Key Differences
Figo’s accident waiting period is shorter than Nationwide’s.
Nationwide has a fixed maximum annual limit, Figo’s is configurable.
Figo’s reimbursement rate is up to 100% for some plans, Nationwide’s is up to 70%.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Figo and Nationwide offer.
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 |
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
11,135 |
78,359 |
Deductible: |
$100, $250, $500, or $750 |
$250, $500, or $1,000 |
Reimbursement: |
70%, 80%, 90%, or 100%** |
50%, 60%, or 70% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
1 day* |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
1 day |
Orthopedic Waiting Period: |
6 months |
12 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Limited Coverage |
Exam Fee Coverage: |
Additional Cost |
Optional |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 180 days of treatment |
Within 365 days of the date of treatment* |
Claims Submission App: |
Yes |
No |
Figo Accident and Illness Coverage
Figo offers three different plans with varying levels of coverage: Popular, Higher Coverage, and Value Plus. With Figo, you also have the option to configure your annual coverage, reimbursement percentage, and deductible to create a custom plan that fits your needs and budget.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, 90%, 100%*
Annual Limit Options
$5,000, $10,000, or Unlimited Annual Limit
What's Covered
Here's what is covered in each plan Figo offers.
Popular
This plan covers 80% of approved medical costs of up to $10,000 a year after you meet a $250 deductible.
Accidents
Cancer Coverage
Chronic Conditions
Dental Care (Non-Routine)
Diagnostic Tests and Imaging
Emergency Care
Euthanasia
Hereditary Conditions
Holistic and Alternative Treatments
Illnesses
Orthopedic Conditions
Prescription Medications
Rehabilitation and Mobility Devices
Surgery
Higher Coverage
Everything listed in the Popular plan is covered. The difference is that the Higher Coverage plan covers 90% of approved medical costs with no annual coverage limit after you meet a $500 deductible.
Value Plus
Everything listed in the Popular plan is covered. The difference is that the Value Plus plan covers 70% of approved medical costs of up to $10,000 a year after you meet a $500 deductible.
Custom
Everything listed in the Popular is covered. The difference is that with a custom plan, you can configure your annual coverage limit, reimbursement, and deductible to fit your budget.
Optional Add-Ons
Figo does not cover vet exam fees for accidents and illnesses, including telehealth consultations unless you add it to a main insurance plan. Additionally, routine care is not covered in the main insurance plans but can be added on.
Vet Exam Fees
This add-on enables reimbursement for exam and consultation fees related to accidents and illnesses.
Wellness Coverage
This add-on covers you up to the annual limit that Figo will reimburse you per year on each eligible expense.
Wellness Exams - $40 annual limit
Vaccines -$50 annual limit
Flea, Tick, and Heartworm
Heartworm Preventative
Rabies
DHLP (Distemper, Hepatitis, Leptospirosis, Parainfluenza)
Parvovirus/Corona
Bordetella
Lyme
Canine Influenza
FVRCP (Feline Viral Rhinotracheitis, Calicivirus, Panleukopenia)
Leukemia
FIP (Feline Infectious Peritonitis)
Other Vaccines as approved for general use by AVMA (American Veterinary Medical Association), or equivalent industry regulating entity
Spay/Neuter or Teeth Cleaning - $75 annual limit
Tests - $45 annual limit
Blood Panel
Heartworm Test
Fecal Test
Urinalysis Test
FeLV Test (Feline Leukemia Virus)
Microchip / Health Certificate - $30 annual limit
Deworming - $10 annual limit
* 100% reimbursement is available with deductibles of $500 and $750 but is not available with an unlimited annual limit.
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 Figo and Nationwide.
Figo Claims Details
Figo Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with Figo Pet Cloud
Most claims are processed within 3 business days
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 Figo vs. Nationwide Review
Figo and Nationwide offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both insurers offer an optional wellness coverage add-on to their base plan. You can configure the reimbursement rate and deductible of Nationwide’s plans, but the maximum annual limit is fixed. Figo offers reimbursement, deductible, and annual limit options to choose from to customize your coverage and price. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
