SPOT vs Nationwide: Pet Insurance Plan Comparison
At SPOT, we're happy to compare ourselves to others, because we're confident in the ways our product outperforms the rest! Here, we take a look at what you get with a SPOT Pet Insurance plan vs a Nationwide Pet Insurance plan.
See How SPOT Stacks Up
Take a look at a few key differentiators between SPOT plans and Nationwide plans:
- Nationwide doesn't allow you to choose your own deductible.
- Nationwide Wellness plans require you to meet your deductible and co-pay.
- Nationwide enforces an upper age limit for enrollment for some plans.
- Nationwide's multi-pet discount is 5% off the second and third pet and then 10% off the fourth pet and any pets after. SPOT's discount is 10% off the second pet and all after.
- Nationwide's money-back guarantee period is 10 days. SPOT's money-back period is 30 days.
The chart below gives a comprehensive look at the core features of each brand. Read on for more about the top five differentiators between SPOT and Nationwide.
Reimbursement Percentage
After the deductible is met, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Unlimited Annual Limit
With this option, once you hit your deductible, there is no cap on your annual claim limit.
Preventive Care Option
Treatment for the purpose of avoiding an illness or injury or for the promotion of general health, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea / heatworm prevention, fecal and blood test, and more! SPOT preventive care is an optional add-on for extra cost.
One Annual Deductible
Spot allows you to select from a range of deductible amounts, ranging from $100 to $500. Once you meet your annual deductible, we will reimburse a percentage of covered expenses according to the reimbursement percentage you select.
Exam Fees
Once your deductible is met, exam fees for accidents and
illnesses related to covered conditions are covered.
Annual physical exam fees are not covered.
*With Figo, an additional monthly fee is required.
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Spot even backs you for the most expensive procedures for covered conditions. Alternative therapies needed to treat a covered condition and chronic conditions are covered.
Therapeutic Diets
A food that is prescribed by your veterinarian to treat a covered condition,
with guaranteed analysis and safety standards. We don't
cover the following therapeutic diets: treats,
general health maintenance diets, weight loss diets,
puppy or kitten diets, homemade diets, or raw food
diets, even if prescribed or dispensed by your
veterinarian.
*Figo only covers food to treat bladder stones / crystals for up to 6 months.
Dietary Supplements
A dietary supplement, vitamin, probiotic, or nutraceutical with
guaranteed analysis and safety standards prescribed by your veterinarian to treat a covered condition.
We don't cover the following dietary supplements: herbs, general
health maintenance vitamins or supplements, or
weight loss supplements, even if prescribed or
dispensed by a veterinarian.
*Petplan covers prescription supplements
Alternative Therapies
There are all sorts of alternative therapies now available for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot On Coverage can reimburse you for alternative therapies your pet might need to treat a covered condition.
Behavorial Issues
This coverage can help with the costs of veterinary
visits for concerning behaviors that may be related
to anxiety or compulsive behavior, like excessive
licking, fur pulling, and destruction of the home.
ral issues
*Trupanion behavioral issues are at an additional fee.
**Petplan only covers up to $1k towards behavioral issues each year.
Dental Illness
We cover treatments for dental illnesses if you enroll in an accident & illness plan, and our plans cover tooth extraction for accidents.
Chronic Conditions
These are conditions that need care across multiple plan periods, such as diabetes and cancer. With Spot On Coverage, you don’t have to worry about a condition becoming ineligible for coverage just because it is ongoing.
Hereditary and Congenital Conditions without limitations
This coverage is for the costs of inherited
conditions and birth defects that don’t show
symptoms until later in your pet’s life, like heart
disease, IVDD, eye disorders, and hip dysplasia.
Any US Licensed Vet, Specialist, or Emergeny Clinic
Spot understands the importance of timing, which is why we're proud to offer you coverage at any licensed vet, emergency clinic or specialist in the US.
Microchip
Your policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal.
No Vaccination Requirements for Coverage of Certain Conditions
No vaccination requirements to be eligible for enrollment or coverage.
Multiple Pet Discount
Insure one, discount the rest. Spot provides a 10% discount for every additional pet insured.
Age Limits for Illness Coverage Enrollment
Tired of being told no? Spot doesn't place an upper age limit on coverage.
Accident Only Plan Available for All Pets
Maybe you're interested in just covering against hefty vet bills for unexpected accidents. We've got coverage for that, too.
Prescription Medication
SPOT Pet Insurance plans cover prescription medications as part of accident and illness coverage.
There is no list of covered medications.
*Prescription medication is an optional add on for Pets Best
30 - Day Money Back Guarantee
Take the time to understand if this service is for
you and your furry pal. Test it out and determine if
it's right for you with our 30 - day money back
guarantee.
*30 day money back guarantee only available if no claims have been approved or paid. Not available in NY.
*Preventive Care available as an add-on to base plan for a little extra cost.
Comparison information is provided using publicly available information as of 8/7/2020 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing [email protected]
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5 Reasons to Consider SPOT over Nationwide
1. Nationwide Set Reimbursement vs SPOT Customizable Reimbursement
Nationwide has a set reimbursement rate of 90% with no options to customize. SPOT provides reimbursement rate options you can choose from to customize your coverage: 90%, 80%, and 70%. While you can still choose to get 90% back, SPOT offers other options because it allows you to build a premium and plan that works for your specific needs and budget. By setting a lower reimbursement rate, for example, you can customize a lower premium.
2. Nationwide Wellness vs SPOT Preventive Care
Both companies offer preventive–or wellness–care that you can add to your base plan for a little extra cost. With Nationwide Whole Pet Wellness, you'll need to cover your deductible and the cost of a 10% co-pay before you can receive reimbursement for routine/wellness services. Your 14-day waiting period also applies to Wellness coverage with Nationwide. SPOT's preventive care options are not subject to deductible, copay, or waiting period.
3. Age Limits
Nationwide does not accept new enrollments of dogs and cats over 10 years old for Nationwide Medical and Feline Select Plans. Also, pets must be a minimum age of one year old to enroll in Whole Pet with Wellness plans. SPOT has no upper age limit and pets just need to be 8 weeks old to enroll. SPOT understands that the first year of a puppy or kitten's life can be expensive with spaying, neutering, vaccines, and accidents, so we're happy to cover pets in that life chapter.
4. Nationwide 5% Discount on Second and Third Pets vs SPOT 10% Discount
With Nationwide's multi-pet discount, you get a 5% discount on added policies for a second and third pet. When you add your fourth pet with Nationwide, you get a 10% discount on that policy and any added beyond that. With SPOT's multi-pet discount, all added pet policies after the first pet get a 10% discount.*
5. 10-Day Money-Back 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's money-back period is 30 days, giving you more time to feel comfortable in your decision.**
Read more about SPOT vs Nationwide
Curious about how we stack up next to other competitors? See more comparisons here.
*Discount applies to lower premiums.
** Not available in New York. Must have not filed any claims within the 30 day period to be eligible for money back.
