Figo offers better pet insurance coverage than Nationwide for both dogs and cats, ranking fifth nationally while Nationwide ranks ninth. Figo provides more flexible deductible options ranging from $100 to $750, higher annual limits up to unlimited coverage, and shorter accident waiting periods of just 1 day compared to Nationwide's 14-day wait, plus allows policy adjustments within 30 days of enrollment.
Nationwide vs. Figo Pet Insurance
Updated: November 3, 2025
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Nationwide vs. Figo Pet Insurance: Key Takeaways
Figo provides more affordable pet insurance rates, charging $30 monthly for middle-aged cats and $52 for dogs, while Nationwide's rates are higher at $52 monthly for cats and $101 for dogs.
Nationwide ranks fourth nationally in customer experience with a Trustpilot score of 4.4 out of 5.0 stars, outperforming Figo's seventh place ranking and 3.9 star rating.
Figo offers stronger coverage options, ranking fifth nationwide compared to Nationwide's ninth place position, with a one-day accident waiting period and wellness rider options.
Is Nationwide or Figo Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Figo | 8 | 14 |
| Coverage | Figo | 5 | 9 |
| Customer Experience | Nationwide | 4 | 7 |
| Overall Score | Figo | 8 | 14 |
Nationwide and Figo Comparison by State
Figo is the best pet insurance company in 3 states for cats and 2 states for dogs. Figo leads cat coverage in Arkansas, Nebraska and Vermont, while dominating dog insurance in Iowa and New Jersey. Nationwide ranks first for cats only in Maryland.
Data filtered by:
Overall Score
Dog
| Alabama | Figo | 8 | 5 |
| Alaska | Figo | 6 | 7 |
| Arizona | Figo | 7 | 4 |
| Arkansas | Figo | 5 | 9 |
| California | Figo | 9 | 2 |
| Colorado | Figo | 8 | 3 |
| Connecticut | Figo | 8 | 3 |
| Delaware | Figo | 8 | 4 |
| Florida | Figo | 8 | 6 |
| Georgia | Figo | 6 | 7 |
| Hawaii | Figo | 5 | 7 |
| Idaho | Figo | 8 | 6 |
| Illinois | Figo | 9 | 3 |
| Indiana | Figo | 8 | 6 |
| Iowa | Figo | 4 | 10 |
| Kansas | Figo | 8 | 6 |
| Kentucky | Figo | 8 | 5 |
| Louisiana | Figo | 7 | 7 |
| Maine | Figo | 10 | 4 |
| Maryland | Figo | 9 | 5 |
| Massachusetts | Figo | 9 | 3 |
| Michigan | Figo | 8 | 5 |
| Minnesota | Figo | 6 | 7 |
| Mississippi | Figo | 9 | 4 |
| Missouri | Figo | 8 | 6 |
| Montana | Figo | 8 | 6 |
| Nebraska | Figo | 5 | 9 |
| Nevada | Figo | 8 | 6 |
| New Hampshire | Figo | 7 | 4 |
| New Jersey | Figo | 4 | 7 |
| New Mexico | Figo | 6 | 7 |
| New York | Figo | 8 | 4 |
| North Carolina | Figo | 9 | 4 |
| North Dakota | Figo | 8 | 6 |
| Ohio | Figo | 8 | 3 |
| Oklahoma | Figo | 9 | 5 |
| Oregon | Figo | 9 | 2 |
| Pennsylvania | Figo | 9 | 5 |
| Rhode Island | Figo | 8 | 6 |
| South Carolina | Figo | 9 | 4 |
| South Dakota | Figo | 8 | 6 |
| Tennessee | Figo | 8 | 6 |
| Texas | Figo | 8 | 6 |
| Utah | Figo | 8 | 4 |
| Vermont | Figo | 5 | 9 |
| Virginia | Figo | 9 | 3 |
| Washington | Figo | 8 | 6 |
| West Virginia | Figo | 6 | 8 |
| Wisconsin | Figo | 8 | 3 |
| Wyoming | Figo | 6 | 8 |
Nationwide vs. Figo Pet Insurance Cost
Figo offers more affordable pet insurance than Nationwide across most age groups for cats and dogs. Middle-aged dogs cost $52 per month with Figo compared with Nationwide's $101 per month. For cats, it's $30 with Figo versus $52 with Nationwide.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Figo | $10 | 68% |
| Young Cats | Figo | $16 | 56% |
| Puppies | Figo | $21 | 65% |
| Young Dogs | Figo | $30 | 57% |
| Middle Aged Cats | Figo | $30 | 43% |
| Middle Aged Dogs | Figo | $52 | 48% |
| Senior Cats | Nationwide | $57 | 44% |
| Senior Dogs | Nationwide | $99 | 45% |
Nationwide vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance across all states for younger pets, including middle-aged dogs and cats. Nationwide only beats Figo's pricing for senior dogs and cats nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Figo | $39 | 48% |
| Alaska | Figo | $51 | 48% |
| Arizona | Figo | $64 | 48% |
| Arkansas | Figo | $35 | 48% |
| California | Figo | $66 | 48% |
| Colorado | Figo | $66 | 48% |
| Connecticut | Figo | $60 | 48% |
| Delaware | Figo | $52 | 48% |
| Florida | Figo | $59 | 48% |
| Georgia | Figo | $47 | 48% |
| Hawaii | Figo | $53 | 48% |
| Idaho | Figo | $52 | 48% |
| Illinois | Figo | $65 | 48% |
| Indiana | Figo | $47 | 48% |
| Iowa | Figo | $44 | 49% |
| Kansas | Figo | $47 | 48% |
| Kentucky | Figo | $41 | 48% |
| Louisiana | Figo | $42 | 48% |
| Maine | Figo | $64 | 48% |
| Maryland | Figo | $52 | 48% |
| Massachusetts | Figo | $67 | 48% |
| Michigan | Figo | $52 | 48% |
| Minnesota | Figo | $54 | 48% |
| Mississippi | Figo | $45 | 48% |
| Missouri | Figo | $41 | 48% |
| Montana | Figo | $44 | 48% |
| Nebraska | Figo | $47 | 48% |
| Nevada | Figo | $54 | 48% |
| New Hampshire | Figo | $61 | 48% |
| New Jersey | Figo | $59 | 48% |
| New Mexico | Figo | $46 | 48% |
| New York | Figo | $57 | 48% |
| North Carolina | Figo | $47 | 48% |
| North Dakota | Figo | $40 | 48% |
| Ohio | Figo | $48 | 48% |
| Oklahoma | Figo | $44 | 48% |
| Oregon | Figo | $65 | 48% |
| Pennsylvania | Figo | $55 | 48% |
| Rhode Island | Figo | $45 | 48% |
| South Carolina | Figo | $49 | 48% |
| South Dakota | Figo | $46 | 48% |
| Tennessee | Figo | $48 | 48% |
| Texas | Figo | $55 | 48% |
| Utah | Figo | $50 | 48% |
| Vermont | Figo | $49 | 48% |
| Virginia | Figo | $56 | 48% |
| Washington | Figo | $60 | 48% |
| West Virginia | Figo | $45 | 48% |
| Wisconsin | Figo | $56 | 48% |
| Wyoming | Figo | $48 | 48% |
Nationwide vs. Figo Pet Insurance Discounts
We recognize that finding value in pet insurance goes beyond just coverage — it’s also about savings. Both Nationwide and Figo provide pet insurance discounts to help improve your pet’s financial protection without lowering benefit levels.
Save 5% when you add a second pet; potentially up to 10% or more with multiple pets. | Not clearly listed as a standard multi-pet discount across all states; discount may vary by partner or promotion. | |
Bundling | Current Nationwide policyholders (e.g., auto/home) may qualify for a pet policy discount. | Not prominently advertised as a bundling discount with other non-pet insurance products. |
Annual Pay-In-Full | May be offered depending on state and plan selection—check quote details. | May vary by plan/region; not prominently advertised as a core discount. |
Association/Club Member | Certain association or membership groups may qualify for a preferred price or discount pricing under employer/organization-based programs. | Promotional discounts (e.g., Costco members) have been reported, but vary significantly and may not be available in all states. |
Employer Group | Available as a voluntary benefit via employer programs, which may provide preferred pricing for employees. | Not emphasised as a standard employer-group discount program. |
Nationwide vs. Figo Pet Insurance Customer Experience
Nationwide delivers better customer experience than Figo, ranking fourth nationally for both dogs and cats compared to Figo's position seven spots lower. Nationwide maintains consistent quality with an A+ BBB rating and strong Trustpilot performance, while Figo shows weaker results across both platforms with a B BBB rating and lower customer satisfaction scores.
Nationwide vs Figo Trustpilot ratings
Nationwide earns a higher Trustpilot rating at 4.4 out of 5.0 compared to Figo's 3.9 out of 5.0. Verified customer reviews show Nationwide users appreciate reliable claims processing, while Figo customers highlight the mobile app experience but note service inconsistencies.
Nationwide vs Figo BBB ratings
Nationwide holds an A+ BBB rating with full accreditation, while Figo maintains a B rating and is also accredited. These ratings reflect Nationwide's stronger complaint resolution and business transparency compared to Figo's mixed customer service record.
Nationwide vs Figo Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Nationwide received 43% positive sentiment from 14 total comments, while Figo achieved 17% positive sentiment from 12 comments. User feedback indicates Nationwide performs better overall, with pet owners praising comprehensive coverage options compared to Figo's more mixed reception regarding claim denials.
Nationwide vs. Figo Pet Insurance Coverage
Figo offers better pet insurance coverage for dogs and cats than Nationwide, ranking sixth nationally while Nationwide ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Figo has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (via wellness add-on) | ✓ (via routine care add-on “Powerups”) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$250 typical base; varies by plan. | Custom deductible options depending on plan selection. | |
Examples: $2,500 to $10,000+ depending on plan. | Offers $5,000, $10,000, and even unlimited annual limits. | |
Up to ~80%; varies by plan. | Generally up to ~90% depending on plan choice. | |
Standard waiting periods apply; specific periods vary by state and condition. | Waiting periods vary by plan; some plans indicate short periods for accidents. | |
Age restrictions | Many plans restrict new enrollment to pets under a certain age (varies by state). | No upper age limit listed for accident/illness in many states; enrollment often flexible. |
Excluded for both chronic and curable conditions. | Offers coverage for curable pre-existing conditions (if symptom-free for a given period) in some states. | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Nationwide vs. Figo Pet Insurance Add-ons
When you want more routine or preventive care beyond standard illness and accidents, both providers let you customize your policy with wellness plan add-on features.
Nationwide Pet Insurance Add-ons
- Wellness plan add-on: Offers routine care coverage such as check-ups, vaccines, blood tests, [flea/heartworm prevention], dental cleaning with annual benefit options (e.g., $450 or $800).
- Modular plan riders: Optional enhancements to base accident/illness plans, including added coverage for hereditary/ congenital conditions or optional high-limit accident/illness protection.
Figo Pet Insurance Add-ons
- Wellness Powerup: Covers routine care services such as exams, vaccines, spay/neuter, dental cleaning, blood tests and parasite prevention under a separate add-on for an additional monthly fee.
- Exam fee coverage and additional benefits: Optional coverage for veterinarian exam fees and specialized care or services beyond the standard accident/illness base plan.
Nationwide vs. Figo Pet Insurance: Bottom Line
Figo beats Nationwide overall, delivering better value through lower costs and more comprehensive coverage options. Figo charges $52 per month for middle-aged dogs and $30 for cats, making it the more affordable choice for most pet owners. Figo also provides broader coverage options for various conditions and treatments. However, Nationwide excels in customer service, earning an A+ BBB rating and 4.4 out of 5.0 Trustpilot score for superior support quality.
Nationwide vs. Figo Pet Insurance Comparison: FAQ
Compare Nationwide and Figo pet insurance through these common questions:
Which is cheaper: Nationwide vs Figo pet insurance?
Figo offers cheaper pet insurance rates than Nationwide for most age groups across all 50 states. Middle-aged cats cost $30 monthly with Figo versus Nationwide's $52. Middle-aged dogs show even larger savings at $52 per month compared to Nationwide's $101. However, Nationwide becomes more affordable for senior pets.
Which has better customer service: Nationwide vs Figo pet insurance?
Nationwide delivers superior customer service, ranking fourth nationally for customer experience while Figo trails significantly behind. Nationwide maintains an A+ BBB rating and scores 4.4 out of 5.0 on Trustpilot, compared to Figo's B BBB rating and 3.9 Trustpilot score. This performance gap spans both dog and cat coverage options.
Which offers better coverage: Nationwide vs Figo pet insurance?
Figo offers better coverage than Nationwide, ranking 5th nationally compared to Nationwide's 9th-place ranking for both cats and dogs. Figo provides extensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while Nationwide focuses primarily on wellness plans. Both insurers cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Figo's broader selection of optional benefits allows more customization for your pet's specific needs.
Can I switch from Nationwide vs Figo pet insurance or vice versa?
Yes, you can switch from Nationwide to Figo or vice versa at any time by purchasing a new policy and canceling your current coverage. However, new waiting periods will apply: typically 14 days for illnesses and up to 30 days for orthopedic conditions. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Nationwide vs Figo cover pre-existing conditions?
Both Nationwide and Figo exclude pre-existing conditions from coverage initially. However, Nationwide may cover curable pre-existing conditions after your pet remains symptom-free for 12 months. Figo takes a stricter approach and generally does not provide coverage for any pre-existing conditions, even after symptom-free periods.
Can I get discounts with both Nationwide vs Figo pet insurance?
Yes, both Nationwide and Figo offer discounts to help reduce premium costs. Nationwide provides multiple discount options, including savings for military members, veterinary professionals, and multi-pet households. Figo offers fewer discount programs but includes multi-pet discounts and annual payment savings. Both companies provide meaningful opportunities to lower your pet insurance costs through their respective programs.
What are the age limits for Nationwide vs Figo pet insurance?
Figo accepts pets of any age without enrollment limits, making it excellent for senior animals. Nationwide restricts enrollment for older pets, typically cutting off coverage between ages 10-14 depending on the breed. This age restriction significantly limits options for senior pet owners seeking new insurance coverage.
How We Scored Nationwide vs. Figo Pet Insurance
Our analysis of Nationwide versus Figo pet insurance involved gathering quotes and policy details using matching pet profiles and coverage parameters. Both providers were assessed under identical conditions using these standardized specifications:
• $5,000 annual limit • 80% reimbursement rate • $500 deductible • 6-year-old Labrador Retriever for dog coverage • 7-year-old Ragdoll for cat coverage
MoneyGeek evaluated both companies using three primary factors, each weighted based on importance to pet owners:
Affordability (50% of score): We obtained quotes across different pet ages and coverage options to analyze typical monthly premiums and calculate how available discounts affect actual costs.
Customer Experience (30% of score): We examined Trustpilot ratings and conducted sentiment analysis of customer reviews to assess satisfaction with claims processing and customer service.
Coverage (20% of score): We analyzed policy features including waiting periods, available add-ons and overall protection scope to determine which provider offers more comprehensive coverage options.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.