Does Figo pet insurance have a waiting period?
Yes. Figo starts accident coverage after just 24 hours, one of the fastest documented starts in our lineup, then waits 14 days for illness and 6 months for orthopedic conditions, which can be waived with a vet exam completed and submitted inside the enrollment window.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Some links here are partner links. If you buy through one, the insurer may pay us a fee. It never changes your premium and it never changes a ranking.
Get a quote from LemonadeThe exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
The three clocks
Accidents: 24 hours, tied for the fastest tier we track besides Fetch, which documents none. Illness: 14 days. Orthopedic conditions: 6 months unless a qualifying vet exam is completed and submitted within the enrollment window.
That exam waiver mirrors Embrace’s structure, so the practical move is identical: book the orthopedic check during signup week if your breed carries joint risk.
Pre-existing rules at Figo
Signs shown before enrollment or during any applicable wait are pre-existing and excluded. Our review data does not document a curable-condition reinstatement path at Figo, unlike Embrace, Lemonade (in most states) and Healthy Paws, so treat anything written down during the waits as permanent.
Related questions
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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.