Nationwide vs. Figo Pet Insurance

Figo provides better pet insurance than Nationwide, ranking eighth nationally for cats and dogs compared to Nationwide's 11th and 14th positions, respectively. While Figo takes the lead against Nationwide in our analysis, your best choice may still change based on what matters most to you when insuring your pet.

• Affordability: Pet owners looking to minimize monthly premiums will save more with Figo, which ranks eighth for canine coverage and fifth for feline policies
• Customer Experience: If you value responsive claims handling and policyholder support over cost savings, Nationwide's stronger customer service make it worth considering, placing fourth nationally while Figo ranks seventh in our analysis.
• Coverage: Ranking fifth in coverage quality, Figo offers more comprehensive financial protection than Nationwide, which lags behind by four spots.

Learn more about the best pet insurance options for your pet across different situations:

Between Nationwide and Figo, the latter wins as the best pet insurance company in 50 states for dog owners and 49 states for cat owners, meaning pet owners in nearly every state will find better overall value with Figo's combination of affordability, coverage and customer service. Nationwide only takes the lead in Maryland for cat insurance.

Figo's pet insurance is more affordable than Nationwide's for kittens, puppies, and young and middle-aged pets, with kitten coverage providing up to 68% savings. Nationwide wins the senior category for both cats and dogs, offering rates up to 45% cheaper than Figo for aging pets.

Learn how much pet insurance costs across different age categories.

Figo consistently offers the cheapest pet insurance across most states and age groups compared to Nationwide, though Nationwide becomes more affordable for senior pets. Below, we break down how the two providers compare for each age category at the state level.

• Kittens: Figo costs $7 monthly in Arkansas compared to Nationwide's $22, saving you 69%. Pet owners insuring young cats will find Figo beats Nationwide in every state for this age group.
• Puppies: Arkansas delivers the lowest rates with Figo at $14 monthly versus Nationwide's $41, translating to 65% savings. Nationwide's puppy coverage runs more than double Figo's cost in the most affordable markets.
• Young Cats: Figo charges $10 monthly in Arkansas while Nationwide costs $26, giving you 58% savings. This pattern holds nationwide, making Figo the budget choice for cats under age seven.
• Young Dogs: Arkansas again offers the best value as Figo runs $20 monthly against Nationwide's $47, providing 57% savings. Both insurers price young dog coverage higher than young cat policies across all states.
• Middle-Aged Cats: Figo wins at $20 monthly in Arkansas compared to Nationwide's $36, saving 45%. The price gap narrows as cats age, signaling Nationwide's rates rise more slowly for older pets.
• Middle-Aged Dogs: Arkansas shows Figo at $35 monthly versus Nationwide's $67, offering 48% savings. Middle-aged dogs cost roughly double their feline counterparts regardless of which insurer you choose.
• Senior Cats: Nationwide flips the script at $38 monthly in Arkansas compared to Figo's $68, delivering 44% savings. This marks where Nationwide's senior-focused pricing becomes advantageous for aging cats.
• Senior Dogs: Nationwide costs $67 monthly in Arkansas while Figo charges $120, saving you 45%. Senior dog coverage represents the highest premiums from both insurers across every state analyzed.

Nationwide and Figo both offer three pet insurance discounts, matching at 5% savings for multiple pets. Figo also wins for Costco members with its 15% association discount and covers military families with 5% off, while Nationwide rewards existing customers and employer group plan members with 5% and 10% discounts respectively.

Nationwide delivers better customer experience than Figo, ranking fourth nationally for both pets while Figo is behind by three spots. Nationwide outperforms Figo across all the platforms we analyzed, from Trustpilot and the Better Business Bureau to Reddit, for its responsive and helpful customer service representatives.

Figo has better pet insurance coverage for dogs and cats than Nationwide, earning its fifth-place finish in our analysis for providing options for unlimited coverage and up to 100% reimbursement. Figo also has a shorter waiting period for accidents, plus it covers hereditary and congenital conditions in its base policy, while Nationwide requires you to purchase an optional add-on.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

If you want to expand your base coverage for more comprehensive financial protection, Nationwide offers two optional add-ons, while Figo has four.

• Wellness coverage: Provides coverage for physical exams, vaccines, heartworm or FeLV/FIV tests, deworming, microchipping and health certificates, with annual benefit amounts of either $450 or $800.
• Hereditary and Congenital Condition coverage: Extends coverage to include hereditary and congenital conditions such as hip dysplasia, patellar luxation, collapsed trachea and Wobblers syndrome.

• Wellness and Preventative Coverage: Depending on the tier, this add-on provides coverage for routine care, such as annual wellness exams, vaccines, fecal exams, deworming, blood work, spaying/neutering, microchipping and dental cleanings.
• Veterinary Exam Fees for Accident and Illness Visits: Covers vet exam fees related to eligible accidents or illnesses.
• Extra Care Pack: Reimburses the cost of advertising and reward for lost pet, boarding, vacation cancellation, third-party property damage liability and final respects (cremation/burial) assistance.
• Alternative Care, Rehabilitation and Physical Therapy Riders: Figo also offers add-ons for behavioral consultations, alternative therapies, rehabilitation or physical therapy.

Figo beats Nationwide for pet insurance overall, delivering better value through lower costs and more comprehensive coverage. Figo's pet insurance costs $52 per month for middle-aged dogs and $30 per month for cats, featuring options for unlimited coverage, up to 100% reimbursement and one-day accident period for accidents. However, However, Nationwide excels in providing stellar customer service, earning an A+ BBB rating and 4.4 out of 5.0 Trustpilot score for its responsive customer representatives.

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Compare Nationwide and Figo pet insurance through these common questions: