Figo Pet Insurance generally offers more flexible and comprehensive coverage options, particularly with faster accident coverage, no upper age limit, and higher reimbursement options. However, Nationwide may be a suitable choice for those who prefer a more structured plan with wellness options and are comfortable with the specified coverage limits and waiting periods.
| Attribute | Nationwide Pet Insurance | Figo Pet Insurance |
|---|---|---|
| Maximum Annual Payout Limit | Unlimited for the "Nationwide Accident and Illness Coverage". $2,500 or $5,000 for accidents and $5,000 or $10,000 for illnesses. $5,000 or $10,000 annual maximum payout structure for the Whole Pet Plan. Major Medical Plan has a benefit allowance structure. | $5,000, $10,000, or Unlimited |
| Deductible Options | $100, $250, $500, or $1,000 | $100, $250, $500, $750. $1,000 and $1,500 (for pets aged 8+ and 10+) |
| Reimbursement Percentage Options | 50%, 60%, 70%, or 80% | 70%, 80%, 90%, or 100% |
| Coverage for Hereditary Conditions | Yes. Hereditary conditions will only be covered up to $5,000/year. The Whole Pet Plan covers hereditary conditions as long as the condition is not pre-existing and has not occurred during the waiting period. Limited coverage is available on the Major Medical plan. | Yes, if not pre-existing and did not occur during the waiting period |
| Coverage for Congenital Conditions | Yes. Congenital conditions will only be covered up to $5,000/year. The Modular Pet Insurance Plan covers congenital conditions as long as the condition is not pre-existing and has not occurred during the waiting period. | Yes, if not pre-existing and did not occur during the waiting period |
| Coverage for Chronic Conditions | Yes | Yes, if not pre-existing, have not occurred during the waiting period, and you have not reached your maximum payout limit |
| Waiting Period for Accidents | 14 days | Generally 1 day (3 days in Arkansas, Colorado, Florida, Idaho, Montana, New Jersey, New York, Utah, and Washington) |
| Waiting Period for Illnesses | 14 days | 14 days |
| Age Restrictions for Enrollment | Minimum age is 8 weeks. Maximum enrollment age is 20 years. Pets older than 8 or 10 years may have limited options or may not be eligible for new enrollment. | Minimum 8 weeks old, no upper age limits |
| Coverage for Exam Fees | Yes, with Modular pet insurance policy | Not included in the base policy, available as an optional 'Powerup' |
| Availability of Wellness Plans | Yes, optional wellness coverage is available. Two levels of optional wellness coverage are available. The first level provides $450 in annual benefits, and the second level provides $800. | Optional 'Wellness Powerups' available |
| Customer Service Channels | Phone, email, and online | Phone, email, text, chat, and Twitter |
| Price | Not available | Not available |
| Ratings | overall: average or below average customer reviews, performance: Not available | Not available |