When selecting the greatest pet insurance coverage on your furry good friend, two outstanding names usually come up are Figo and Nationwide Pet Insurance coverage. Each corporations supply complete protection choices designed to supply peace of thoughts in case of surprising veterinary prices. Nonetheless, they differ in a number of key areas, akin to coverage choices, protection and exclusions, and total worth. Figo, recognized for its aggressive charges, gives extra complete dental protection and customizable plans, whereas Nationwide, a longstanding supplier within the insurance coverage world, affords a singular profit schedule fashion plan and protection for birds, rabbits, and reptiles. On this comparability, we’ll discover the strengths and weaknesses of every supplier that will help you decide which one most closely fits your pet’s wants.
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| Star Score | 4.9/5.0 | 3.9/5.0 |
| Finest | Worth | Unique Pets |
| Yr Based | 2013 | 1982 (as VPI); 2015 (as Nationwide) |
| Buyer Help | Textual content, Cellphone, Electronic mail, Fax, Stay Chat | Cellphone, Stay Chat, Electronic mail |
| Underwriters | Independence American Insurance coverage Firm, Markel American Insurance coverage Firm, Markel Insurance coverage Firm | Nationwide Casualty Firm Veterinary Pet Insurance coverage Firm in CA |
| A.M. Finest Score* | A-, A, A | A+ |
| Demotech Score* | Not Rated | Not Rated |
| Declare Processing Common | 3 Days | 10-14 Days |
| Reimburse Vets Instantly | No | No |
| Payout Limits | $5,000 to Limitless | Restricted Per Situation to $10,000 |
| Deductibles | $100 to $750 | $250 to $1,000 |
| Reimbursement Charges | 70% to 100% | 50% to 90% |
| One-Time Charges | $15 (not in all states) | No |
| Accident Ready Interval | 1 Day | 14 Days |
| Sickness Ready Interval | 14 Days | 14 Days |
| Hip Dysplasia Ready Interval | 6 Months | 14 Days |
| Cruciate Ligament Ready Interval | 6 Months | 12 Months |
| Enrollment Ages | 8 Weeks & Older | 8 Weeks to 10 Years For Sickness |
| Preventative Plan | Sure | Sure |
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Protection Comparability
Figo affords one accident and sickness pet insurance coverage coverage, whereas Nationwide has two. Each insurance policies can be found in all 50 states.
Plans cowl new accidents and diseases, together with testing and therapy for the situations. Each corporations cowl emergency care, surgical procedure and hospitalization, specialised exams and specialty care, X-rays, blood checks, ultrasounds, CT scans, MRIs, rehabilitation, most cancers, continual situations, hereditary situations, congenital situations, non-routine dental therapy, prescription medicines, and extra. Neither insurer covers pre-existing situations, being pregnant, breeding, or pointless beauty procedures (e.g., tail docking, dew claw elimination, ear cropping).
Examples of lined situations from each suppliers’ base pet insurance coverage insurance policies embody most cancers, hip dysplasia, allergy symptoms, canine cruciate ligament (CCL) tears, continual situations, hereditary situations, and congenital situations. Nonetheless, if signs for a situation had been current earlier than enrollment or in the course of the insurer’s ready durations, the situation shouldn’t be lined and might be excluded from the coverage.
Figo has a 1-day ready interval for accidents, whereas Nationwide’s is 14 days. Each suppliers have a 14-day ready interval for diseases. Figo has a 6-month ready interval for hip dysplasia, cruciate ligaments, and different orthopedic situations. Nationwide extends its ready interval for cruciate ligaments to 1-year, and hip dysplasia falls underneath the sickness ready interval of 14 days.
Figo has two riders (add-ons) for a further value known as Powerups, whereas Nationwide has one rider. Figo has a rider for examination charges known as Vet Examination Charges, which covers the price of examination charges for lined accidents and diseases. On common, pet house owners spend $93 per vet go to on examination charges. Every supplier has an non-compulsory routine care add-on; Figo’s Powerup is known as Wellness, and Nationwide’s is Wellness. These riders embody routine care protection like dental cleanings, vaccinations, spay/neuter surgical procedure, heartworm prevention, and extra.
Base pet insurance coverage insurance policies from Figo and Nationwide cowl non-routine dental therapy and tooth extractions. Moreover, Figo covers gum and endodontic illness, whereas Nationwide affords no protection for these situations.
In its base coverage, Figo covers curable pre-existing situations if there have been no indicators or signs inside the final yr. Nationwide doesn’t supply protection for curable pre-existing situations.
Premiums & Pricing
Insurers decide premiums primarily based on the plan protection stage you choose and your pet’s particulars (age, breed, and site). Nationwide was usually dearer than Nationwide within the a whole bunch of quotes I ran. Moreover, Figo’s base coverage is extra complete than Nationwide’s.
Figo and Nationwide have annual deductibles. An annual deductible is useful in case your pet encounters a number of accidents or diseases in the course of the coverage interval (one yr) since you’re liable for paying the deductible as soon as per coverage time period.
Figo requires a one-time price of $15 in some states and a $2 month-to-month transaction price. In the meantime, Nationwide has no one-time charges and the highest month-to-month transaction price that I’ve seen within the trade, $3.25. The transaction price might be waived from each insurers when you decide to pay for all the yr without delay.
The desk beneath shows the month-to-month premiums for Figo and Nationwide primarily based on pattern quotes with totally different reimbursement charges and deductibles. I supplied a number of examples for every pet from every supplier for example how pricing can range relying on the chosen plan protection. Evaluating firm premiums might be difficult as a result of Nationwide has extra restrictions on its plan choices and solely affords its Main Medical plan (profit schedule) in some states.
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| French Bulldog | $98.51* | $156.50* | $55.46** | $120.03** |
| Labrador Retriever | $44.89† | $105.40† | $33.27‡ | $56.99¶ |
| Golden Retriever | $70.48* | $63.32¶ | $31.36‡ | $63.32¶ |
| Ragdoll Cat | $21.76* | $19.14¶ | $12.41** | $19.14¶ |
French Bulldog quotes are for a 6-month-old feminine within the 92121 zip code (San Diego, CA).
Labrador Retriever quotes are for a 2-year-old feminine within the 14211 zip code (Buffalo, NY).
Golden Retriever quotes are for a 4-year-old male within the 33604 zip code (Tampa, FL).
Ragdoll Cat quotes are for a 5-year-old feminine within the 78040 zip code (Laredo, TX).
* 80% reimbursement and $250 deductible
** 70% reimbursement and $500 deductible
†70% reimbursement and $250 deductible
‡70% reimbursement, $750 deductible, and limitless annual payouts
¶ $250 deductible and per situation limits
It’s greatest to acquire quotes on your canine to match pet insurance coverage prices. You should use our pet insurance coverage quote type beneath to request quotes from a number of corporations.
Reductions
Pet insurance coverage suppliers generally supply reductions to pet house owners who insure multiple pet, bundle different insurance coverage insurance policies, are navy or veterans, work as a veterinarian, work at an animal shelter, pay yearly, and extra. Figo affords Canine Journal readers 5% off their coverage and 5% off for a number of pets. And for every year you don’t obtain a declare cost, your deductible robotically goes down $50. Alternatively, Nationwide affords 5% off for 2-3 pets and 10% off for 4 or extra pets.
Buyer Service & Status
It’s straightforward to miss customer support and repute when a pretty insurance coverage quote catches your eye, however these are two of a very powerful points to recollect. Whereas I sincerely hope you by no means have to file a declare, if the state of affairs arises, I wish to be sure that the method is as seamless and worry-free as attainable for you and your pricey pet.
It doesn’t matter how a lot you pay; when you name an organization and by no means get your questions answered or issues solved, you’re feeling such as you’ve wasted your cash. Each corporations supply a number of help choices, together with cellphone, e-mail, and dwell chat. Figo additionally has textual content and fax. A 30-day money-back assure is accessible via each insurers. So, when you discover that the plan you selected isn’t working for you, you possibly can cancel and get your a refund, so long as you haven’t any reported or paid claims or advantages used.
I appeared via a whole bunch of Figo and Nationwide buyer opinions from the Higher Enterprise Bureau (BBB), Yelp, and Trustpilot. Total, the variety of buyer opinions and rankings was greater for Figo than for Nationwide. It’s additionally price noting that the pages visited for Nationwide had been relating to all of its departments, not simply pet insurance coverage. Figo has a greater historical past of responding to prospects and helping when wanted.
The most typical criticism I examine Figo was relating to unsubstantiated reasoning for denied claims. As for Nationwide, policyholders complain in regards to the Main Medical profit plan not having excessive sufficient limits for every vet value, excessive premium will increase, and denying claims stating pre-existing situations when they aren’t associated. Moreover, Nationwide introduced in 2024 that it wasn’t renewing about 100,000 insurance policies, leaving many pet house owners stranded with out protection. This has understandably ruffled many feathers.
Declare Processing
The time it takes for an insurer to reimburse claims can influence some pet house owners’ choices. Some can’t wait weeks for reimbursement, whereas others are advantageous with ready slightly longer. Figo has one of many quickest declare reimbursement occasions, averaging three days. Nationwide averages 10-14 days for declare processing, which is longer than most opponents.
There isn’t a time restrict for declare submissions via Nationwide. Figo requires claims to be submitted inside 180 days of the accident, sickness, or wellness go to. Each corporations allow you to submit claims by way of e-mail and fax. Moreover, Nationwide has a Pet Account Entry web page and mail, and Figo has the Pet Cloud app. Reimbursement might be made by way of direct deposit or examine via each insurers.
Plan Protection Choices
Figo has many deductible, payout, and reimbursement choices to get your required protection inside your price range. Deductibles vary from $100 to $750, annual payout choices are $5,000 to limitless, and reimbursement charges are 70% to 100%. Figo is without doubt one of the solely insurance coverage corporations to supply 100% reimbursement as an possibility. Nationwide has fewer plan customizable choices. Deductible choices begin at $250 and go as much as $1,000, with 50% to 90% reimbursement percentages. Its annual payouts rely in your plan however might be restricted per situation or separated to accidents at $2,500 or $5,000 and diseases at $5,000 or $10,000.
Nationwide additionally affords an accident-only pet insurance coverage plan, masking situations related to a sudden bodily harm. Nationwide’s accident insurance coverage covers situations like damaged bones, overseas physique ingestion, poisoning, and different accidents. Accident-only plans are usually extra reasonably priced than accident and sickness insurance policies.
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| Deductibles | $100, $250, $500, $750 | $250, $500, $1,000 |
| Annual Payouts | $5,000, $10,000, Limitless | Restricted Per Situation, $2,500, $5,000, $10,000, $15,000 |
| Reimbursement Charges | 70%, 80%, 90%, 100% | 50%, 70%, 80%, 90% |
| Accident-Solely Plan | No | Sure |
Often Requested Questions
This Figo and Nationwide FAQ is designed to deal with widespread questions. For those who don’t discover your query, please attain out within the feedback.
Is Figo Accepted In every single place?
Figo is accessible in all 50 states and is ready to reimburse you while you take your insured pet to any licensed veterinarian inside the U.S.
Is Nationwide Getting Rid Of Pet Insurance coverage?
In 2024, Nationwide introduced it could not renew round 100,000 pet insurance coverage insurance policies beginning within the spring of 2025. This represents a greater than 8% discount in its policyholder base, a call anticipated to have an effect on the pet-owning group considerably.
So, why is Nationwide making this transfer? The corporate cites inflation as a significant factor, particularly the rising value of veterinary care, which has contributed to its declining earnings. Whereas most insurers depend on exterior underwriters to push for coverage adjustments, Nationwide’s personal underwriter is driving these choices. The corporate explains that these troublesome selections are obligatory for long-term monetary stability.
Nationwide has emphasised that cancellations should not primarily based on components like a pet’s age, breed, or claims historical past. Nonetheless, the truth is that many affected pets are prone to have pre-existing situations, making it troublesome for house owners to safe protection elsewhere. With cancellations anticipated to proceed via the summer time of 2025, many pet house owners will discover themselves in a difficult place.
How A lot Is Figo Pet Insurance coverage Per Month?
Like most pet insurers, Figo’s premiums rely upon components such because the protection you select, alongside together with your pet’s sort, breed, gender, age, and site. Based mostly on hundreds of quotes I’ve run over the previous decade, Figo’s costs have persistently been among the many most reasonably priced. I in contrast quotes from Pets Finest, Fetch, Wholesome Paws, Embrace, Figo, Lemonade, Trupanion, ASPCA Pet Well being Insurance coverage, Spot, and Nationwide for my 10-year-old Coonhound combine. Figo got here out as probably the most cost-effective possibility, with no age-based protection restrictions, whereas Nationwide refused sickness protection because of my canine’s age. After reviewing all 10 insurers, I finally selected Figo, with a month-to-month premium of $59.68.
My Expertise With Figo
In 2023, I got down to discover one of the best pet insurance coverage coverage for my 10-year-old Coonhound combine, Sally. I in contrast quotes from 10 totally different pet insurance coverage suppliers, specializing in probably the most aggressive pricing and complete protection. After cautious consideration, I made a decision to go together with Figo.
Inside the first 4 months of insuring Sally, I filed three claims and reached my annual deductible. The claims course of was easy, the advantages had been defined clearly, and reimbursements had been fast.
Which Is Higher For Your Pet?
Figo’s base plan was extra reasonably priced than choices supplied by Nationwide in many of the pattern pets we ran quotes for. Moreover, Nationwide’s current dropping of 100,000 pet insurance policies makes me pause to advocate them to anybody. What’s to say there gained’t be one other big Nationwide minimize sooner or later? In my 10+ years of working within the pet insurance coverage trade, I’ve by no means heard of an organization dropping insurance policies like this for pets. That is unprecedented, and I might be extremely regretful if I really useful Nationwide to you after which your protection was minimize, particularly in case your canine had pre-existing situations that different suppliers would exclude.
I’ve gone much more in-depth with particular person opinions of Figo and Nationwide so you possibly can develop your comparability. It’s also possible to learn in regards to the greatest pet insurance coverage, together with my prime picks and particulars on the most well-liked pet insurance coverage corporations. So, if you wish to understand how different suppliers evaluate in opposition to each other, you could discover this overview useful in your pet insurance coverage search.
Methodology
My workforce and I conduct intensive analysis on probably the most respected pet insurance coverage corporations, analyzing buyer suggestions, coverage adjustments, and trade developments. Our licensed insurance coverage agent fact-checks the whole lot, and we replace our opinions year-round as insurers alter premiums, protection, exclusions, and customer support.
We rank every U.S. pet insurance coverage supplier utilizing a 100-point scale, making certain an unbiased breakdown of how corporations carry out in real-world claims.
Our Rating Standards
- Protection & Exclusions (30%) – We analyze insurance policies, exclusions, and age restrictions, rewarding corporations with fewer protection limitations.
- Pricing (15%) – We run hundreds of pattern quotes and think about further charges, reductions, and add-ons.
- Buyer Service & Status (12%) – We overview a whole bunch of buyer experiences, assess the sign-up course of, and consider declare help.
- Monetary Energy (10%) – We study A.M. Finest & Demotech rankings to make sure corporations will pay claims reliably.
- Customization Choices (10%) – Suppliers with extra deductible, reimbursement, and payout flexibility rank greater.
- Ready Intervals (5%) – Shorter sickness & accident ready durations lead to a greater rating.
- Declare Processing (5%) – Firms providing quick reimbursements and direct vet pay rating greater.
- Innovation (3%) – We acknowledge distinctive choices and superior know-how within the trade.
Unbiased Pet Insurance coverage Rankings: Placing Pets First
In contrast to many overview websites, we don’t promote rankings—each supplier earns its spot primarily based on actual efficiency. Our in-depth comparisons assist pet mother and father make knowledgeable choices, whereas insurers use our opinions to enhance their insurance policies. We solely advocate one of the best as a result of that’s what our readers deserve.
Why Belief Canine Journal?
Canine Journal has been masking pet insurance coverage since 2012, lengthy earlier than different main shops acknowledged the rising demand for pet healthcare. A lot of our writers, together with Kimberly Alt, deliver private expertise with pet insurance coverage, and Kimberly has been our go-to knowledgeable on the subject for over a decade. She has written extensively on practically each facet of pet insurance coverage, and her deep data permits her to reply a variety of questions with ease. On the uncommon event she doesn’t have a solution instantly, her huge community of assets lets her discover it inside minutes. Kimberly additionally collaborates with Michelle Schenker, Canine Journal’s in-house licensed insurance coverage agent, to make sure our content material is correct and dependable, offering authoritative steering to readers as they navigate insurance coverage choices. Kimberly has devoted over 100 hours to researching Figo and Nationwide—fastidiously reviewing their insurance policies, consulting with their groups, and accumulating quotes—to give you probably the most correct and up-to-date data attainable.
