Lemonade vs Figo: which should you pick?
Lemonade wins on price and score: illustrative $28/mo for a dog versus $40/mo ($16 vs $23 for cats), scoring 9.0 vs 7.9 for dogs. Figo answers with 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 Lemonade’s 2 days. Both are app-first insurers; neither is sold everywhere, so quote your ZIP.
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 LemonadeThe exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
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, the fastest tier we track besides Fetch; Official Lemonade accidents start at 0 days nationwide. As of August 2026 Lemonade is not sold in AK, ID, KS, KY, SD, VT, WV or WY; confirm Figo in your state as well.
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.