Is Figo pet insurance worth it?
Figo pet insurance is worth it for owners who want the highest reimbursement rate in our catalog or a 24-hour accident start. It is the only insurer here offering a 100% reimbursement tier (paired with a $500 or $750 deductible, not available on the unlimited-limit plan), and accident coverage begins after 24 hours. At an illustrative starting estimate of about $40/month for a dog and $23/month for a cat, it is priced accordingly. Skip it if you want unlimited coverage and 100% reimbursement together (Figo does not sell that combination) or if you prefer phone support; claims and service run through the Pet Cloud app.
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 LemonadeWhat the price buys
Figo sits mid-table on price: an illustrative starting estimate of about $40/month for a healthy young dog and $23/month for a cat. The accident waiting period is 24 hours, shorter than most of the catalog but not the shortest: Embrace covers accidents as soon as the policy is effective, and Fetch has no accident wait from the effective date. Illness coverage starts after 14 days, with a 6-month orthopedic wait that can be waived with a vet exam completed within the enrollment window.
Plan design matters at Figo: the Popular plan caps at $10,000 a year, while the Higher Coverage plan has no annual limit. Deductibles run $100 to $750 standard, plus $1,000/$1,500 options for pets age 8 or 10 and older.
The 100% reimbursement tradeoff
Figo offers 70%, 80%, 90% or 100% reimbursement, the only 100% tier in our catalog. The constraint: 100% is only available with a $500 or $750 deductible, and it cannot be paired with the unlimited-annual-limit plan. Owners chasing both maximum payout percentage and maximum ceiling need to pick which matters more.
When a competitor wins instead
If you want unlimited coverage and top-tier reimbursement together, Healthy Paws pairs unlimited payout with 90% and scores 9.3 for dogs against Figo at 7.9. If budget leads, Lemonade starts around $28/month for a dog and scores 9.0. If app-only service puts you off, Pets Best and Embrace offer conventional support channels with comparable wellness options.
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.