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.

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No Upper Age Limit

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Exam Fees

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Behavioral Issues

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Preventive Care

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Prescription Foods

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Alternative Therapies

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Chronic Conditions

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Multi Pet Discount

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30-Day Money Back Guarantee

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Comparison information is provided using publicly available information as of 10/18/2022 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 is 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 the 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

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.

Microchip Implantation is Covered in Spot's Base Plans

Microchip implantation is covered in Spot's base plans. Microchips help to increase the chance that you and your pet will be reunited if they ever become lost or stolen. We want to help make sure that your pet is able to come home again.

With a Nationwide plan, microchip implantation is only covered if you add wellness coverage to your plan, which costs an additional fee.

Nationwide plans’ 5 Percent Multi-pet Discount vs. Spot Plan's 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 the 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's 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.

Tucker's Road to Recovery

When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.

Cost of Treatment: $4,305

Spot Plan Reimbursed: $3,874.505

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

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