Spot Pet Insurance vs Nationwide
Microchip implantation coverage included
$2,500+in discounts from Spot perks ∞
10% multi-pet discount ♠︎
No upper age limits
Recognized by Pet Experts. Trusted by Pet Parents.
How do our competitors stack up?
We’re ahead of the pack
No upper age limit
Hereditary & congenital conditions
Microchip implantation included
30-day money back guarantee a
Why choose Spot?
5 reasons to choose Spot over Nationwide
Nationwide does not allow pets over the age of 8 to enroll in a Modular Pet Insurance plan, and pets over the age of 9 in Major Medical plans.
Spot plans can cover pets starting at 8 weeks old and they never age out of our coverage.
Nationwide only offers a 5% multipet discount for the 2nd and 3rd pet enrolled. Pet parents can only access a 10% discount if they have 4 or more pets enrolled.
Spot offers a 10% multipet discount on every pet enrolled after the first.
Nationwide will not cover the cost of microchip implantation without the purchase of wellness coverage.
Microchip implantation coverage is included inall of Spot’s base plans.
Healthy Paws does not offer preventive care coverage and cannot help with the cost of routine care.
Spot offers preventive care add-ons that can help cover the cost of wellness exams, vaccines, dental cleanings, and other routine veterinary costs.
Nationwide only offers a 10-day money back guarantee.
Spot offer’s a 30-day money back guarantee onall plans, giving pet parents more time to feel confident in their decision.a
Pet Parents that Switched Love Spot
“I love SPOT. They are super reasonable and super responsive. The app is super easy to use. I switched from one company to Spot and I’m so glad I did.”
The choose your price pet insurance
Spot plans offer flexible pricing, helping you create the perfect plan for your pet and budget.
Spot offers more than just traditional coverage
Happy pets. Happy pet parents.
Pet parents have chosen Spot to help them get coverage for over 500,000 pets.
Good customer service
My dog sugar ate a plastic bag from my neighbor.
Best coverage for the price!
I love SPOT
I was so surprised
Switched dog insurance to SPOT
Great first time experience
Pet Insurance Buying Guide
What to consider when choosing a pet insurance plan?
How It Works
Once you have your custom Spot Pet insurance policy and have paid your premium, you can carry on as usual. When your pet needs unexpected care after any applicable waiting periods, you can visit any vet in the U.S. or Canada, submit a claim in minutes via our easy-to-use app and get paid back up to 90% of your covered vet bill. Most claims are processed in less than 2 days.◆
Coverage
Spot offers two main plans: Accident & Illness coverage, addressing a broad range of health concerns, and the Accident Only plan, catering specifically to unexpected injuries. Spot also offers optional preventive care plans as an add-on with coverage available for routine exams, dental cleanings, and spaying or neutering.
Deductibles
Spot plans incorporate a deductible, a predetermined amount that must be paid before coverage applies to eligible veterinary expenses. As a policyholder you retain the ability to select the deductible amount, tailoring the plan to align with your preferences and financial considerations.
Reimbursement
Spot plans offer reimbursement rates of 70%, 80%, or 90% on eligible vet bills. You’ll need to meet your deductible first before reimbursements are paid out. Allowing you to choose the reimbursement amount gives you the added flexibility to customize your plan to best fit your pet's health needs and your budget.
Pre-existing conditions
Our plans don't cover pre-existing conditions, and typically, neither do most others. However, unlike some other pet insurance providers, Spot plans can cover curable, pre-existing conditions, as long as they are symptom free for at least 180 days, excluding pre-existing knee and ligament conditions.
Premiums
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that may impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you may be eligible for.
Age limits
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
What's Not Covered
Spot plans do not cover breeding costs, elective cosmetic procedures like talk docking or ear cropping, or preventive care services. You can add preventive care coverage for wellness exams, vaccines, and more for a small fee after you select your base plan.
