Smith Insurance & Investments now offers Nationwide® Pet Insurance to help Tennessee pet owners protect their furry, feathered, or scaly family members against unexpected veterinary costs. Through our partnership, you get flexible plans covering accidents, illnesses, and routine care usable at any licensed veterinarian without network restrictions. Read on to learn about coverage options, plan benefits, and why Smith Insurance is your trusted local agent for pet protection in Middle Tennessee.
Pet insurance reimburses you for eligible veterinary expenses, helping to reduce out-of-pocket costs when your pet needs treatment for accidents, illnesses, or preventive care.
Any-vet choice: No network restrictions, visit your preferred vet or emergency clinic.
Flexible reimbursement: Choose 50%–70% reimbursement levels after deductible.
Customizable deductibles: Select from multiple deductible and reimbursement combinations to fit your budget.
Wellness coverage: Optional add-ons for routine care including vaccinations, dental cleanings, and wellness exams.
Nationwide is one of the oldest and largest mutual insurance companies in the U.S., protecting people, businesses, and pets for over 90 years. Their pet plans consistently rank among America’s top pet insurance offerings for breadth of coverage and customer satisfaction.
Reputable provider: A Fortune 100 company answerable to policyholders rather than shareholders.
Comprehensive protection: From minor ailments to major illnesses and emergencies.
Easy claims process: Submit claims online or via mobile app and receive reimbursement quickly.
Financial peace of mind: Helps cover costly treatments so you can focus on your pet’s recovery rather than bills.
No network restrictions: Freedom to see any veterinarian or specialist nationwide.
Preventive care support: Wellness add-ons encourage regular checkups, catching issues early.
Multi-pet discounts: Save when you insure more than one pet under the same policy.
Local expertise: Serving Middle Tennessee and in business since 1998, we understand local veterinary networks and client needs.
Personalized service: We guide you through plan selection, claims support, and policy reviews at our Lebanon or Lafayette offices.
Holistic approach: As a full-service agency, we integrate pet coverage with your broader insurance and financial plans for optimal protection.
1. Can I insure a pet with pre-existing conditions?
Nationwide defines pre-existing conditions as signs, symptoms, or medical conditions that occurred before coverage began; these are generally excluded, but some curable conditions may be eligible after a symptom-free period.
2. Are exotic pets covered?
Yes, birds, reptiles, small mammals, and more are eligible under most Nationwide plans.
3. How do I file a claim?
Submit your vet invoice and claim form online via Nationwide’s pet portal or mobile app for fast processing.
4. When can I enroll?
Enroll any time; there is no open enrollment period for pet insurance.
5. How quickly does coverage start?
Coverage begins the day after you enroll, though illness coverage may have a brief waiting period.
6. Will my rates increase as my pet ages?
Premiums adjust annually based on your pet’s age, plan choices, and veterinary cost trends.
7. What if I switch veterinarians?
You’re free to change vets at any time; your policy remains the same regardless of provider.
Click below to enroll in Nationwide Pet Insurance through our dedicated portal. For personalized assistance or to review your existing policies, contact Smith Insurance & Investments today.
Get a Quote & Enroll with Nationwide Pet Insurance
All coverage details, limits, and exclusions are governed by the terms of the policy. Please refer to the Nationwide Pet Insurance policy for full details.