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Nationwide Pet Insurance vs. FIGO

Nationwide and FIGO are both excellent pet insurance providers but both are very different. Nationwide was the first pet insurance provider to enter the U.S. market and FIGO is one of the newest players in the space. Nationwide is a huge, multi-billion dollar insurance firm that is almost 100 years old. FIGO on the other hand is a scrappy, technology focused startup that was built for the millenial pet parent.

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Nationwide Pet Insurance Figo Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 65,509 9,289
Deductible: $100, $250, or $500 $250 or $500
Reimbursement: 50%, 70%, or 80% 70%, 80%, or 90%
Annual Limit: $10,000 - Unlimited $10,000 - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 Days 1 day*
Waiting Period for Illnesses: 14 Days 14 days
Waiting Period for Orthopedic Coverage: 14 Days* 6 months *
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Optional
Vet Restrictions: None None

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Nationwide vs. FIGO

Nationwide was the first insurance company in the U.S. company to sell policies for pets. FIGO is one of the newest companies to help pet parents keep vet expenses low. Although different, each provider has excellent coverage options at affordable rates.

Nationwide Details

  • Deductible: Nationwide insurance plans have a $250 annual deductible.
  • Reimbursement: Most Nationwide policies will reimburse you 90% of qualifying costs.
  • Emergency Care: Nationwide insurance covers emergency care.
  • Waiting Period for Accidents and Illnesses: Nationwide has a 14-day waiting period for accidents and illnesses.

FIGO Details

  • Deductible: FIGO deductibles range from $50 to $1,500.
  • Reimbursement: FIGO will reimburse you 70% to 100% of covered costs.
  • Emergency Care: FIGO covers emergency care.
  • Waiting Period for Accidents and Illnesses: FIGO has a 5-day waiting period for accidents and a 14-day waiting period for illnesses.

Pet Insurance Coverage From Nationwide and FIGO

Nationwide and FIGO policies cover many of the same vet services. Nationwide offers an optional wellness package that helps pay for regular veterinary visits.

Nationwide and FIGO Prices

Nationwide and FIGO have similar pet insurance prices. The amount you pay depends on factors like your pet’s health and the deductible you choose.

Should You Choose Nationwide or FIGO Pet Insurance?

Nationwide and FIGO could not be more different but both offer excellent coverage. But before you decide, get a free quote and compare prices from both companies!

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Nationwide Pet Insurance Enrollment Requirements

*Diagnosis or treatment of cruciate ligament or meniscus damage or rupture that occurs during the first 12 (twelve) calendar months that your pet is insured by us. You must maintain continuous coverage for your pet with us in order to avoid another twelve (12) month waiting period.

Six weeks minimum age and 10 years maximum for enrollment (includes lifetime coverage). A physical exam must have been completed within 12 months prior to enrollment.

Figo Pet Insurance Enrollment Requirements

  • There is a 6-month waiting period for both hip dysplasia and orthopedic conditions. Both can be waived if the exam/waiver form is completed by a veterinarian within the first 30 days of the policy period and there are no pre-existing issues.