Figo vs Trupanion: which should you pick?
Lemonade Pet is not sold in every state.
Trupanion offers unlimited cover on every plan, direct payment at participating clinics through VetDirect Pay, and a per-condition deductible paid once for each diagnosis. Figo offers the only 100% reimbursement tier in our lineup and 24-hour accident cover. Compare current quotes with the same pet and coverage settings before judging cost.
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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 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.
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. These are editorial scores, not price rankings.
What does Trupanion offer?
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.
Trupanion fixes reimbursement at 90%, illness claims wait 30 days (the longest clock we track), and there is no wellness option at any tier. Compare a current quote against Figo at matching coverage settings.
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.
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Not sure which plan fits?
The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.