Key Differences
Spot offers more deductible options than Nationwide.
Nationwide has a longer window to file claims than Spot.
Spot’s reimbursement rate options start at 80%, Nationwide’s start at 50%.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Spot and Nationwide offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
7,931 |
76,077 |
Deductible: |
$100, $250, $500, $750 or $1,000 |
$250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
50%, 60%, or 70% |
Annual Limit: |
$2,500 to Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
14 days* |
14 days |
Illness Waiting Period: |
14 days* |
14 days |
Wellness Waiting Period: |
0 days |
1 day |
Orthopedic Waiting Period: |
14 days* |
12 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Optional |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 270 days of treatment |
Within 365 days of the date of treatment* |
Claims Submission App: |
Yes |
No |
Spot Accident and Illness Coverage
Spot offers an accident and illness plan with extensive options to configure your policy to your budget and needs.
Deductible Options
$100, $250, $500, $750, and $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, or Unlimited
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Emergency Care
Hereditary Conditions
Hospitalizations
Illnesses
Microchip Implantation
Prescription Medications
Surgery and Specialized Care
X-rays and Tests
Vet Exam Fees
Virtual Vet Visits
Optional Wellness Add-On
Spot offers two optional wellness coverage add-ons to their insurance plan: Gold and Platinum. This optional coverage can reimburse you up to a certain annual amount for select preventative and routine care.
Gold
Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Platinum
Spay/Neuter OR Dental Cleaning
Wellness Exam
Dog DHLPP or Cat FVRCP Vaccine/Titer
Dog Heartworm or Cat FELV Test
Rabies and/or Dog Lyme or Cat FIP Vaccine/Titer
Deworming
Fecal Test
Flea/Heartworm Prevention
Health Certificate
Dog Bordetella or Cat FELV Vaccine/Titer
Urinalysis
Blood Test
Nationwide Accident and Illness Coverage
Nationwide offers accident and illness coverage you can configure your deductible and reimbursement rate to fit your budget and needs.
Deductible Options
$250, $500, or $1,000
Reimbursement Options
50%, 60%, or 70%
Annual Limit Options
Unlimited
What's Covered
Accidents
Alternative Treatment
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
Optional Wellness Coverage Add-On
Nationwide offers two levels of optional wellness coverage. The first level provides $450 in annual benefits and the second level provides $800. Here’s what is covered in each.
Level 1 - $450 Total Annual Benefit
Physical Exam (2 exams per term)
Vaccination or Titer
Heartworm or FeLV/FIV test
Fecal test
Deworming
Microchip
Health certificate
Flea control OR Heartworm prevention
Level 2 - $800 Total Annual Benefit
Everything listed in Level 1 is covered plus:
One additional test
Health screen (blood test), Radiograph (x-rays), or Electrocardiogram (EKG)
Spay/neuter/dental**
**Coverage for spay/neuter or dental starts 90 days after the original policy term effective date.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Spot and Nationwide.
Spot Claims Details
You can use Spot’s app or website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days from the date of treatment.
Offers direct deposit as a reimbursement option
Convenient claims submission using the Spot Pet Insurance app
Claims are processed within 5-7 days on average
Nationwide Claims Details
With Nationwide Pet Insurance, you can file a claim through an online portal, fax, mail, or email with invoice(s).
Direct deposit option for receiving reimbursements
Trackable claim status using the online portal
Our Spot vs. Nationwide Review
Spot and Nationwide offer comprehensive coverage for accidents, illnesses, and various health issues. Both providers offer an optional wellness coverage add-on to their base plan. In terms of coverage, Spot and Nationwide are very similar, but Spot does cover some costs and services, such as microchipping, that Nationwide offers as an add-on. You can configure the reimbursement rate and deductible of Nationwide’s plans, the maximum annual limit is fixed. Spot offers reimbursement, deductible, and annual limit options to choose from. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
