Spot vs Nationwide: Pet Insurance Plan 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 coverage providers.
After you learn more about Nationwide Pet Insurance Plans and other top providers, you will be able to see which coverage option speaks 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 ways our product outperforms the rest! We’re passionate about ensuring that your pets are well cared for. Our plans are created with you and your beloved pet in mind. That is clearly reflected in our offerings.
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
Want to learn more about how Nationwide Pet Insurance compares to Spot Pet Insurance? We’ve rounded up a few of the most significant differences in coverage limits, pricing, routine care and more.
Take a look at a few key differentiators between Spot plans and Nationwide plans. You might just be surprised.
Here’s what you need to know about Nationwide’s pet health insurance:
- Nationwide doesn't allow policyholders to choose their own annual deductibles.
- Nationwide Wellness plans require you to meet your deductible and copay.
- Nationwide enforces an upper age limit for enrollment for some plans.
- Nationwide's 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's discount is 10 percentoff 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. Pet Insurance Nationwide looks different from Spot Pet Insurance. The more you learn, the better able you’ll be to decide what’s right for you.
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 service@customer.spotpetins.com.
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5 Reasons to Consider Spot over Nationwide
1. Nationwide Set Reimbursement vs. Spot Customizable Reimbursement
Your Nationwide Pet Insurance coverage looks different in regards to the reimbursement levels. Nationwide offers only a set reimbursement rate of 90 percent with no options to customize.
Spot provides reimbursement rate options you can choose from to customize your coverage: 90 percent, 80 percent, and 70 percent While you can still choose to get 90 percent back, Spot offers other options because it allows you to build a premium and a health care plan that works for your specific needs and budget.
This is important to us because we want to protect your pet and help them get the best care. We also want this to be accessible for a lot of people. By setting a lower reimbursement rate, for example, you can customize a lower premium. Being a pet parent can be difficult; this is just one way that Spot Pet Insurance is committed to making it easier for you!
2. Nationwide Wellness vs. Spot Preventive Care
While both companies offer preventive – or wellness – care that you can add to your base plan for a little extra cost, you should know about some key differences when it comes to pet insurance.
With Nationwide Whole Pet Plan, you'll need to cover your deductible and the cost of a 10 percent copay before you can receive reimbursement for routine/wellness exams and 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. This ensures that your pet gets the care they need at the moment that they need it.
3. Spot Pet Insurance vs. Nationwide Pet Insurance Coverage age limits
Take a look at Nationwide Pet Insurance reviews. You will learn that Nationwide does not accept new enrollments of dogs and cats over ten 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 eight 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.
That’s why we have these views regarding age limits and restrictions. At Spot, no matter how old your animal is, you can rest assured that they will be provided the care they need. From their first night home to their golden years, we walk pets through every stage of their lives.
4. Nationwide five percent discount on second and third pets vs. Spot 10 percent discount
Do you have multiple pets? If so, you’re going to want to learn more about this critical difference between the insurance coverage provided by Spot and Nationwide.
With Nationwide's 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, you get a 10 percent discount on that policy and any added beyond that.
With the multi-pet discount on a Spot Pet Insurance plan, all added pet policies after the first pet get a 10 percent discount.* Yes, it’s really that easy to ensure that all of your family’s pets are properly protected and cared for.
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.** We want you to be happy and confident in your decision to join us. That’s why we’re committed to giving you a longer period of time should you change your mind about our insurance products.
Veterinary Pet Insurance that hits the Spot
We’re sure that once you see what Spot Pet Insurance offers, you’ll understand why this is a pivotal decision for your pet.
Picking a pet insurance company can help pet parents manage hospitalizations, chronic conditions, and preventative care. Truly, vet bills should never stop a pet owner from new adventures with their furry friends.
Read more about Spot vs. Nationwide
*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.
