Head-to-Head Comparison
Nationwide vs. Figo
Fortune 100 legacy carrier vs. tech-forward newcomer
Our Verdict
Figo edges ahead for most pet owners with stronger overall value. Nationwide may be the better choice for owners who prioritize its specific strengths.
Which One Is Right For You?
Real-world scenarios where Nationwide or Figo comes out ahead, based on the categories where each wins.
If…
You have a high-risk breed prone to cancer, IVDD, or hip dysplasia where lifetime claims could exceed $30,000
Choose
Figo— the higher coverage limit gives more catastrophic protection
If…
You're on a tight budget with a young, healthy pet and want the lowest possible monthly premium
Choose
Figo— base premiums run noticeably lower for healthy young pets at comparable coverage tiers
If…
You just adopted a new puppy or kitten and want accident coverage to start as fast as possible
Choose
Figo— its short accident waiting period gets you covered before the first chaotic weeks are over
If…
You want a financially rock-solid underwriter that will reliably pay claims for the next 15+ years
Choose
Nationwide— backed by a higher-rated insurer with stronger long-term claim-paying capacity
If…
You want one policy that covers routine care like annual exams, vaccinations, and dental cleanings
Choose
Nationwide— its wellness coverage handles the predictable annual routine bills, not just emergencies
Frequently Asked Questions
Real answers comparing Nationwide and Figo on the questions buyers actually ask.
Nationwide
3.8/5
Exotic pets and Fortune 100 financial backing
Figo
3.9/5
100% reimbursement and tech-forward experience
Category-by-Category Breakdown
Coverage Limits
Nationwide
$10K annual
Figo
$5K–Unlimited
Figo offers superior coverage limits for catastrophic protection.
Monthly Premiums
Nationwide
$35–$100
Figo
$20–$80
Figo offers lower base premiums for most demographics.
Accident Waiting Period
Nationwide
14 days
Figo
1 day
Figo's 1 day accident waiting period is shorter.
Claims Speed
Nationwide
5–30 days
Figo
3–10 days
Both carriers have comparable claims processing times.
Financial Stability
Nationwide
Nationwide (A+ (Superior))
Figo
Independence American (A- (Excellent))
Nationwide's A+ (Superior) rating provides superior financial backing.
Wellness Coverage
Nationwide
Available
Figo
Not available
Nationwide offers wellness coverage; Figo does not.
Deductible Options
Nationwide
$250 only
Figo
$100–$1,500
Both carriers offer deductible options to fit different budgets.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
Nationwide is the establishment; Figo is the tech-forward challenger. Figo's 100% reimbursement option, 1-day accident waiting period, and Pet Cloud app represent a more modern approach to pet insurance. Nationwide's standard plans feel dated by comparison — lower coverage limits, longer waiting periods, and a less intuitive claims process.
Where Nationwide competes is on breadth: exotic pet coverage, wellness options on premium plans, and multi-policy discounts. Figo's ownership changes (Hartville acquisition) introduce some uncertainty, while Nationwide's Fortune 100 status provides unquestioned stability. For standard dog and cat coverage with a modern experience, Figo is the better product.
Nationwide is the choice for exotic pets, bundling discounts, or pet owners who prioritize brand stability above all else.
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