“Each year these findings remind us just how much our pets’ health is shaped by ongoing, chronic conditions,” said Dr. Emily Tincher, chief veterinary officer at Nationwide. “While not every illness can be prevented, early recognition and proactive management can improve outcomes. Our goal is to equip pet families, and the veterinary teams who partner with them, with insights that help support better long-term care.” 

Canine Trends: Allergies top the list again and chronic issues dominate the top 10 

• Skin allergies rank #1 again, for the 15^th year running.
• No movement in the top 9 conditions, signaling persistent, widespread health patterns among U.S. canines
• Seizures enter the top 10 for the first time but are very closely followed by kidney disease and cranial cruciate ligament tears.
• Chronic conditions make up 6 of the top 10 and may require long-lasting care and follow families for years, underscoring the importance of ongoing care and budgeting. 

Feline trends: Digestive issues lead the pack again with chronic conditions climbing

• For the third consecutive year, digestive issues stay firmly in the top spot.
• The top six conditions remain unchanged from last year, showing consistent health patterns across the feline population.
• A striking 7 out of 10 conditions for cats are chronic, meaning long-term costs can far exceed a single visit.
• The bottom half of the list sees some reshuffling among inflammatory bowel disease (#7 in 2024), diabetes (#8 in 2024), and respiratory infection (#9 in 2024).

Resources for Veterinary Teams
While many of these conditions cannot be prevented, early detection, client education, and species or breed-specific risk awareness improve outcomes. Nationwide Pet HealthZone^® is a free, publicly accessible resource with clinical insights and risk profiles for more than 100 dog breeds and 11 cat breeds , designed to support both pet families and the veterinary team guiding the care.

With Nationwide pet health insurance, many veterinary expenses associated with the diagnosis and treatment of these common conditions are eligible for reimbursement based on the pet family’s chosen coverage. It’s important to obtain coverage before your pet begins experiencing any symptoms because pre-existing conditions are excluded. To explore options visit petinsurance.com.  

¹These numbers were calculated by analyzing the 80^th percentile of costs Nationwide pet insurance policyholders reported January 1 - December 31, 2025 within the first 30 days after diagnosis for a given condition. 
²These numbers were calculated by analyzing the 80^th percentile of costs Nationwide pet insurance policyholders reported January 1 - December 31, 2025 within the first year after diagnosis for a given condition. 

About Nationwide pet insurance
With more than 1 million actively insured pets, Nationwide is the first and one of the largest providers of pet insurance in the United States. Nationwide pet insurance plans cover dogs, cats, birds and exotic pets for multiple medical problems and conditions relating to accidents, illnesses and injuries. Medical plans are available in all 50 states and the District of Columbia. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Pet owners can find Nationwide pet insurance on Instagram. For more information about Nationwide pet insurance, call 800-USA-PETS (800-872-7387) or visit petinsurance.com.

Chocolate Tops the Naughty List
December sees a dramatic surge in chocolate-related emergencies, with an 182% spike in these claims in the final two weeks of the year. Chocolate contains theobromine and caffeine, which can cause a racing heart rate, hyperactivity, vomiting, seizures, and even death in pets. The cost for treatment is $814ⁱ.

Décor and Gifts Pose Hidden Dangers
Foreign body ingestion also sees a sharp increase during the holidays as pets encounter decorations, swallow toy parts, or visit new environments. These items can cause intestinal blockages requiring surgery, with the cost for treatment being $3,584ⁱ.

Rich Foods Trigger Painful Illness
Pancreatitis and gastroenteritis (tummy upset) are common throughout the season, often caused by fatty table scraps or sudden diet changes. These conditions lead to painful inflammation and digestive upset, with treatment costs $1,610 for pancreatitis and $786 for gastroenteritisⁱ.

• Foods to avoid giving pets: onions, garlic, chocolate, grapes, raisins, spices, bones, corn cobs, xylitol (found in sugar-free items).
• Fun foods to offer pets—in limited amounts: apple, carrots, green beans, white-meat cooked turkey, pumpkin (puree, not pie filling).

“Emergency care can range from hundreds to thousands of dollars, which is why prevention during the holiday season is so critical,” said Dr. Emily Tincher, Chief Veterinary Officer for Nationwide. “To help with pet-proofing for the holidays, consider what is at your pet’s eye level. Block off areas and human food that might prove too tempting, especially when you leave the house or have guests.”

Quick Tips for a Pet-Safe Holiday

• Keep chocolate, candy, and baked goods out of reach.
• Secure décor and wrapping materials, especially ribbons and strings that attract cats.
• Avoid feeding pets table scraps or fatty leftovers.
• Stick to normal feeding routines and monitor stress levels.

Smart Tech for Peace of Mind
If you’re traveling or away for the day, smart-home devices can be lifesaving for pets. More than eight in ten (85%) independent insurance agents recommend smart-home technology to reduce riskⁱⁱ, the top items they recommend are smart sensors for smoke and carbon monoxide. These devices provide you with real-time alerts, that allow you to act more quickly in an emergency. Some homeowners insurance providers (like Nationwide) offer various smart home devices at no cost to home policyholders.

More Resources to Protect Your Pet
Nationwide’s digital platform, the Pet HealthZone®, is a free tool pet parents can use to determine their pet’s unique risk levels and learn about symptoms to watch for, what to expect at the vet, and potential costs associated with treatment of conditions like toxicity and foreign body ingestion.  

With Nationwide pet insurance, eligible veterinary expenses may be reimbursed based on the member’s chosen coverage. To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.comⁱⁱⁱ. 

ⁱ Cost data is 80^th percentile in the first 30 days of diagnosis for Nationwide insured pets November 2023 to November 2025.
ⁱⁱ https://news.nationwide.com/download/388cf87e-65b2-4935-ad1e-e872883aa63a/2025nationwidehomeownersreport.pdf
ⁱⁱⁱ Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary.  
Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2025 Nationwide.  

The Hambone Award was originally named after a Nationwide-insured dog who got stuck in a refrigerator and ate an entire holiday ham while waiting to be discovered. The dog was eventually found, with a licked-clean ham bone and a mild case of hypothermia. 

This year’s class of nominees braved everything from groundhog run-ins and bug buffets to bull brawls—while others snacked on flower bouquets, tech gadgets, and even a taxidermy reptile. Voting for this year’s most unusual pet insurance claim is underway now through Aug. 12, 2025, at petinsurance.com/hamboneaward. Results will be shared on August 19, 2024.  

Meet the 2025 Hambone Award finalists

• Ziya, a Belgian Malinois from California, found himself in the middle of a real-life bull  fight (minus the red cape) on a foggy Bay Area morning. He bravely leapt in to protect his human companions from a loose angry bull, leading to a kick to the jaw, dislodging a tooth. Thanks to expert veterinary care, Ziya made a full recovery—and now hopes that walks will avoid unexpected cattle guests.
• Wash, a mixed-breed dog from Tennessee, couldn’t resist the cicadas that emerged in his yard one summer. His crunchy bug binge led to a smelly situation and a sudden loss of appetite. A veterinary visit and switch to a more bland diet later, Wash made a full recovery—and is working on sticking to more conventional snacks.
• Salem, a shorthair cat from New York, was suspected of swallowing an AirPod that mysteriously vanished. After musical tests, a wild goose chase with Find My iPhone, and two veterinary visits, the mystery remains unsolved. No AirPod was ever found, but Salem walked away healthy and ready to rock.
• Ozi, a Yorkie from California, took channel surfing to a new extreme by chewing the TV remote control to bits while his humans were away. When one battery turned up mangled and the other went missing, a panicked trip to the emergency vet followed. Thankfully, both batteries were later found (under the couch!), and Ozi made a full recovery—though he’s now banned from binge-watching unsupervised.
• Maddie, a Bulldog in Virginia, mysteriously fell ill—until she began spitting up strange objects that looked like bones. The culprit? A preserved alligator that had vanished from the house. Nationwide’s VetHelpline® warned of potential toxic chemicals in taxidermy, prompting an urgent veterinary visit. Maddie made a full recovery and the family now keeps exotic décor out of paws’ reach.
• Hazel, a Dane-St. Bernard mix-breed from New Jersey, had been eyeing a mysterious hole in the yard for days. When she finally pounced, it turned out to be a groundhog’s front door. A trail of tiny blood spots later revealed a bite on her paw. Fortunately, Hazel bounced back quickly.
• Foxtrot, a Great Dane in Texas, stole a full turkey leg straight from the tongs in her owner’s hands the day after Thanksgiving—and swallowed it whole. Though she seemed fine, a call to Nationwide’s VetHelpline® confirmed the bone needed to be removed. Thanks to swift action, Foxtrot made a full recovery and now keeps her kitchen heists to a minimum.
• Duke, a lab-mix from Ohio, was staying with his favorite dog sitter when he swallowed an entire spatula head after licking off some peanut butter. This didn’t stop him from continuing to play and having a good time. Nationwide’s VetHelpline® advised his pet parents to get him to a veterinary practice for x-rays, which revealed the utensil in his stomach, leading to an endoscopy. Soon he was back to his usual self—now sticking to peanut butter without the hardware.
• Boone, a Golden Retriever in New Jersey, snatched a hot piece of grilled chicken and immediately began choking on the bone—while also suffering burns to his mouth. Thanks to his pet parent’s quick reflexes and a visit to the veterinarian, Boone made a full recovery from his BBQ blunder.
• Bella, a Havanese pup from Illinois, turned a simple bouquet into a floral fiasco. After sampling the colorful arrangement, she ended up covered in green, blue, and yellow pollen— with a very upset stomach. A veterinary visit (and a photo of the flowers) helped ensure her recovery.

All nominated pets have made full recoveries and received reimbursements for eligible veterinary expenses from Nationwide^® pet insurance. For full stories, photos of the nominees, and to cast your vote between August 5-12, 2025, visit petinsurance.com/hamboneaward

"Pets always find new ways to surprise us! The Hambone Award shines a light on those unpredictable moments and the amazing teams who help pets recover,” said Dr. Emily M. Tincher, Chief Veterinary Officer at Nationwide. “We’re proud to support the pet families and veterinary teams who turn these unexpected adventures into stories of recovery and relief.”

The grand prize winner will receive the coveted Hambone Award trophy and a Petco gift card. Two runners-up will also receive Petco gift cards.

To explore pet health insurance coverage for dogs, cats and many avian and exotic pets, visit PetInsurance.com.

Skin allergies—a common concern for many pet owners—can manifest in various forms in dogs and cats, often causing discomfort and, if left untreated, potentially serious health issues.  

As loving pet parents, we do everything we can to keep our four-legged family members happy and healthy. Learning to recognize and manage skin allergies and prevent flare ups is a key part of that care.  

Nationwide’s Insured Skin Allergy Stats:    

• #1 Most Common Claim: Skin allergies have been the top claim among Nationwide Pet insured dogs for 13 consecutive years.   
• Rising Numbers: In 2024, Nationwide received more than 450,000 individual claims for skin allergies for dogs and cats—a 13% increase from 2023 claims. 
• Dog Days: Skin allergies accounted for 16% of all dog-related claims in 2024. 
• Cats Too: Skin allergies are also among the Top 10 most common claims for cats insured by Nationwide Pet.   
• Associated costs:  
  • For dogs: About $266* within the first 30 days after diagnosis; projected to reach $841** after one year.  
  • For cats: About $318* within the first 30 days after diagnosis: projected to reach $592** after one year. 

Find Nationwide’s full Top 10 list of most common claims here.    

Understanding Pet Allergies   
Pet allergies can be triggered by a variety of sources—pollen, dust mites, certain foods, and even flea bites. Common symptoms include:  

• Persistent itching  
• Redness or skin inflammation 
• Skin infections due to excessive scratching 

While symptoms start out mild, it's important to consult with a veterinarian if you notice them. They can assess your pet's condition and recommend appropriate treatment.  

“Itchy skin is the most common condition we see affecting dogs. Often, when a pet is diagnosed with skin allergies, it is a chronic condition that requires ongoing care,” said Dr. Emily Tincher, Chief Veterinary Officer at Nationwide. “The financial impact can be just as concerning as the diagnosis of chronic conditions. Understanding this and planning can help pet parents navigate these challenges and ensure their pet receives the care they need.”  

It's uncommon, but allergic reactions can escalate into a life-threatening emergency if they escalate to anaphylaxis (characterized by vomiting, diarrhea, or collapse). If your pet shows signs of an allergic reaction, especially facial swelling or other severe symptoms, seek immediate veterinary care. Early detection and treatment are key to successful management.   

Managing Your Itchy Pet    
Here are some proactive steps to help prevent allergy flare-ups:    

• Reduce indoor allergens: Vacuum and sanitize your dog’s living area frequently and wash pet bedding weekly to minimize dust mites. 
• Limit outdoor exposure: Avoid leaf piles and tall grasses. Wipe your pet’s paws after walks to remove pollen, ragweed, mold spores, and other substances. (A wet rag, unscented baby wipes, or moist paper towel work fine!) 
• Bathe and groom your dog: Use a pet-safe hypoallergenic shampoo and maintain a grooming routine so you can frequently check for irritation.   

Resources for Pet Parents    
For more information on managing pet allergies, visit Nationwide's Pet HealthZone®. This resource offers:   

• Tips for early symptom recognition  
• Understanding treatment options 
• Insights into breed-specific risks based on millions of claims  

This August, let's prioritize understanding and managing our pets’ skin health, helping them thrive throughout the year.  

*This number was calculated by analyzing the 80th percentile of costs Nationwide pet insurance policyholders reported within the first 30 days after diagnosis for a given condition. 
** These numbers were calculated by analyzing the 80th percentile of costs Nationwide pet insurance policyholders reported within the first year after diagnosis for a given condition.  

August is Itchy Pet Month, and no surprise, Nationwide® sees a 45% increase in claims for allergic reactions, including skin allergies, between spring and summer months. This is most likely due to pets spending more time outside, allowing them to be exposed to increased allergens in the environment.  

As we navigate Itchy Pet Month, it's a good idea for pet parents to learn how to recognize, manage, and prevent allergies in furry friends.  

Skin Allergy Stats:  

• Skin allergies have been the #1 most common claim among Nationwide-insured dogs for 12 years.  
• In 2023, Nationwide received 410,500 individual claims for skin allergies (up 10% from 373,000 in 2022).  
• Skin allergies represented 20% of the claims Nationwide received for dogs in 2023.
• Dog parents can expect to pay about $240* for treatment of skin allergies within the first 30 days after diagnosis. Since allergies tend to be chronic, those costs often continue over the dog’s life.  
• Skin allergies are also among the Top 10 most common claims for cats insured by Nationwide.  
• The estimated cost for cats is $289 * within the first 30 days after diagnosis.  

Get Nationwide’s full Top 10 list of most common claims here.  

Understanding Pet Allergies  

Allergies in pets can stem from a range of sources, including pollen, dust mites, certain foods, and even flea bites. Symptoms often include itching, redness, skin inflammation, and sometimes secondary infections due to excessive scratching.  

While most reactions start out mild, it's wise to consult with a veterinarian if you notice them. They can assess your pet's condition and provide appropriate guidance and treatment options, including determining the cause of the reaction.  

It's uncommon, but allergic reactions can progress to a life-threatening emergency if they escalate to anaphylaxis (characterized by vomiting, diarrhea, or collapse). Seek immediate veterinary attention if your pet shows signs of an allergic reaction, especially if swelling is seen around the face. Early detection and intervention can improve the chances of successful management and prevent complications.  

Managing Your Itchy Pet  

To help prevent allergy flare-ups, take these steps:  

• Reduce allergens indoors: Dust mites can kick allergies into high gear, so vacuum and sanitize your dog’s living area frequently and wash pet bedding weekly.  
• Avoid allergens outdoors: Steer clear of leaf piles and tall grasses. Wipe your pet’s paws after coming inside to get pollen, ragweed, mold spores, and other substances off. (A wet rag, unscented baby wipes, or moist paper towel work fine!)  
• Bathe and groom your dog: Use a pet-safe hypoallergenic shampoo and maintain a grooming routine so you can frequently check for irritation.  

Resources for Pet Parents  

For comprehensive information on pet allergies and how to support your itchy pet, explore Nationwide's Pet HealthZone®. This resource offers valuable insights into recognizing allergy symptoms early, understanding treatment options, and maintaining your pet's overall well-being.  

Pet parents can also look up their dog or cat’s breed and discover the conditions they are at higher risk for developing (allergies among them!), based on analysis of millions of claims submitted to Nationwide.  

This August, let's prioritize understanding and managing our pets’ skin health, helping them thrive throughout the year.  

*This number was calculated by analyzing the 80th percentile of costs Nationwide pet insurance policyholders reported within the first 30 days after diagnosis for a given condition.  

It’s also the purr-fect time to expand your knowledge about cat care to ensure their optimal wellbeing and comfort.  

Whether you’ve loved many cats in your life or you’re thinking of adding your first feline friend to your family, Nationwide created the Pet HealthZone, a free online resource featuring 11 cat breeds and over 100 dog breeds. From the majestic Maine Coon to the sleek Sphynx, the Pet HealthZone offers detailed profiles of each breed, shedding light on their unique characteristics, temperaments, and healthcare needs. For prospective cat parents, this resource can serve as a roadmap, guiding them towards a breed that aligns with their lifestyle and preferences.  

Written and edited by a team of veterinarians and breed experts, the Pet HealthZone is a trustworthy resource for veteran and newbie cat parents alike. What truly sets it apart is the health information, drawn from claims data from nearly half a million cats. This wealth of information allows cat owners to make informed decisions about their pet's well-being, from healthcare to lifestyle choices.  

Stay Ahead of Feline Health Issues  
Start by visiting your cat’s breed page, then locate the Health Planner, which includes three high-risk conditions for each life stage. Taking note of the conditions in each stage – and observing their progression throughout your cat’s life – can offer valuable clues to watch for in your cat’s health. For example:  

• Domestic Medium Hair kittens have a moderate risk (2-3x higher than all other cats) of having a foreign body ingestion, which makes sense since curious kitties may put things in their mouths. So monitor this behavior carefully. (Good news, though! As they mature, their risk lowers to be about the same as all other cats, so it seems most learn their lesson while they’re young.)  
• Maine Coons start to develop above-average risk for cardiomyopathy, a serious heart condition, in their young adult years (ages 2-6). That risk continues to grow as they age, and by the time they reach senior status at age 11, their risk is more than 4x higher than all other cat breeds. So it’s a good idea to familiarize yourself with the early signs and be proactive in discussing the risk with your cat’s veterinary healthcare team.  

Familiarize yourself with signs that might indicate your pet may be experiencing a health problem, including some that may seem vague (like coughing or open-mouth breathing, which can indicate heart disease) or unexpected (like hyperactivity). One Nationwide veterinarian reported treating an arthritic cat named Buzz whose only symptom was that he had mysteriously licked all the fur off his elbows. Cats (and dogs) often lick painful areas, and it turns out poor Buzz was licking to try and soothe his sore joints.  

You can also do deeper dives into those conditions, with pages devoted to each that include signs to watch for, what might happen at the vet, and prevention tips. Make sure to check out the top 5 most common feline claims Nationwide saw in 2023:  

• Diarrhea/intestinal upset (Gastroenteritis)  
• Urinary tract disease  
• Kidney failure  
• Dental disease  
• Arthritis  

Fun for the Feline Family  
The Pet HealthZone isn’t just about sharing health info, though. You’ll also find fun facts, a quiz to discover out how unique your cat is (ever wondered how many other felines share their same name?) and lots more:  

• Grooming tips, including when you should be concerned about your cat’s coat  
• Enrichment ideas to keep cats happy and active indoors  
• Ways to encourage appropriate scratching behaviors  
• Best practices for litter box selection and placement  

As we embrace the spirit of June's feline festivities, let us not only shower our cats with affection but also equip ourselves with the knowledge and resources to ensure their long and healthy lives. With the Nationwide Pet HealthZone at your fingertips, you embark on a journey of understanding and appreciation for the diverse and enchanting world of cats.  

Step 1: Dive into your pet’s breed

1.  Explore breed profiles: Visit the Pet HealthZone to discover detailed profiles of over 100 dog breeds and 11 cat breeds, including fun, helpful info on grooming, exercise and enrichment, and more. Whether your new addition is a registered purebred, a delightful mix, or somewhere in between, understanding their specific needs is essential.

2. Discover health risks: Each breed profile includes valuable insights based on 40+ years of Nationwide pet claims data, which shows that different breeds have increased risks for developing certain health conditions depending on their age. If you have any clues about your pet’s parentage or DNA, explore those breeds too. Knowing their risks can help you become a more prepared, tuned-in pet parent.

Step 2: Collaborate with your veterinary healthcare team

1. Pet health planner: During your pet’s first visit with your veterinary healthcare team, share what you’ve learned from the Pet HealthZone, particularly the "My Pet’s Health Planner" section. Your veterinarian is your ally in safeguarding your pet’s health and well-being.

2. Goal setting: Discuss your goals for your pet’s health. Whether it’s preventive measures, nutrition, or behavior, your veterinarian can best partner with you when they understand your needs and financial expectations.

3. Life stage considerations: Ask your veterinarian about specific conditions related to your pet’s life stage and environment. Puppies and kittens have unique needs, and tailoring prevention plans early sets your pet up for long-term health.

Step 3: Stay connected

1. Adapt to Changing Needs: As your pet grows, their requirements evolve. Each life stage introduces distinct health risks. For instance, older pets might benefit from orthopedic beds to support their joints, and the addition of non-slip rugs can help prevent falls on slippery floors. Additionally, placing food and water dishes at a comfortable height can ease strain on their neck and back.

Did you know?

Different breeds mature at different rates. According to the American Animal Hospital Association (AAHA), this is the age when the following dogs become Young Adults (no longer puppies!): 

• Cavalier King Charles Spaniel: 7 months 
• English Bulldog: 10 months 
• Goldendoodle: 1 year 

Regardless of your pet’s breed or mix, they rely on you to ensure their well-being. Explore the Nationwide Pet HealthZone to proactively meet your pet’s unique needs. By doing so, you’ll contribute to their overall health and happiness while strengthening the bond you share for years to come.

“When we looked at the results for the highest-risk conditions across the life stages of certain dog breeds, we noticed the data was telling a particular story,” said Dr. Benson. “Some dog breeds continue to submit claims for what we might think of as ‘silly puppy’ conditions – including trauma, foreign body ingestion, and toxicity – well into their mature and even senior life stages.” 

The list of “Peter Pan pups” includes some usual suspects, but others may be surprising to those expecting to see only Labradors on the list: 

Top 3 breeds most likely to submit a foreign body ingestion claim as mature adults: 

1. English Bull Terrier (2.6x more likely than all other dog breeds) 
2. Bernese Mountain Dog (1.9x) 
3. American Bulldog (1.6x) 

"Most improved" for foreign body claims might go to the Samoyed, who is a whopping 10x as likely to submit a claim as a puppy, but seems to mature well, going down to average risk as a mature adult. 

Top 5 breeds most likely to submit a trauma claim as mature adults: 

1. Greyhound (3x more likely than all dog breeds) 
2. Belgian Malinois (1.9x) 
3. Airedale Terrier (1.8x) 
4. German Shepherd (1.6x) 
5. Weimaraner (1.6x) 

For trauma, the Shetland Sheepdog finds their feet more aptly, going from high risk (5.8x) as a puppy to a slightly below average risk as a mature adult.  

Cats in Contrast 
Interestingly, the Nationwide team did not see this “eternal youth” trend continue among felines. While some breeds did have foreign body ingestion on the list as young adults (the Siberian took first place with risk 2.8x greater than other breeds, closely followed by the Maine Coon with 2.1x risk), no cat breed had foreign body, trauma, or toxicity listed beyond the young adult life stage. They didn't rank at all for any life stage among British Shorthair, Persian or Sphynx – which could earn them the title of most sensible of felines. 

“Could we draw the conclusion that cats seem to be more sensible (or risk-averse!) in general? Perhaps,” said Dr. Benson. “At the very least, the Pet HealthZone can inform those breeds’ pet parents that they can likely focus on other concerns. We hope that by making these pet health insights free and easy for everyone to understand, we can impact the way pets receive care, both at home and in the veterinary clinic.” 

The Nationwide Pet HealthZone is free for all users and can be accessed by visiting ThePetHealthZone.com.  

What is it? The Pet HealthZone is a unique digital resource for pet owners. With support from their furry friends, Exploding Pop Tart, Brooklyn and Wrigley, Dr. Emily Tincher, Nationwide’s senior director of pet health, and Melanie Kolp, Nationwide’s senior vice president and chief technology officer of technology strategy, data and innovation, explain how it works.  

Real data, with a Gen AI boost. The insights available in the Pet HealthZone come from 40+ years of providing pet insurance to all kinds of dog and cat breeds. But translating thousands of pages of highly technical veterinary data and information into easily digestible information for pet owners is no easy task.  

In this next video, Tincher and Kolp explain how Gen AI helped Nationwide’s team of data scientists, breed experts and veterinarians write the Pet HealthZone content while ensuring accuracy.  

Barks, vacuums and celebs. In addition to learning about their pet breed’s characteristics, idiosyncrasies and potential ailments, the Pet HealthZone also offers pet families interesting and fun facts, like how much they can expect their pet to shed, how vocal they might be and even the notable personalities who are known to have the same breed in their home.  

Watch the full video below.  

Additional Resources 

• Q&A: Nationwide CTI Jim Fowler Talks Generative AI
• A History of Nationwide’s AI Journey
• How Nationwide is Embracing the Revolution of Generative AI
• Pet HealthZone puts personalized health insights in pet parents’ hands 

The recently expanded Pet HealthZone now contains detailed profiles of 11 cat breeds and more than 100 dog breeds, including mixed breeds and popular crossbreeds like Labradoodles and Puggles. Altogether, they represent 97% of the dog breeds and 90% of the cat breeds Nationwide currently insures.

Dr. Jules Benson, Nationwide's Chief Veterinary Officer and Vice President of Pet Health, highlights how the Pet HealthZone supports the loving bond between pet parents and their furry companions: "One way to return our pets’ unconditional love is by ensuring we are the best pet parents we can be. The Pet HealthZone is designed to help pet parents uncover the increased health risks their pet may face, along with lots of fun information about how to love and care for them right. And because the love of pets knows no bounds, the Pet HealthZone is free and accessible for everyone.”

Each breed profile features in-depth information about specific health risks by breed and age, along with ways for pet parents to prevent problems or catch them early. Profiles also include steps veterinary healthcare teams might take to diagnose and treat various conditions, and potential costs that may be associated.

More reasons to love the Pet HealthZone:

• More to adore: The Pet HealthZone is more than just pet health info – it’s a delightful journey for pet lovers, featuring breed origin maps, characteristics, grooming and coat care needs, and exercise and training tips. An interactive “One in a Million” page reveals fun stats for each unique pet.
• Puppy love: Everyone knows love is blind when it comes to puppies, but this is one relationship where it’s better to go in with eyes wide open. Although most puppies are predisposed to putting everything in their mouths, the Pet HealthZone can help pet families better understand which breeds have increased tendencies to experience foreign body ingestions and toxicity. The platform also provides insights on which puppies may be at greater risk of developing hereditary conditions, and what pet parents should watch for to catch those issues early.   
• Looking for love: For families looking to open their hearts and homes to a new pet, the Pet HealthZone can help find a match made in heaven. The site can help prospective pet parents choose the right breed for their lifestyle by identifying a breed’s energy level and exercise requirements, training preferences, and even grooming and coat care needs. Mismatches are common reason pets are surrendered to animal shelters, so diving into the Pet HealthZone can help ensure each pet’s love story has a happy ending.
• Attitude is everything: A feature called "Breed Attribute Badges" can help simplify the matchmaking process for pet parents. These badges highlight pets’ personality traits, grouping breeds together based on their unique attributes. Whether you're searching for a Couch Potato to lounge with, a Runner's Buddy to keep you active, or a dog who Loves Kids, Loves Family (or Loves Everyone!), searching by Breed Attribute makes it easy to find the perfect companion for your lifestyle.
• A labor of love: The Pet HealthZone is derived from an unparalleled analysis of more than 22 million insurance claims spanning Nationwide’s 40-plus years of protecting pets. Analyzing claims from nearly 3 million dogs and cats, this data-driven platform provides evidence-based, veterinary-authored insights pet parents can trust.

Visit ThePetHealthZone.com to learn more and discover ways to nurture each pet’s needs like never before. For information on how to protect your precious pet’s health, visit petinsurance.com

Her team was looking for ways to transform thousands of pages of highly technical veterinarian medical knowledge into digestible information that could help the common pet owner take better care of their dogs and cats.  

The challenge was with so much potential content—it seemed an insurmountable task to even get a start. Demanding project timelines were also adding pressure. 

Enter generative artificial intelligence.  

With a few creative prompts, Emily and her team were able to ask the Generative AI tool to create first-draft summaries for seventy-one different health conditions.  

With a few more prompts, the tool quickly created additional drafts of both short-form and longer-form descriptions of the health conditions—all drafted in laymen’s terms. 

With the boost from generative AI, Emily and a team of other veterinarian experts at Nationwide Pet were able to review and update the newly packaged information for accuracy and enhancement. 

The resulting subject matter was transformed into the secret sauce fueling the one-of-a-kind Nationwide Pet HealthZone®, a groundbreaking platform that uses Nationwide Pet claims data from millions of pets to provide personalized information about specific health risks. 

In an effort that saved more than three hundred hours, the use of generative AI drastically accelerated the creation of 35,000 words of medicalized content, saving time and money. 

“Without the option to use generative AI, we would have had to either compromise the quality of the content we were aiming for, or dramatically extend a critical deadline. It was a fantastic way to augment our resources,” said Dr. Jules Benson, Nationwide Vice President, Pet Health and Chief Veterinary Officer.  

It’s one of several ways Nationwide is on the forefront of leveraging generative artificial intelligence to speed up work and provide better customer experience for partners and members. 

A leg up on the competition 
“For the better part of a decade, we’ve been investing in our technological and data analytics infrastructure to leverage artificial intelligence and machine learning at scale to enable our business,” said Nationwide Chief Technology Officer Jim Fowler. “Our team has the advantage of that upfront investment allowing us to embrace the revolution that generative AI will bring to our industry.” 

Fowler points to Nationwide’s unique life insurance underwriting capabilities that have been enabled by AI and machine learning for the past few years. 

“The result of our Technology and business teams’ collaboration is more efficient quoting and illustration for Nationwide and our partners and a much easier and faster underwriting experience for customers,” says Holly Snyder, president of Nationwide’s life insurance business.  

The new customer service superpower 
The up-front investment in this foundational capability over the past decade by Nationwide is positioning the U.S-based financial services and insurance giant at the vanguard of experimentation with generative AI solutions. 

While legal and regulatory guidelines on the use of generative AI for insurance are still to be figured out, it doesn't mean the nascent technology won't have an impact on the insurance and financial services industry. 

"Generative AI has the potential to 'level up' the ability of human beings to deliver better content faster and provide superior customer experiences," says Fowler. “Humans plus machines will work together in a bionic model and power Nationwide and our industry for the next 100 years." 

Springing from the years of experience already under its belt, Fowler says Nationwide is testing several experiments using new generative AI models.  

“We’re digitizing the ordinary so we can humanize the extraordinary.” 

The sky is the limit 
Right now, the company is piloting several "proofs of concept" that have the potential to enhance customer service and sales associates' ability to deliver extraordinary customer care—with generative AI acting as a co-pilot. 

For instance, one experiment is assessing the viability of using generative AI to function as a "bionic co-worker" for customer service representatives. In real time, the generative AI platform analyzes a customer call and supplies prompts and data to help the customer service rep resolve the issue quickly while enhancing the experience. 

"Human interaction is critical in our business," says Amy Shore, Nationwide's Chief Customer Officer. "We're in a position to explore a vast number of customer and partner interaction scenarios in which generative AI can support the ordinary, freeing up our people to offer an extraordinary experience." 

In another experiment, Nationwide is testing similar generative AI capabilities to coach sales representatives as they interact with partners. 

"The sky is the limit," says Fowler. "There is endless potential to redefine insurance and financial services and Nationwide is at the leading edge of those changes. I'm excited for our team as we continue to invest in giving our people the tools and training that they need to embrace the revolutionary opportunities presented by generative AI." 

By entering a pet’s name, breed, and age, the Pet HealthZone will provide customized, in-depth information about an individual pet’s health risks, drawn from analysis of claims data from millions of pets. The Pet HealthZone puts a team of Nationwide veterinarians, breed experts, and data analysts at the fingertips of pet parents, giving them immediate access to age- and breed-specific insights, fun facts, and expert advice.  

“As veterinary professionals, we know there’s a lot of pet health information out there. However, pet families coming to us with the results of internet searches or what they’ve seen on social media may not always set us up for the most productive conversations,” says Dr. Jules Benson, Vice President, Pet Health and Chief Veterinary Officer at Nationwide. “Imagine, instead, them being able to leverage data from millions of pets from veterinary clinics across the country. Clients can come into the exam room with accurate information about their pets’ specific health risks and look to you for help in catching and treating those health issues early.” 

The Nationwide Pet HealthZone will, for example, inform pet parents of Labrador Retriever puppies that they are 6.5x more likely to have a foreign body ingestion compared to all other dogs. Similarly, pet parents of young adult life stage American Cocker Spaniels will learn that their dog is 16x more likely to have cherry eye compared to all other dogs. 

This data-informed knowledge opens the door to organic, in-practice conversations on at-home monitoring, helping pet parents spot early signs of illness and get timely veterinary care. When clients know what’s likely for each pet, each breed, and each life stage, veterinary healthcare teams have a better chance to help with interventions and treatments that provide the best outcomes. 

The Pet HealthZone supports the efforts of veterinary healthcare teams by:  

• Improving pet health outcomes: An ounce of prevention is worth a pound of cure. By enabling the right conversations at the right time, the Pet HealthZone can help clients and veterinary healthcare teams take tangible steps to prevent diseases, slow their progression, or be prepared for tough conversations down the road.
• Increasing the effectiveness of veterinary healthcare teams: By equipping pet families with a more comprehensive understanding of their pet’s health and taking some of the heavy lifting out of client education, the Pet HealthZone allows team members to focus on the most important conversations around prevention, diagnosis, and treatment.  
• Making pet health data meaningful and actionable: Nationwide knows that data will play a key role in the evolution of the pet health industry, and creating accessible, easy-to-use tools like the Pet HealthZone is critical in developing fields like evidence-based care and veterinary informatics.  

Nationwide is working to elevate pet care and strengthen the human-animal bond. For more information, visit ThePetHealthZone.com and experience the future of pet health.  

About Nationwide pet insurance  
With more than 1.2 million insured pets, Nationwide is the first and largest provider of pet health insurance in the United States. Nationwide pet health insurance plans cover dogs, cats, birds and exotic pets for multiple medical problems and conditions relating to accidents, illnesses and injuries. Medical plans are available in all 50 states and the District of Columbia. Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Pet owners can find Nationwide pet insurance on Facebook or follow on Twitter. For more information about Nationwide pet insurance, call 800-USA-PETS (800-872-7387) or visit PetInsurance.com. 

Nationwide is providing that insight (and more!) to all pet parents for free through its new online platform, the Pet HealthZone^®. The groundbreaking digital experience leverages 40+ years of Nationwide claims data from millions of pets to provide customized, in-depth information about a pet’s specific health risks. In just a few minutes and a couple of clicks, pet parents will receive age- and breed-specific insights, fun facts, and expert advice on how to best care for their pets.  

“While each pet is unique, they also share some health issues with others based on ancestry and age. In the hands of pet families, that information can help keep pets healthier and happier,” says Dr. Jules Benson, Vice President, Pet Health and Chief Veterinary Officer at Nationwide. “By relying on data-driven insights available only from Nationwide, we can help to inform pet parents about the likelihood of health issues for that pet and prompt important conversations with their veterinary healthcare teams.”  

Nationwide’s team of veterinarians, breed experts, and data analysts developed the Pet HealthZone, which means pet parents can feel confident relying on a wealth of data-driven knowledge to support their pets' wellbeing. 

Nationwide’s customized pet health insights eliminate the need for pet parents to rely on dubious internet searches or social media posts. They can work to protect their pets – and their pocketbooks – with information on health conditions that are at higher risk for each individual animal. Pet parents can learn what symptoms to watch for and make more informed decisions about their pet’s health and care. 

“What if the owners of every Labrador Retriever puppy knew that their pup was at a significantly higher risk of foreign body ingestion than other dogs?” said Dr. Benson. “It might prompt more proactive preventive measures at home and more conversations with veterinary teams about signs to watch for.” 

“Knowledge is power. Through the Pet HealthZone, Nationwide can share our knowledge to protect more pets and advance pet care in the process,” said Dr. Emily Tincher, Nationwide’s Senior Director of Pet Health. “When pet families are able to make better healthcare decisions, they can worry less and enjoy the bond they share with their pets more.”  

To experience the future of pet health, visit ThePetHealthZone.com. 

For more information on Nationwide’s full range of pet insurance plans and benefits, visit petinsurance.com.