Figo pet insurance review
A quote from Lemonade, if you want one today
Lemonade is an alternative we can send you to. It is not a Figo enrollment link, and it is not a ranking of Lemonade over Figo. 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 LemonadeFigo pet insurance scores 7.9/10 for dogs and 8.0/10 for cats. It is the only insurer we review that offers 100% reimbursement, and it pairs that with a 24-hour accident wait. 100% reimbursement is only available with a $500 or $750 deductible, and not with the unlimited-annual-limit plan. Claims and service run through the Pet Cloud app.
Quick facts
- Annual limit
- $5k–unlimited
- Deductible
- $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+
- Reimbursement options
- 70%, 80%, 90% or 100% — the only insurer here offering a 100% tier
- Accident / illness wait
- 24 hours / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: Ranges by plan: the Popular plan caps at $10,000; the Higher Coverage plan has no annual limit. 100% reimbursement is only available with a $500 or $750 deductible, not paired with the unlimited-annual-limit plan.
Deductible: $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+
Reimbursement: 70%, 80%, 90% or 100% — the only insurer here offering a 100% tier
Wellness / routine care: Yes — optional Wellness Powerups. The Basic tier covers up to $30 of microchipping; Wellness Plus adds flea/tick/heartworm prevention, blood panels, fecal tests and deworming.
Waiting periods
- Accidents: 24 hours
- Illness: 14 days
- Orthopedic / cruciate: 6 months, waivable with a vet exam completed and submitted within the enrollment window
Pre-existing conditions
Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Who Figo is not for
Owners who want unlimited coverage and 100% reimbursement at the same time — Figo does not sell that combination — or anyone who prefers phone support; claims and service run through the Pet Cloud app.
Not sure Figo is the right fit?
The Advisor ranks all eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorA quote from Lemonade, if you want one today
Lemonade is an alternative we can send you to. It is not a Figo enrollment link, and it is not a ranking of Lemonade over Figo. 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.
Questions about Figo
See our methodology for how scores are set.