Figo or Lemonade: Which Pet Insurance Is Best in 2025?
FIGO
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General info
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
Routine care
Emergency Visits
Regular Vet Visits
Specialist Consultations
Medication
Hospitalization & surgery
Hospitalization
Ambulance Services
Surgery
Lab care & imaging
Imaging
Lab Tests
Radiotherapy
Dentition
Dental Care
Teeth Cleaning
Prevention & specific care
Vaccinations
Anti-Parasitics
Neutering (Dog)
Neutering (Cat)
Identification
Additional guarantees
Lifetime Coverage
Waiting Period (Accident)
Waiting Period (Illness)
Hygiene
Alternative Therapies
Foreign Care
Death
Cremation
Euthanasia
Loss/Theft
Boarding Fees
Accident & Illness
Dogs & Cats
Variable — up to 100%
Variable
Variable — decreasing $50/yr if claim-free
N/A
N.C.
N.C.
Up to 30 days
Accident & Illness
Dogs & Cats
Variable — up to 100%
Variable
Variable — decreasing $50/yr if claim-free
N/A
N.C.
N.C.
Up to 30 days
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Accident/pain only
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Yes
1 day
14 days
Not covered
Not covered
Covered worldwide
Not covered
Not covered
Covered
Not covered
Not covered
Accident & Illness
Dogs & Cats
80%
$20,000
$250
N/A
N.C.
Yes
Fast
Accident & Illness
Dogs & Cats
80%
$20,000
$250
N/A
N.C.
Yes
Fast
Covered
Not Covered
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
N.C.
2 days
14 days
Not Covered
Not Covered
N.C.
Not Covered
Not Covered
Covered if prescribed
Not Covered
Not Covered
Figo Figo Pet Insurance Plan | Lemonade Pet Insurance | |
|---|---|---|
Coverage Type | Accident & Illness | Accident & Illness |
Covered Pets | Dogs & Cats | Dogs & Cats |
Reimbursement Rate | Variable — up to 100% | 80% |
Annual Coverage Limit | Variable | $20,000 |
Annual Deductible | Variable — decreasing $50/yr if claim-free | $250 |
Enrollment Age (Dog) | N/A | N/A |
Enrollment Age (Cat) | N.C. | N.C. |
Health Questionnaire | N.C. | Yes |
Claim Reimbursement Time | Up to 30 days | Fast |
Emergency Visits | Covered | Covered |
Regular Vet Visits | Not covered | Not Covered |
Specialist Consultations | Covered | Covered |
Medication | Covered | Covered |
Hospitalization | Covered | Covered |
Ambulance Services | Covered | N.C. |
Surgery | Covered | Covered |
Imaging | Covered | Covered |
Lab Tests | Covered | Covered |
Radiotherapy | Covered | N.C. |
Dental Care | Accident/pain only | Not Covered |
Teeth Cleaning | Not covered | Not Covered |
Vaccinations | Not covered | Not Covered |
Anti-Parasitics | Not covered | Not Covered |
Neutering (Dog) | Not covered | Not Covered |
Neutering (Cat) | Not covered | Not Covered |
Identification | Not covered | Not Covered |
Lifetime Coverage | Yes | N.C. |
Waiting Period (Accident) | 1 day | 2 days |
Waiting Period (Illness) | 14 days | 14 days |
Hygiene | Not covered | Not Covered |
Alternative Therapies | Not covered | Not Covered |
Foreign Care | Covered worldwide | N.C. |
Death | Not covered | Not Covered |
Cremation | Not covered | Not Covered |
Euthanasia | Covered | Covered if prescribed |
Loss/Theft | Not covered | Not Covered |
Boarding Fees | Not covered | Not Covered |
Still unsure which pet insurance is right for you? Compare the top providers in the U.S. and find the perfect plan for your furry friend.
👉 Compare the best pet insurance online.I compareJordan Mitchell
Personal finance editor
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification.
Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans.
At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.
