Figo vs Lemonade

Figo or Lemonade: Which Pet Insurance Is Best in 2025?

FIGO
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General info
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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
Figo - Figo - Figo Pet Insurance Plan
FigoFigo Pet Insurance Plan
Lemonade - Lemonade - Pet Insurance
LemonadePet Insurance
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.

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Jordan Mitchell
Jordan Mitchell
Personal finance editor
HelloSafe
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.

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