Does Figo pet insurance have a waiting period?
Lemonade Pet is not sold in every state.
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 October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
The three clocks
Accidents: 24 hours, tied for a short wait, although some insurers advertise no accident wait, 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.
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