Head-to-Head Comparison
Nationwide vs. Figo
Fortune 100 legacy carrier vs. tech-forward newcomer
Last updated: March 2026 | Compared by Mike (AAI, PRC, SBCS, CCIC)
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.
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.
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