Key Differences
Lemonade’s annual limit is up to $100,000 and Figo’s is up to unlimited.
Figo has more reimbursement rate options for some plans.
Lemonade’s base plan requires more add-ons to get comprehensive coverage compared to Figo’s base plan.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Figo and Lemonade offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
10,890 |
102,209 |
Deductible: |
$100, $250, $500, or $750 |
$100, $250, $500, or $750 |
Reimbursement: |
70%, 80%, 90%, or 100%** |
70%, 80%, or 90% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
$5,000 to $100,000 |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
1 day* |
None |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
6 months |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Optional |
Exam Fee Coverage: |
Additional Cost |
Additional Cost |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 180 days of treatment |
Within 180 days from the date of treatment** |
Claims Submission App: |
Yes |
Yes |
Figo Accident and Illness Coverage
Figo offers three different plans with varying levels of coverage: Popular, Higher Coverage, and Value Plus. With Figo, you also have the option to configure your annual coverage, reimbursement percentage, and deductible to create a custom plan that fits your needs and budget.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, 90%, 100%*
Annual Limit Options
$5,000, $10,000, or Unlimited Annual Limit
What's Covered
Here's what is covered in each plan Figo offers.
Popular
This plan covers 80% of approved medical costs of up to $10,000 a year after you meet a $250 deductible.
Accidents
Cancer Coverage
Chronic Conditions
Dental Care (Non-Routine)
Diagnostic Tests and Imaging
Emergency Care
Euthanasia
Hereditary Conditions
Holistic and Alternative Treatments
Illnesses
Orthopedic Conditions
Prescription Medications
Rehabilitation and Mobility Devices
Surgery
Higher Coverage
Everything listed in the Popular plan is covered. The difference is that the Higher Coverage plan covers 90% of approved medical costs with no annual coverage limit after you meet a $500 deductible.
Value Plus
Everything listed in the Popular plan is covered. The difference is that the Value Plus plan covers 70% of approved medical costs of up to $10,000 a year after you meet a $500 deductible.
Custom
Everything listed in the Popular is covered. The difference is that with a custom plan, you can configure your annual coverage limit, reimbursement, and deductible to fit your budget.
Optional Add-Ons
Figo does not cover vet exam fees for accidents and illnesses, including telehealth consultations unless you add it to a main insurance plan. Additionally, routine care is not covered in the main insurance plans but can be added on.
Vet Exam Fees
This add-on enables reimbursement for exam and consultation fees related to accidents and illnesses.
Wellness Coverage
This add-on covers you up to the annual limit that Figo will reimburse you per year on each eligible expense.
Wellness Exams - $40 annual limit
Vaccines -$50 annual limit
Flea, Tick, and Heartworm
Heartworm Preventative
Rabies
DHLP (Distemper, Hepatitis, Leptospirosis, Parainfluenza)
Parvovirus/Corona
Bordetella
Lyme
Canine Influenza
FVRCP (Feline Viral Rhinotracheitis, Calicivirus, Panleukopenia)
Leukemia
FIP (Feline Infectious Peritonitis)
Other Vaccines as approved for general use by AVMA (American Veterinary Medical Association), or equivalent industry regulating entity
Spay/Neuter or Teeth Cleaning - $75 annual limit
Tests - $45 annual limit
Blood Panel
Heartworm Test
Fecal Test
Urinalysis Test
FeLV Test (Feline Leukemia Virus)
Microchip / Health Certificate - $30 annual limit
Deworming - $10 annual limit
* 100% reimbursement is available with deductibles of $500 and $750 but is not available with an unlimited annual limit.
Lemonade Accident and Illness Coverage
Lemonade offers a base accident and illness plan you can configure reimbursement rate, deductible, and annual limit to fit your budget and needs. Plus, you can choose to add additional coverage to the base plan.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, $20,000, $50,000, or $100,000
What's Covered
Accidents
Diagnostics
Emergency Care
Hospitalization
Illnesses
Prescription Medication
Procedures
Specialty Care
Surgery
X-rays
Optional Coverage Add-Ons
Visit Fees
Dental Illness
Behavioral Conditions
Physical Therapy
End-Of-Life and Remembrance
Optional Wellness Coverage Add-Ons
Lemonade offers optional wellness coverage add-ons to supplement your base insurance plan. With this type of coverage, you can get reimbursed up to a certain amount for select routine and preventative care.
Preventative Care
Here’s what can be covered with Lemonade's Preventative Care optional add-on*:
1 Wellness Exam
3 Vaccines
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Preventative+ Care
Here’s what can be covered with Lemonade's Preventative+ Care optional add-on*:
1 Wellness Exam
3 Vaccines
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Flea/Tick or Heartworm Medication
Routine Dental Cleaning
Puppy and Kitten Preventative Care
You can only add Lemonade's Puppy/Kitten Preventative Care add-on if your pet is under two years old.
2 Wellness Exams
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Flea/Tick or Heartworm Medication
Spay/Neuter Procedure
Microchip
*Exact preventative coverage and item limits amounts vary by state. Please review options before purchase and read your policy details.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Figo and Lemonade.
Figo Claims Details
Figo Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with Figo Pet Cloud
Most claims are processed within 3 business days
Lemonade Claims Details
Lemonade Pet Insurance has a unique claims experience. Using their app, you will select the reason for your claim, upload invoices and receipts then record a confidential video explaining the treatment and other claim details. You have 180 days from the date of treatment (if you live in Texas, you have 90 days) to file.
Direct deposit option for receiving reimbursements
Convenient and tech-savvy claim submission on mobile app
Responsive claims customer service
Our Figo vs. Lemonade Review
Figo and Lemonade offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers offer an optional wellness coverage add-on. Figo and Lemonade offer multiple reimbursement, deductible, and annual limit options to customize your coverage and price. However, Lemonade has a maximum annual limit of $100,000. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
