Spot offers better pet insurance coverage for dogs and cats than Nationwide, ranking eighth nationally while Nationwide ranks ninth. Spot provides more flexible deductible options ranging from $100 to $1,000, higher annual coverage limits up to unlimited, and shorter accident waiting periods of just two days compared to Nationwide's 14-day waiting period for accidents.
Spot vs. Nationwide Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Spot vs. Nationwide Pet Insurance: Key Takeaways
Spot provides more affordable pet insurance than Nationwide, with monthly premiums of $30 for middle-aged cats and $49 for middle-aged dogs, while Nationwide charges $52 and $101 respectively.
Spot ranks second nationally in customer experience for both cats and dogs, supported by a strong Trustpilot rating of 4.7 out of 5.0 stars, while Nationwide places fourth with 4.4 stars.
Spot ranks eighth nationwide for coverage compared to Nationwide's ninth place position, offering accident coverage after 14 days and optional wellness, dental, and alternative therapy add-ons.
Is Spot or Nationwide Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Spot | 9 | 14 |
| Coverage | Spot | 8 | 9 |
| Customer Experience | Spot | 2 | 4 |
| Overall Score | Spot | 6 | 14 |
Spot and Nationwide Comparison by State
Spot is the best pet insurance company in 4 states for dogs and 3 states for cats. The provider leads dog coverage in California, Florida, Maryland and West Virginia, while ranking first for cat insurance in California, Florida and Massachusetts.
Data filtered by:
Overall Score
Dog
| Alabama | Spot | 7 | 6 |
| Alaska | Spot | 8 | 5 |
| Arizona | Spot | 6 | 5 |
| Arkansas | Spot | 8 | 6 |
| California | Spot | 4 | 7 |
| Colorado | Spot | 6 | 5 |
| Connecticut | Spot | 7 | 4 |
| Delaware | Spot | 7 | 5 |
| Florida | Spot | 4 | 10 |
| Georgia | Spot | 7 | 6 |
| Hawaii | Spot | 8 | 4 |
| Idaho | Spot | 6 | 8 |
| Illinois | Spot | 6 | 6 |
| Indiana | Spot | 6 | 8 |
| Iowa | Spot | 6 | 8 |
| Kansas | Spot | 5 | 9 |
| Kentucky | Spot | 5 | 8 |
| Louisiana | Spot | 8 | 6 |
| Maine | Spot | 5 | 9 |
| Maryland | Spot | 4 | 10 |
| Massachusetts | Spot | 6 | 6 |
| Michigan | Spot | 6 | 7 |
| Minnesota | Spot | 7 | 6 |
| Mississippi | Spot | 6 | 7 |
| Missouri | Spot | 6 | 8 |
| Montana | Spot | 7 | 7 |
| Nebraska | Spot | 8 | 6 |
| Nevada | Spot | 5 | 9 |
| New Hampshire | Spot | 5 | 6 |
| New Jersey | Spot | 6 | 5 |
| New Mexico | Spot | 8 | 5 |
| New York | Spot | 7 | 5 |
| North Carolina | Spot | 6 | 7 |
| North Dakota | Spot | 7 | 7 |
| Ohio | Spot | 7 | 4 |
| Oklahoma | Spot | 5 | 9 |
| Oregon | Spot | 6 | 5 |
| Pennsylvania | Spot | 6 | 8 |
| Rhode Island | Spot | 7 | 7 |
| South Carolina | Spot | 5 | 8 |
| South Dakota | Spot | 6 | 8 |
| Tennessee | Spot | 7 | 7 |
| Texas | Spot | 6 | 8 |
| Utah | Spot | 7 | 5 |
| Vermont | Spot | 8 | 6 |
| Virginia | Spot | 6 | 6 |
| Washington | Spot | 5 | 9 |
| West Virginia | Spot | 4 | 10 |
| Wisconsin | Spot | 6 | 5 |
| Wyoming | Spot | 5 | 9 |
Spot vs. Nationwide Pet Insurance Cost
Spot offers more affordable pet insurance than Nationwide across most age groups for both cats and dogs. For middle-aged dogs, Spot costs $49 per month compared with Nationwide's $101. Middle-aged cats cost $30 with Spot versus $52 with Nationwide.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Spot | $14 | 58% |
| Young Cats | Spot | $19 | 49% |
| Puppies | Spot | $25 | 58% |
| Middle Aged Cats | Spot | $30 | 43% |
| Young Dogs | Spot | $32 | 54% |
| Middle Aged Dogs | Spot | $49 | 52% |
| Senior Cats | Nationwide | $57 | 21% |
| Senior Dogs | Nationwide | $99 | 17% |
Spot vs. Nationwide Pet Insurance Cost by State
Spot offers the cheapest pet insurance across most categories, leading in all 50 states for middle-aged dogs and cats. Nationwide only beats Spot's pricing for senior pets nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Spot | $36 | 52% |
| Alaska | Spot | $48 | 51% |
| Arizona | Spot | $59 | 51% |
| Arkansas | Spot | $33 | 51% |
| California | Spot | $61 | 52% |
| Colorado | Spot | $61 | 51% |
| Connecticut | Spot | $56 | 52% |
| Delaware | Spot | $49 | 52% |
| Florida | Spot | $55 | 52% |
| Georgia | Spot | $44 | 52% |
| Hawaii | Spot | $49 | 51% |
| Idaho | Spot | $49 | 52% |
| Illinois | Spot | $60 | 51% |
| Indiana | Spot | $44 | 52% |
| Iowa | Spot | $41 | 52% |
| Kansas | Spot | $44 | 52% |
| Kentucky | Spot | $39 | 52% |
| Louisiana | Spot | $39 | 51% |
| Maine | Spot | $59 | 52% |
| Maryland | Spot | $48 | 52% |
| Massachusetts | Spot | $63 | 52% |
| Michigan | Spot | $49 | 52% |
| Minnesota | Spot | $51 | 52% |
| Mississippi | Spot | $41 | 52% |
| Missouri | Spot | $38 | 52% |
| Montana | Spot | $41 | 52% |
| Nebraska | Spot | $44 | 51% |
| Nevada | Spot | $50 | 52% |
| New Hampshire | Spot | $56 | 52% |
| New Jersey | Spot | $55 | 52% |
| New Mexico | Spot | $43 | 52% |
| New York | Spot | $53 | 51% |
| North Carolina | Spot | $43 | 52% |
| North Dakota | Spot | $37 | 52% |
| Ohio | Spot | $45 | 51% |
| Oklahoma | Spot | $41 | 52% |
| Oregon | Spot | $61 | 51% |
| Pennsylvania | Spot | $51 | 52% |
| Rhode Island | Spot | $43 | 52% |
| South Carolina | Spot | $46 | 52% |
| South Dakota | Spot | $43 | 52% |
| Tennessee | Spot | $45 | 52% |
| Texas | Spot | $52 | 52% |
| Utah | Spot | $47 | 51% |
| Vermont | Spot | $45 | 51% |
| Virginia | Spot | $52 | 52% |
| Washington | Spot | $56 | 52% |
| West Virginia | Spot | $42 | 52% |
| Wisconsin | Spot | $52 | 51% |
| Wyoming | Spot | $45 | 52% |
Spot vs. Nationwide Pet Insurance Discounts
We know finding the right pet insurance discounts can make a real difference for households with more than one pet or those wanting extra perks. Here’s how Spot and Nationwide compare on discount options.
Save 10% off each additional pet’s premium when enrolling multiple pets. | Save around 5% for a second pet; up to 10% for four or more pets enrolled. | |
Bundling | None broadly documented. | May be available for existing policyholders bundling other insurance products. |
Annual Pay-In-Full | None broadly documented. | May vary by state/plan — check during quote. |
Association/Club Member | Discounts available for AAA members or via partner portals (e.g., up to 10%+ multi-pet). | Some group/association rates may apply based on employer or benefit plan. |
Employer Group | Some employer partner-discount programs offer up to ~10% or more based on employer partnership. | Available through selected employer benefit platforms for pet insurance as a voluntary benefit. |
Spot vs. Nationwide Pet Insurance Customer Experience
Spot delivers better customer experience than Nationwide, ranking second nationally for both dogs and cats compared to Nationwide's sixth-place position. Both providers maintain A+ BBB ratings, but Spot edges ahead with a 4.7 Trustpilot score versus Nationwide's 4.4 rating. This consistent performance across multiple rating platforms supports Spot's higher national ranking.
Spot vs Nationwide Trustpilot ratings
Spot earns a higher Trustpilot rating at 4.7 out of 5.0 stars compared to Nationwide's 4.4 out of 5.0. Both providers receive generally positive feedback from verified customers, with reviews highlighting responsive customer service and reliable claims processing. The ratings suggest strong customer satisfaction for both companies, with Spot holding a slight edge in overall user experience.
Spot vs Nationwide BBB ratings
Both Spot and Nationwide maintain A+ BBB ratings with full accreditation, demonstrating strong complaint handling and transparent business practices. Nationwide also holds an A+ rating with accreditation status. These identical ratings indicate both providers meet high standards for trustworthiness and ethical business operations.
Spot vs Nationwide Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found similar sentiment patterns between both providers. Spot received 45% positive feedback from 29 total comments (13 positive, 16 negative), while Nationwide achieved 43% positive sentiment from 14 comments (6 positive, 8 negative). Both companies show mixed but comparable customer perception on Reddit, with Spot holding a slight advantage in positive sentiment.
Spot vs. Nationwide Pet Insurance Coverage
Nationwide offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Nationwide has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $1,000 (varies) | $250 (typical) or customizable—varies by plan | |
$2,500; $3,000; $4,000; $5,000; $7,000; $10,000; Unlimited (varies) | $7,500 typical base (for some plans) or higher, depending on option | |
70%, 80%, 90% (varies) | 50%, 70% (per older plan documentation) | |
14 days for accidents/illness in many cases | About 14 days for most illness/accident coverage | |
Age restrictions | No upper age limit for many plans | Some upper age restrictions may apply depending on plan |
Not covered (for conditions present prior to policy) | Not covered—curable conditions may qualify after symptom-free period | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Nationwide Pet Insurance Add-ons
When you want broader financial protection beyond just accidents and illnesses, the wellness plan add-on options can make a difference. Here's how Spot and Nationwide compare.
Spot Pet Insurance Add-ons
Spot offers optional wellness and preventive care enhancements you can add to your base accident & illness plan.
- Wellness Add-On: Covers dental cleaning, vaccines, routine check-ups, microchipping, and may include spay/neuter or behavioural training depending on plan variation.
- Preventive Care Plan: Helps cover routine vet visits, blood tests, parasite screening and other wellness tasks as a separate layer of protection.
Nationwide Pet Insurance Add-ons
Nationwide offers modular plan configurations and optional wellness/routine-care riders for broader protection.
- Wellness Rider / Preventive Care Add-On: Helps cover routine care such as vaccines, dental cleaning, parasite prevention, and other wellness services.
- Modular Illness & Wellness Options: Pet parents can select illness and accident coverage plus add a wellness plan to cover routine care and exams for pets.
Spot vs. Nationwide Pet Insurance: Bottom Line
Spot beats Nationwide overall, winning in affordability, coverage options, and customer service quality. Spot offers more competitive rates at $49 per month for middle-aged dogs and $30 for cats. Their comprehensive coverage includes more treatment options and fewer restrictions than Nationwide's plans. Spot also delivers superior customer support, earning a 4.7 out of 5.0 Trustpilot rating and an A+ BBB rating compared to Nationwide's 4.4 Trustpilot score.
Spot vs. Nationwide Pet Insurance Comparison: FAQ
Compare Spot and Nationwide pet insurance through these common questions:
Which is cheaper: Spot vs Nationwide pet insurance?
Spot is cheaper than Nationwide for most pet categories, winning in 6 out of 8 age groups nationwide. Middle-aged cats cost $30 monthly with Spot versus Nationwide's $52. Middle-aged dogs show even bigger savings at $49 with Spot compared to Nationwide's $101. Only senior pets cost less with Nationwide.
Which has better customer service: Spot vs Nationwide pet insurance?
Spot delivers superior customer service, ranking second nationally for customer experience compared to Nationwide's sixth-place position. Spot maintains a 4.7 out of 5.0 Trustpilot score and an A+ BBB rating, while Nationwide holds a 4.4 Trustpilot rating and an A+ BBB grade. Spot consistently outperforms Nationwide across both dog and cat coverage categories.
Which offers better coverage: Spot vs Nationwide pet insurance?
Spot offers better coverage than Nationwide, ranking 8th nationally compared to Nationwide's 9th place ranking for both cats and dogs. Spot provides extensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while Nationwide focuses primarily on wellness plans. Both cover standard needs like diagnostics, medications, and chronic conditions, but Spot's broader selection delivers superior customization.
Can I switch from Spot vs Nationwide pet insurance or vice versa?
You can switch between Spot and Nationwide pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: typically 14 days for illnesses and 30 days for orthopedic conditions. Any conditions diagnosed under your previous policy will be considered pre-existing with your new insurer.
Does Spot vs Nationwide cover pre-existing conditions?
Neither Spot nor Nationwide covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Spot covers curable pre-existing conditions after your pet remains symptom-free for 180 days. Nationwide offers coverage for curable conditions after a 12-month waiting period without symptoms.
Can I get discounts with both Spot vs Nationwide pet insurance?
Yes, both Spot and Nationwide offer discounts to help reduce premium costs. Spot provides multiple discount options, including 10% off for multi-pet households and savings through employer group benefits programs. Nationwide offers fewer discount types but includes multi-pet discounts and potential savings for annual payment plans, making both providers viable options for cost-conscious pet owners.
What are the age limits for Spot vs Nationwide pet insurance?
Spot accepts pets of any age without upper enrollment limits, making it accessible for senior animals. Nationwide restricts enrollment for older pets, typically setting age limits between 10-14 years depending on the breed. This difference makes Spot the better option for owners with elderly pets seeking comprehensive coverage.
How We Scored Spot vs. Nationwide Pet Insurance
Our comparison of Spot and Nationwide pet insurance analyzed both providers under identical conditions and coverage scenarios. We obtained quotes using the same pet profiles and policy specifications to ensure fair evaluation.
• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage
MoneyGeek evaluated both companies using three weighted factors that matter most to pet owners.
Affordability (50% of score): We obtained quotes across different pet ages and coverage options to assess typical monthly premiums and calculate how available discounts affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and reviewed customer feedback to evaluate satisfaction with claims processing and customer support.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.