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.
Unlimited Annual Limit
Preventive Care Option
One Annual Deductible
Lab tests, X-rays, Hospitalization, Surgery, Diagonostics, etc.
Hereditary and Congenital Conditions without limitations
Any US Licensed Vet, Specialist, or Emergeny Clinic
No Vaccination Requirements for Coverage of Certain Conditions
Multiple Pet Discount
Age Limits for Illness Coverage Enrollment
Accident Only Plan Available for All Pets
30 - Day Money Back Guarantee
*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.