Based on MoneyGeek's analysis, Spot outranks Nationwide in pet insurance. Spot places second for cats and sixth for dogs, while Nationwide ranks 11th for cats and 14th for dogs. Spot also outperforms Nationwide across affordability, customer experience and coverage, making it the better choice for lower premiums, stronger service and more comprehensive financial protection.
Spot vs. Nationwide Pet Insurance
Updated: March 16, 2026
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Spot vs. Nationwide Pet Insurance: Key Takeaways
Spot offers cheaper pet insurance than Nationwide. Monthly premiums for middle-aged cats run $30 through Spot versus $52 through Nationwide; for middle-aged dogs, Spot charges $49 compared to Nationwide's $101.
Spot wins against Nationwide in customer experience, backed with a 4.7 out of 5 Trustpilot score and A+ BBB rating on Reddit for its fast claim processing and easy-to-use app.
Spot provides broader coverage for pet insurance, including hereditary and congenital conditions in its standard policy, while Nationwide charges extra.
Is Spot or Nationwide Pet Insurance Better?
Data filtered by:
Overall Score
| Cat | Spot | 2 | 11 |
| Dog | Spot | 6 | 14 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Spot and Nationwide Comparison by State
Spot ranks as the best pet insurance company for both dogs and cats across the country, beating Nationwide in all 50 states.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Spot vs. Nationwide Pet Insurance Cost
Spot beats Nationwide on pet insurance cost for puppies, kittens and young to middle-aged pets, with puppy and kitten coverage offering the highest savings at 58%. For senior pets, Nationwide wins: it saves you 17% on senior dogs and 21% on senior cats compared to Spot.
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| 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% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Spot vs. Nationwide Pet Insurance Cost by State
Spot consistently offers the cheapest pet insurance in all 50 states for kittens, puppies, young cats, young dogs, middle-aged cats and middle-aged dogs. Meanwhile, Nationwide wins for senior cats and senior dogs across the country.
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% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Spot vs. Nationwide Pet Insurance Discounts
Spot and Nationwide both offer three pet insurance discounts, with similar savings for employer group plans at 10%. However, Spot wins for multi-pet households with 10% off each additional pet compared to Nationwide's 5%. Spot also offers 10% for AAA and Blue Cross Blue Shield members, while Nationwide rewards existing insurance customers buying pet insurance with 5% savings.
Multiple pets | Save 10% off each additional pet’s premium when enrolling multiple pets. | Get 5% off when you insure two or more pets. |
Association | Members of American Automobile Association (AAA) and Blue Cross Blue Shield receive 10% discount. | None. |
Employer group plan | Get 10% off for joining a participating employer's group plan. | Receive 10% off when coverage is purchased through an employer benefit program. |
Existing customer | None. | Existing Nationwide insurance customers receive 5% discount when they buy pet insurance. |
Spot vs. Nationwide Pet Insurance Customer Experience
Spot provides better customer experience than Nationwide, finishing second in our national ranking compared to Nationwide's fourth place. While both companies maintain A+ ratings from the Better Business Bureau, Spot edges ahead with a higher Trustpilot score and stronger positive feedback on Reddit.
Spot vs Nationwide Trustpilot ratings
Spot earns a higher Trustpilot rating of 4.7 out of 5 compared to Nationwide's 4.4 out of 5. Spot customers praise fast claim processing (often within a week) and easy mobile app submissions, though some complain about pre-existing condition denials, while Nationwide reviewers highlight helpful customer service representatives and clear coverage information but note occasional delays in reimbursement timing.
Spot vs Nationwide BBB ratings
Spot maintains an A+ BBB rating with full accreditation, which is equal to Nationwide's A+ rating with accreditation status. The A+ rating is the highest possible grade reflecting strong business practices and customer complaint resolution. Spot earned BBB accreditation in May 2020 and has been in business for six years, while Nationwide has maintained its A+ rating since September 1955 with 100 years of operation.
Spot vs Nationwide Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Spot holds 45% positive feedback from 29 total comments (13 positive, 16 negative), while Nationwide earns 43% positive sentiment from 14 comments (six positive, eight negative). Spot users praise quick claims processing and easy mobile app submissions but criticize pre-existing condition denials and slow support responses, while Nationwide customers highlight responsive service representatives and clear policy terms yet complain about claim denials and coverage restrictions.
Spot vs. Nationwide Pet Insurance Coverage
Spot provides broader pet insurance coverage for dogs and cats, leading ahead of Nationwide by one spot. Spot outperforms Nationwide by including hereditary and congenital conditions in its base coverage, plus it has no upper age restrictions for enrollment.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | Only provides coverage through an optional add-on |
Congenital conditions | ✓ | Only provides coverage through an optional add-on |
Chronic conditions | ✓ | ✓ |
✓ | Only provides coverage through an optional add-on | |
$100, $250, $500, $750, $1,000 | $250, $500, $1,000 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $2,500, $5,000, $10,000 | |
70%, 80%, 90% | 50%, 70%, 80% | |
14 days for accidents, illnesses and orthopedic conditions | Two days for accidents, 14 days for illnesses, 12 months for cruciate ligament conditions | |
Age restrictions | No upper age limit for enrollment | Cats aged 8 years old and above are not eligible for hereditary coverage |
Pre-existing conditions | Curable pre-existing conditions may be covered after 180 symptom-free days | Curable pre-existing conditions may qualify for coverage if cured and symptom-free for six months |
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
Spot offers an optional wellness add-on that helps cover routine care. Depending on whether you choose the Gold or Platinum tier, it can include dental cleanings, annual exams, vaccinations, deworming, spaying/neutering, health certificates, urinalysis, bloodwork and flea and heartworm prevention.
Nationwide takes a different approach with two separate add-ons:
- Wellness coverage: Helps pay for preventive services such as physical exams, vaccines, heartworm or FeLV/FIV testing, deworming, microchipping and health certificates. Annual benefit limits are either $450 or $800, based on the level selected.
- Hereditary and Congenital Condition coverage: Extends protection to inherited and congenital issues, including hip dysplasia, patellar luxation, collapsed trachea and Wobbler syndrome.
Spot vs. Nationwide Pet Insurance: Bottom Line
Spot edges out Nationwide on overall pet insurance value, with advantages in affordability, customer experience and coverage. Monthly rates are $49 for middle-aged dogs and $30 for cats. Its base policy covers hereditary and congenital conditions with no upper age limits for enrollment. Spot holds an A+ BBB rating and a 4.7 out of 5 Trustpilot score, backed by fast claims processing and a user-friendly app.
Here are other major pet insurance companies to help you find the right fit for your pet:
Spot vs. Nationwide Pet Insurance Comparison: FAQ
Compare Spot and Nationwide pet insurance through these common questions:
Which is better: Spot or Nationwide pet insurance?
Spot offers better pet insurance than Nationwide overall, ranking second nationally for cats and sixth for dogs compared to Nationwide's 11th and 14th place finishes. Spot also beats Nationwide across affordability, coverage and customer experience, with lower premiums, faster claims processing and broader financial protection.
How do Spot and Nationwide pet insurance plans compare in coverage?
Spot offers better coverage than Nationwide, ranking eighth nationally compared to Nationwide's ninth place ranking for both cats and dogs. Spot provides coverage for hereditary and congenital conditions in its base policy, while Nationwide requires you to purchase an optional add-on. Spot also has no upper age limits for enrollment, whereas Nationwide excludes hereditary coverage for cats aged 8 and above.
Is Spot pet insurance cheaper than Nationwide?
Spot offers cheaper pet insurance than Nationwide for puppies, kittens, young pets and middle-aged pets, with savings up to 58% for puppies. Nationwide becomes more affordable for senior pets, with rates 21% lower for senior cats and 17% lower for senior dogs.
Do Spot and Nationwide pet insurance cover pre-existing conditions?
Spot may cover curable pre-existing conditions after your pet remains symptom-free for 180 days. Similarly, Nationwide offers coverage for curable conditions after a six-month waiting period without symptoms.
Which pet insurance is better for older pets: Spot or Nationwide?
Nationwide offers lower pet insurance rates for senior pets, with senior cat owners saving 21% and senior dog owners saving 17%. That said, Spot provides broader coverage for older pets, with no upper age restrictions for enrollment.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- Trustpilot. "Spot Pet Insurance ." Accessed March 24, 2026.
- Trustpilot. "Nationwide Pet Insurance ." Accessed March 24, 2026.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed March 24, 2026.
- Better Business Bureau. "Nationwide." Accessed March 24, 2026.