Nationwide Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Nationwide Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

One of the best ways to determine which pet insurance policy is right for you and your pet is to compare some of the leading providers’ plans. After you learn more about Nationwide Pet Insurance Plans and other top providers’ plans, you will be able to see which coverage options speak to you. Wondering why we’re so ready to compare ourselves to some of the leading pet insurance providers? At Spot, we're happy to compare ourselves to others because we're confident in the products we offer! We’re passionate about helping ensure that your pets are well cared for. The plans we offer are created with you and your beloved pet in mind.

See How Spot Plans Stack Up

Want to learn more about how Nationwide Pet Insurance plans compare to Spot Pet Insurance plans? We’ve rounded up a few significant differences.

Here’s some differences you need to know:

  • Nationwide plans don't allow policyholders to choose their annual deductible amount.

  • Nationwide Wellness plans require you to meet your deductible and copay.

  • Nationwide has an upper age limit for new enrollments for some plans.

  • Nationwide plans’ multi-pet discount is 5 percent off the second and third pet and then 10 percent off the fourth pet and any pets after. Spot plans’ multi-pet discount is 10 percent off the second pet and all after.

  • Nationwide plans’ money-back guarantee period is 10 days. Spot plans’ money-back gurantee period is 30 days (available if no claims have been covered, not available in NY).

Read on for more about differentiators between Spot plans and Nationwide plans.

Competitor Comparison

Spot Pet Insurance logo white

30-Day Money Back Guarantee

spot heart item included

Multi Pet Discount

spot heart item included

Preventive Care

spot heart item included


spot heart item included

Dental Illness

spot heart item included

Hereditary & Congenital Conditions

spot heart item included


spot heart item included

One Annual Deductible

spot heart item included

No Upper Age Limit

spot heart item included

Chronic Conditions

spot heart item included

Behavioral Issues

spot heart item included

Alternative Therapies

spot heart item included

Exam Fees

spot heart item included

Prescription Foods

spot heart item included
heart item included icon / checkmark item included icon Included x item not included icon Not included/Some inclusions²

Top reasons to consider Spot:

Spot pet insurance plans vs. Nationwide pet insurance plans age limits

Nationwide does not accept new enrollments of dogs and cats over ten years old for Nationwide Major Medical plans and Feline Select Plans. Also, pets must be a minimum age of one year old to enroll in Whole Pet with Wellness plans.

Spot plans don’t have upper age limits, and pets just need to be eight weeks old to enroll.

Nationwide plans’ five percent multi-pet discount on second and third pets vs. Spot plans 10 percent multi-pet discount on all additional pets

Do you have multiple pets? If so, you’re going to want to learn more about this difference between the plans provided by Spot and Nationwide.

With Nationwide plans’ multi-pet discount, you get a 5 percent discount on added policies for a second and third pet. When you add your fourth pet with Nationwide plans, you get a 10 percent discount on that policy and any added beyond that.

With Spot plans’ multi-pet discount, all additional pet policies get a 10 percent multi-pet discount. Yes, it’s really that easy to help ensure that all of your family’s pets are protected and cared for.

10-Day money-back guarantee vs. 30-Day money-back guarantee

When you enroll in a Nationwide policy, you have a 10-day window that you can get your money back, should you change your mind.

Spot plans’ money-back guarantee period is 30 days, giving you more time to feel comfortable in your decision. The 30 day money-back guarantee is available if no claims have been covered, but it is not available in NY. We want you to be happy and confident in your decision to enroll in a plan provided by Spot.


Happy Pet Parents Trust Spot

Rated 4.4 / 5 based on 2,248 reviews

Spot Is a Pack Leader