Figo vs Trupanion: which should you pick?
Trupanion wins on payout design: unlimited cover on every plan, direct clinic payment through VetDirect Pay, and a per-condition deductible paid once for the life of the pet, at about $62/mo illustrative for dogs versus $40 at Figo. Figo counters with the only 100% reimbursement tier in our lineup, 24-hour accident cover, and a lower bill every month.
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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.
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One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
Which one scores higher?
Trupanion takes dogs at 8.6 out of 10 in our rankings against Figo at 7.9; cats flip the order, with Figo at 8.0 and Trupanion at 7.8. Illustrative starting prices run about $62/mo for a Trupanion dog versus $40 at Figo, and $35 versus $23 for cats. Those are starting estimates for a young healthy animal, not quotes.
What does the extra cost at Trupanion buy?
Friction removal at the worst moment. Trupanion pays participating clinics directly at checkout through VetDirect Pay, so you cover only your deductible and 10% at the counter instead of fronting a four-figure bill, and about 75% of its claims are handled within 24 hours. Every policy is unlimited, reimbursement is fixed at 90%, and the deductible is per-condition: paid once per diagnosed condition for the life of the pet, configurable from $0 to $1,000 in $50 steps.
The costs are real too. It is consistently the most expensive plan we review month to month, there is no way to trade a lower reimbursement rate for a cheaper premium, illness claims wait 30 days (the longest clock we track), and there is no wellness option at any tier.
When does Figo make more sense?
Figo is the answer when payback rate or claim speed leads. Its 100% reimbursement tier is unique in our lineup, though it requires a $500 or $750 deductible and cannot be paired with the unlimited Higher Coverage plan, whose Popular sibling caps at $10,000. Accidents are covered after just 24 hours against Trupanion's five days, and the 6-month orthopedic wait can be waived with a vet exam submitted inside the enrollment window.
Know the service model before enrolling: claims and support run through the Pet Cloud app with no real phone line, and optional Wellness Powerups are the only route to routine care coverage.
Related questions
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Not sure which plan fits?
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.