insurance is a great choice for:
- New pet owners who want peace of mind from day one
- Families with active or accident-prone pets
- Owners of breeds known for health issues
- Anyone on a budget who doesn’t want to risk a massive vet bill
- Pet parents who want help managing wellness costs
Even if your pet is older or has had previous health issues, there may still be plans that provide limited but meaningful coverage. Don’t assume you’re ineligible—talk to our agents and find out what options are available.
Frequently Asked Questions (FAQs)
Take your pet to any licensed vet. Then, file a claim in just two easy steps:
- Pay your veterinarian at the time of treatment.
- Send in your claim form along with your invoice(s).
The claim will be processed and reimbursement will be mailed or electronically deposited faster than a beagle can sniff out a treat! *
*For eligible conditions. Items such as grooming, tax, waste disposal, boarding, or pre-existing conditions are not eligible for coverage. See policy documents for a complete list of exclusions.
Absolutely. You’re free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.
Turn-around time varies, but in most cases, it’s within 30 days. You can track the status of your claim through the member portal at my.petinsurance.com.
Send a claim for reimbursement via mail, email, or the mobile app.
Mail: Nationwide Claims Dept., P.O. Box 2344, Brea, CA 92822-2344
Email: submitmyclaim@petinsurance.com
Mobile App: Download the Nationwide mobile app from the App Store or Google Play on your mobile device.
Track claim status on your Nationwide Pet Account Access page at my.petinsurance.com. Please allow 48 hours from the time you submit your claim for it to appear online.
You can choose coverage for accidents, illnesses, wellness care, or any combination of these. For more detailed information, view coverage details on the pricing screen from the agency website link.
Like all pet insurers, things like taxes, waste, grooming, boarding, and/or pre-existing conditions are not covered. There are plans that cover pretty much everything else. That includes hereditary and congenital conditions, wellness care, exam fees and much more. Find a plan that covers what you’re looking for or check out our “What’s Covered” page on the my.petinsurance.com website.
Our plans have a 14-day waiting period once your application is approved and payment is received.
Plans can vary based on species, state, as well as customers’ pets’ needs. Get a quote using your agency website link, fill out a few questions which will give the premium rate for your pet. Or get a quote by calling a licensed pet representative at 844-397-
8939.
No. Once enrolled, the policy will automatically renew each year.
Veterinary professionals are available 24/7 through vethelpline, a service provided exclusively to Nationwide pet insurance members. You can get live help with any pet health concern, including identifying urgent care needs. The vethelpline phone number is listed on your policy packet or you can download the app.
You can make changes to your policy during your policy renewal period. All changes are subject to underwriting approval. Contact Member Care at 1-800-USA-PETS.
Yes, you can transfer the policy to someone else. Contact Member Care at 1-800-USA-PETS.
Absolutely. You can cancel anytime at my.petinsurance.com or contact Member Care at 1-800-USA-PETS. We even have a 100% money-back guarantee if you cancel within 10 days* of when your policy went into effect and we haven’t reimbursed you for any claims in that time.
* Terms may vary by state.
Yes! If you want coverage for your bird, rabbit, reptile or other exotic pet, you’ll find it only with Nationwide. To enroll in an Avian & Exotic Pet Plan, call 1-844-397-8939 to speak to a Nationwide pet insurance agent and remember to tell them you’re with ISU Armac.
