Is Figo pet insurance worth it?
Lemonade Pet is not sold in every state.
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. 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. Compare current quotes for price.
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.
What the price buys
The accident waiting period at Figo 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. Request a current quote for your pet and coverage choices.
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, compare current quotes with matched coverage choices. If app-only service puts you off, Pets Best and Embrace offer conventional support channels with comparable wellness options.
Related questions
Keep reading
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.