Nationwide vs. Figo Pet Insurance

Figo provides better pet insurance than Nationwide, ranking eighth nationally for both cats and dogs, while Nationwide places 11th for cats and 14th for dogs. 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 both providers compare by age at the state level.

• Kittens: Figo costs $7 per month in Arkansas compared to Nationwide’s $22, a 69% difference. Pet owners covering young cats will see Figo priced lower than Nationwide in every state for this age group.
• Puppies: Arkansas shows Figo at $14 per month versus Nationwide’s $41, a 65% gap. In many of the lowest-cost states, Nationwide’s puppy plans cost more than twice as much as Figo’s.
• Young Cats: Figo lists $10 per month in Arkansas while Nationwide comes in at $26, creating a 58% difference. This trend continues nationwide, making Figo the lower-cost choice for cats under age seven.
• Young Dogs: In Arkansas, Figo runs $20 per month compared to Nationwide’s $47, a 57% spread. Both insurers price young dog coverage higher than young cat policies across all states.
• Middle-Aged Cats: Figo averages $20 per month in Arkansas versus $36 with Nationwide, a 45% gap. The difference narrows as cats age, suggesting Nationwide’s increases are more gradual over time.
• Middle-Aged Dogs: Arkansas shows Figo at $35 per month compared to Nationwide’s $67, a 48% difference. Middle-aged dogs cost roughly double their feline counterparts regardless of the provider.
• Senior Cats: Nationwide lists $38 per month in Arkansas while Figo comes in at $68, a 44% difference in Nationwide’s favor. This is where Nationwide’s pricing becomes more competitive for older cats.
• Senior Dogs: Nationwide costs $67 per month in Arkansas compared to Figo’s $120, a 45% gap. Senior dog coverage carries the highest premiums from both insurers across every state analyzed.

Nationwide and Figo each list three pet insurance discounts, including a 5% multi-pet discount. Figo extends savings to Costco members with a 15% association discount and gives military families 5% off. Nationwide, on the other hand, gives 5% to existing customers and 10% to employer group plan members.

Nationwide ranks ahead of Figo for customer experience, placing fourth nationally for both pets while Figo trails by three spots. Across the platforms we reviewed, including Trustpilot, the Better Business Bureau and Reddit, Nationwide earns stronger feedback 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 ranks ahead of Nationwide for pet insurance overall, with lower monthly costs and broader coverage options. Figo’s plans average $52 per month for middle-aged dogs and $30 per month for cats, with choices that include unlimited coverage, up to 100% reimbursement and a one-day accident waiting period. Nationwide, however, earns stronger marks for customer service, holding an A+ rating from the Better Business Bureau and a 4.4 out of 5 score on Trustpilot for its responsive representatives.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Nationwide and Figo pet insurance through these common questions: