Lemonade vs Figo: which should you pick?
Lemonade Pet is not sold in every state.
Lemonade scores higher for dogs (9.0 vs 7.9). Figo offers the only 100% reimbursement tier we track (paired with a $500 or $750 deductible, not combinable with its unlimited plan) and a 24-hour accident start against the absence of an accident wait currently advertised by Lemonade (check your state policy). Both are app-first insurers; neither is sold everywhere. Start with a current Lemonade quote where sold, then compare Figo at matched settings.
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 100 percent tradeoff
Figo’s 100% tier is unique in our catalog but constrained: it requires a $500 or $750 deductible and cannot combine with the unlimited Higher Coverage plan, whose Popular sibling caps at $10,000.
Lemonade instead reaches a $100,000 configured cap at 70/80/90% reimbursement with deductibles from $100, which suits owners who want ceiling rather than maximum percentage back.
Speed and availability
Figo starts accident cover after 24 hours, a short wait, although some insurers advertise no accident wait; Official Lemonade accidents start at 0 days nationwide. As of October 2026 Lemonade is not sold in AK, ID, KS, SD, VT, WV or WY; confirm Figo in your state as well.
Related questions
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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.