Figo Pet Insurance stands out with its shorter accident waiting period and rapid claims processing. Nationwide Pet Insurance offers a variety of plans with customizable options, but its customer reviews are average or below average. Consider Figo for faster accident coverage and Nationwide for broader plan options.
| Attribute | Figo Pet Insurance | Nationwide Pet Insurance |
|---|---|---|
| Maximum annual payout limit | $5,000, $10,000, or unlimited | Varies depending on the plan. Some plans have a maximum annual limit of $7,500. Other plans have annual limits of $2,500 or $5,000 for accidents and $5,000 or $10,000 for illnesses. Nationwide also offers plans with unlimited annual payout options. |
| Coverage for hereditary and congenital conditions | Yes, if not pre-existing | Yes, some Nationwide plans cover hereditary and congenital conditions. However, the Major Medical plan has limited coverage for hereditary conditions and does not cover congenital conditions. The Whole Pet Plan covers both hereditary and congenital conditions. Hereditary and Congenital conditions will only be covered up to $5,000/year. |
| Waiting period for accident coverage | 1 day (3 days in AK, CO, FL, ID, MO, NJ, NY, UT, and WA) | 14 days |
| Waiting period for illness coverage | 14 days | 14 days |
| Coverage for exam fees | Not included in base coverage, available as optional extra | Exam fees are covered under some plans. |
| Coverage for prescription medications | Yes | Yes, prescription medications are covered. |
| Coverage for alternative therapies | Yes, like acupuncture and chiropractic care | Yes, alternative therapies are covered if prescribed by a veterinarian to treat a covered condition. Covered alternative therapies include acupuncture and chiropractic care. |
| Age restrictions for enrollment | Pets older than 8 weeks with no upper age limits | Nationwide typically accepts new enrollments for pets from eight weeks to eight years old. However, existing policyholders can continue coverage beyond this age. Some plans require pets to be a minimum age of one year to enroll. The maximum enrollment age is 20 years. Nationwide's hereditary condition disorder coverage contains breed-specific exclusions. |
| Deductible options | $100, $250, $500, $750; $1,000 and $1,500 for pets 8 and older | Deductible options include $100, $250, $500, and $1,000, but may vary depending on the policy. |
| Reimbursement percentage options | 70%, 80%, 90%, or 100% | Reimbursement options are typically 50%, 70%, or 80%. Some plans may offer 60% reimbursement. |
| Customer service availability and responsiveness | 24/7 access to a live vet via Pet Cloud app; claims processed rapidly, often in less than 3 business days | Nationwide offers 24/7 vet coverage through its VetHelpline app. Customer reviews are average or below average. Contact a Customer Care Representative toll free at 800-540-2016 Monday through Friday 5:00 a.m. to 7:00 p.m. or Saturday 7:00 a.m. to 3:30 p.m. (Pacific). |
| Policy customization options | Customizable plans with adjustable annual coverage, reimbursement percentage, and deductible; optional 'Powerups' for additional coverage | Nationwide offers customizable plans to suit various needs and budgets. |