Pet Programs

2023 Plan Information

Pet Insurances, Services and Discounts

Pet insurance and pet care discounts can help offset the cost of your pet’s illnesses and injuries. We offer different insurance coverages, care discounts, and Rx savings to fit your budget and need.

Compare Pet Programs

Having trouble deciding which pet program is right for you and your pet? The chart below summarizes the pet programs available to employees. Read on or click the name of the program to learn more.

Pet Care ProgramPet Assure | Pet DiscountPet Plus | Pet RxNationwide Pet InsurancePetco Wellness
OverviewPet Assure is a veterinary discounts plan that’s an alternative or addition to pet insurance.
Save 25% at participating veterinarians on all in-house medical services.
Pet Plus is a prescription discount plan for dogs and cats.
Enjoy wholesale pricing on brand-name pet products including medications, prescription food, flea and tick products and heartworm preventive medications and supplements.
Nationwide Pet Insurance is for dogs, cats, birds and even exotic pets.
Select from affordable plans that cover accidents and illnesses, exams, lab fees, prescriptions, X-rays, hospitalizations and more.
Petco has your four-legged friends covered with pet discounts, pet insurance and everything you need to take great care of your furry family members.
Get 10% off Petco preventive care and 10% off Petco Insurance (up to 20% when you enroll multiple pets).
Take 10% off supplies and services at Petco stores and
Veterinary NetworkYesN/ANoNo
Preventive Services PlansN/AN/ANoYes
Pet ExclusionsNoneN/AYesYes
Savings ProcessAt the time of serviceAt the time of orderReimbursement occurs during a claims processReimbursement occurs during a claims process
Cost Per Month One pet: $8.00
All pets: $11
One pet: $3.75
All pets: $7.50
Premiums vary based on your individual pet and coverage level selected.Reimbursement via a claim process. Premiums are based on species (dog or cat), breed, age, and ZIP code.
Wellness coverage for routine care is also available to help maintain your pet’s health.

Pet Programs by Petco

With Petco Wellness, unleash savings on pet products, preventive care and insurance for your furry, four-legged family members.

Pets are cherished members of any family and Petco can help ensure their health, safety and overall wellness with pet discounts, pet insurance and everything you need to take great care of your cats and dogs.


With Petco Wellness, save 10% off:

  • Supplies and services at Petco stores and
  • Preventive care programs
  • Pet insurance – or up to 20% when you enroll multiple pets. See more about pricing below.

Because there is no vet network, you can continue to go to the vet you know. Also, take advantage of ask-a-vet consultations.


When you enroll in either pet insurance or the wellness program, the cost will be deducted from your paycheck. Get quotes on the YouDecide site (see instructions below).

  • Petco insurance is there when your dog or cat has an accident or is ill. Premiums are based on species, breed, age and ZIP code.
  • The Petco wellness program covers routine preventive care to help maintain your pet’s health.

Learn More and Get Quotes

  1. Type “youdecide” in your Morgan Stanley browser.
  2. Click the Voluntary Benefits tile.
  3. Click the Petco Wellness tile.
  4. Click Get a Quote and follow the prompts. Important: When asked to enter your MSID, start with a zero if your ID is 5-digits.

See More Pet Programs on the YouDecide Site

Pet Assurance
Pet Plus


8 am to 7 pm ET, M-F

Pet Care

Help your pets live happier, healthier lives with pet insurance through Nationwide Pet Insurance. You may also want to take advantage of the vet and pet supplies program through Pet Assure and pet care services through SitterCity on the Bright Horizons site.