Cat looking at dog

Spot Pet Insurance embraces comparison shopping because it’s easy to spot how our pet-first coverage outperforms the competition. When it comes to comparing the way reimbursement and preventive care are handled, you’ll definitely notice some differences between Spot Pet Insurance and Nationwide.

More Reimbursement Options

Spot provides you with three different percentages of reimbursement to cover your dog or cat in case of accidents or illness: 90%, 80%, and 70%. This range, along with a variable deductible and repayment total, allows you to customize your policy and dial in an affordable monthly payment.

Nationwide meanwhile offers just one percentage, 90%, and that’s only with its premium plan. Their other plans cap your reimbursement per condition or service.

Hassle-free Preventive Care

Spot provides the option of preventative care for as little as $9.95 a month, which reimburses you a set amount for a comprehensive list of services that safeguard your pet from future health concerns through vaccines, flea/heart worm preventatives, and dental cleanings. There is no deductible cost or co-insurance payment required. And you can immediately begin using the coverage without any waiting period.

Nationwide Whole Pet, on the other hand, requires you to cover your deductible and the cost of a 10% co-pay before you can receive reimbursement for these same services. You’d also have to put off using the coverage for a 14-day waiting period.

No Age Limits for Illness Coverage Enrollment

Spot offers illness coverage for any pet older than six weeks, and we don’t place an upper age limit, in order to protect senior pets as they become more vulnerable to becoming sick.

However, there are upper and lower age limits for new enrollment in Nationwide plans: a 10-year-old maximum age limit for Nationwide Medical and Feline Select plans, and a one-year-old minimum age limit for their Whole Pet with Wellness plan.

Better Multiple Pet Discount

Have more than one pet? Awesome. Spot gives you a 10% discount for each additional pet.

Nationwide only offers 5% off a second or third pet. You would have to open policies on more than four pets to reach a 10% discount.

Longer Money Back Guarantee

Spot gives you a 30-day money-back guarantee.* That’s 30 days in which to experience our service and explore your policy, and still get your money back if you’re not satisfied, as long as no claims are filed.

Nationwide’s money-back guarantee is 10 days. Hardly enough time to determine how comfortable you are with what you’ve paid for.

Need more information? Check out our comparison chart to see additional ways Spot pet insurance plans stack up against Nationwide.

The content of this comparison is intended to summarize features of the program offered by another provider and does not outline a specific plan. The summary is not that of the other provider. The comparison is based upon plan information available to the public as of 11/1/2019. See the terms of the provider’s plans to learn more. Questions about a provider’s plans should be directed to that company. We work to maintain accurate, current information. If you notice any content that requires updating, please contact us via email at or by mail at Spot Pet Insurance Services LLC, 400 Clematis St. #208, West Palm Beach, FL 33401.

*Assuming no claims have been filed. Not available in NY,