Nationwide Pet Insurance vs Figo Pet Insurance Comparison

Sometimes we need to go back to the basics. After wandering around a bit lost and confused, we turn back to things that are familiar and simple, like these two pet insurance companies. The first one, Nationwide, founded in 1925, provides comprehensive coverage, and is one of the few pet insurance companies that also covers birds and exotic pets. Then, there is Figo Pet Insurance, founded in 2013 with three simple accident and illness plans and customizable reimbursement that can reach up to 100%. Even though it might seem like comparing apples to apples, these firms do have certain differences.

One of its plans is Major Medical, with a $250 deductible, accident and illness caps, and unlimited yearly caps. Another plan Nationwide offers is Whole Pet with Wellness, with much broader coverage that also is comprised of wellness and preventive care. This plan has a $100 deductible, a 90% reimbursement rate, and no limits on the annual payouts. Finally, there is the Pet Wellness plan, which covers wellness and preventive care and can be acquired as a plan on its own.

This firm also offers the Avian & Exotic Plan, which covers accidents and illnesses for birds and exotic pets. Waiting periods with Nationwide are 14 days for Major Medical and Whole Pet with Wellness, 24 hours for the Pet Wellness plan, and 12 months for cruciate ligament events. Nationwide Pet Insurance has a 10 years of age limit for dogs and cats and no age limits for exotic pets.

Figo Pet Insurance has no wellness plans, however it does differentiate between curable and incurable preexisting conditions. The firm covers exam fees for accidents and illnesses as an add-on. Direct payment to the vet is possible through this provider, if the vet approves it. The company also has the Figo Pet Cloud app, through which its clients can contact a licensed vet 24/7.

Waiting periods with Figo Pet Insurance are 5 days for accidents and 14 days for illnesses. Figo does not impose any maximum age limits on the pets it enrolls, even though the premiums do get higher as the pet gets older. Unlike Nationwide, this provider only insures dogs and cats.

One classic and the other tech-savvy, Nationwide and Figo are two pet insurance companies that do their best to attract pet owners. The first one has fixed deductibles for its plans, a maximum reimbursement rate of 90%, and provides coverage for birds and exotic pets. At the same time, Figo Pet Insurance has three main plans with customizable deductibles and reimbursements that can reach 100%. It does not offer wellness care and prevention coverage. However, it provides the Pet Cloud app with different functionalities and it offers the possibility of covering exam fees as an option, as well. Now that you know the facts, how do you like them apples?