Figo offers better pet insurance for dogs and cats than Lemonade, ranking fifth nationally while Lemonade ranks sixth. Both providers offer similar deductible ranges and annual coverage limits, but Figo provides shorter accident waiting periods and more flexible coverage adjustment options, allowing pet owners to modify their plans within the initial enrollment period.
Lemonade vs. Figo Pet Insurance
Updated: December 29, 2025
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Lemonade vs. Figo Pet Insurance: Key Takeaways
Lemonade provides more affordable pet insurance rates, charging $22 monthly for middle-aged cats and $45 for dogs, while Figo's rates are higher at $30 and $52 respectively.
Lemonade ranks third nationally in customer experience for both cats and dogs, with a Trustpilot score of 4.2 out of 5.0 stars, surpassing Figo's seventh place ranking and 3.9-star rating.
Figo leads in coverage options with a fifth place national ranking compared to Lemonade's sixth place position, offering wellness rewards and rehabilitation coverage as additional benefits.
Is Lemonade or Figo Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Lemonade | 1 | 8 |
| Coverage | Figo | 5 | 6 |
| Customer Experience | Lemonade | 3 | 7 |
| Overall Score | Lemonade | 1 | 8 |
Learn more about the best pet insurance options for your pet across different situations:
Lemonade and Figo Comparison by State
Lemonade dominates as the best pet insurance company in 47 states for cats and 42 states for dogs. This widespread state-level leadership demonstrates Lemonade's consistent value and coverage quality across the country for pet owners.
Data filtered by:
Overall Score
Dog
| Alabama | Lemonade | 1 | 7 |
| Alaska | Lemonade | 1 | 5 |
| Arizona | Lemonade | 1 | 6 |
| Arkansas | Lemonade | 2 | 3 |
| California | Lemonade | 1 | 8 |
| Colorado | Lemonade | 1 | 7 |
| Connecticut | Lemonade | 1 | 7 |
| Delaware | Lemonade | 1 | 7 |
| Florida | Lemonade | 1 | 7 |
| Georgia | Lemonade | 1 | 5 |
| Hawaii | Lemonade | 1 | 4 |
| Idaho | Lemonade | 1 | 7 |
| Illinois | Lemonade | 1 | 8 |
| Indiana | Lemonade | 2 | 6 |
| Iowa | Lemonade | 1 | 3 |
| Kansas | Lemonade | 1 | 7 |
| Kentucky | Lemonade | 1 | 7 |
| Louisiana | Lemonade | 1 | 6 |
| Maine | Lemonade | 1 | 9 |
| Maryland | Lemonade | 1 | 8 |
| Massachusetts | Lemonade | 1 | 8 |
| Michigan | Lemonade | 1 | 7 |
| Minnesota | Lemonade | 1 | 5 |
| Mississippi | Lemonade | 1 | 8 |
| Missouri | Lemonade | 1 | 7 |
| Montana | Lemonade | 1 | 7 |
| Nebraska | Lemonade | 1 | 4 |
| Nevada | Lemonade | 1 | 7 |
| New Hampshire | Lemonade | 1 | 6 |
| New Jersey | Lemonade | 1 | 3 |
| New Mexico | Lemonade | 2 | 4 |
| New York | Lemonade | 1 | 7 |
| North Carolina | Lemonade | 1 | 8 |
| North Dakota | Lemonade | 2 | 6 |
| Ohio | Lemonade | 1 | 7 |
| Oklahoma | Lemonade | 2 | 7 |
| Oregon | Lemonade | 1 | 8 |
| Pennsylvania | Lemonade | 1 | 8 |
| Rhode Island | Lemonade | 1 | 7 |
| South Carolina | Lemonade | 2 | 7 |
| South Dakota | Lemonade | 2 | 6 |
| Tennessee | Lemonade | 1 | 7 |
| Texas | Lemonade | 1 | 7 |
| Utah | Lemonade | 1 | 7 |
| Vermont | Lemonade | 1 | 4 |
| Virginia | Lemonade | 1 | 8 |
| Washington | Lemonade | 2 | 6 |
| West Virginia | Lemonade | 1 | 5 |
| Wisconsin | Lemonade | 1 | 7 |
| Wyoming | Lemonade | 1 | 5 |
Lemonade vs. Figo Pet Insurance Cost
Lemonade offers more affordable pet insurance than Figo across all age groups for both cats and dogs. Middle-aged dogs cost $45 per month with Lemonade compared with Figo's $52 per month. For middle-aged cats, Lemonade charges $22 versus Figo's $30.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 7% |
| Young Cats | Lemonade | $13 | 19% |
| Puppies | Lemonade | $19 | 12% |
| Middle Aged Cats | Lemonade | $22 | 25% |
| Young Dogs | Lemonade | $25 | 14% |
| Senior Cats | Lemonade | $32 | 69% |
| Middle Aged Dogs | Lemonade | $45 | 14% |
| Senior Dogs | Lemonade | $58 | 67% |
Lemonade vs. Figo Pet Insurance Cost by State
Lemonade offers the cheapest pet insurance across all 41 states compared to Figo. Lemonade provides lower rates for every pet category, including middle-aged dogs and cats, making it the more affordable choice nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 16% |
| Arizona | Lemonade | $54 | 15% |
| Arkansas | Lemonade | $30 | 15% |
| California | Lemonade | $56 | 15% |
| Colorado | Lemonade | $56 | 15% |
| Connecticut | Lemonade | $51 | 15% |
| Delaware | Lemonade | $45 | 15% |
| Florida | Lemonade | $50 | 15% |
| Georgia | Lemonade | $40 | 15% |
| Hawaii | Lemonade | $45 | 15% |
| Illinois | Lemonade | $55 | 15% |
| Indiana | Lemonade | $40 | 15% |
| Iowa | Lemonade | $37 | 15% |
| Louisiana | Lemonade | $36 | 15% |
| Maryland | Lemonade | $43 | 16% |
| Massachusetts | Lemonade | $57 | 15% |
| Michigan | Lemonade | $44 | 15% |
| Minnesota | Lemonade | $46 | 15% |
| Mississippi | Lemonade | $38 | 15% |
| Missouri | Lemonade | $35 | 15% |
| Montana | Lemonade | $37 | 15% |
| Nebraska | Lemonade | $40 | 15% |
| Nevada | Lemonade | $46 | 15% |
| New Hampshire | Lemonade | $51 | 15% |
| New Jersey | Lemonade | $50 | 15% |
| New Mexico | Lemonade | $39 | 15% |
| New York | Lemonade | $48 | 15% |
| North Carolina | Lemonade | $39 | 15% |
| North Dakota | Lemonade | $34 | 15% |
| Ohio | Lemonade | $41 | 15% |
| Oklahoma | Lemonade | $37 | 15% |
| Oregon | Lemonade | $55 | 15% |
| Pennsylvania | Lemonade | $46 | 15% |
| Rhode Island | Lemonade | $39 | 15% |
| South Carolina | Lemonade | $42 | 15% |
| Tennessee | Lemonade | $41 | 15% |
| Texas | Lemonade | $47 | 15% |
| Utah | Lemonade | $42 | 15% |
| Virginia | Lemonade | $47 | 15% |
| Washington | Lemonade | $51 | 15% |
| Wisconsin | Lemonade | $47 | 15% |
Lemonade vs. Figo Pet Insurance Discounts
Both Lemonade and Figo provide multiple pet insurance discounts to help reduce premiums for pet owners. By understanding how each provider structures savings, you can choose the discount strategy that best aligns with your household’s pets and payment preferences.
Multiple pets | Save 5% when you insure multiple pets with Lemonade. | Receive 5% off when you enroll two or more pets with Figo. |
Bundling | Get 10% off when you bundle pet insurance with other Lemonade policies (homeowners, renters, auto, life). | None. |
Annual payment | Save 5% when you pay annually instead of monthly. | None. |
Association or club membership | None. | 15% off for Costco members who enroll through the Costco program. |
Lemonade vs. Figo Pet Insurance Customer Experience
Lemonade delivers better customer experience than Figo, ranking third nationally for both dogs and cats compared to Figo's 10th place finish. Lemonade earns higher marks on Trustpilot with a 4.2 out of 5.0 score versus Figo's 3.9 rating. Both providers receive moderate BBB ratings, with Figo holding a slight edge at B compared to Lemonade's B- rating.
Lemonade vs Figo Trustpilot Ratings
Lemonade earns a higher Trustpilot rating at 4.1 out of 5.0 compared to Figo's 3.7 out of 5.0. These verified customer reviews indicate stronger overall satisfaction with Lemonade's service and claims experience.
Lemonade vs Figo Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Lemonade achieved 72% positive sentiment from 32 total comments (23 positive, 9 negative). Figo performed significantly lower with 17% positive sentiment from 12 comments (2 positive, 10 negative), indicating stronger user perception for Lemonade.
Lemonade vs. Figo Pet Insurance Coverage
Figo offers better pet insurance coverage for dogs and cats than Lemonade, ranking sixth nationally while Lemonade ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Figo has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750 | $100, $250, $500, $750 | |
$5,000, $10,000, $20,000, $50,000, $100,000 | $5,000, $10,000, Unlimited | |
60%, 70%, 80%, 90% | 70%, 80%, 90%, 100% | |
2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to 6 months for cruciate ligament events | 1 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions in dogs | |
Age restrictions | Only covers pets up to 14 years old, depending on breed | No upper age limits |
Pre-existing conditions | Curable pre-existing conditions may be covered if cured and symptom-free for 12 months | Curable pre-existing conditions may be considered after 12 months without symptoms or treatment |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Lemonade vs. Figo Pet Insurance Add-ons
If you’re looking to extend the base accident & illness coverage for routine care and wellness services, both Lemonade and Figo offer optional add-ons that help with exams, vaccines, dental, flea/tick prevention and more. Below are the details for each provider.
Lemonade Pet Insurance Add-ons
Lemonade offers a number of add-on options because its base policy focuses on accidents and illnesses, allowing pet owners to customise further care.
- Preventative Care package: Covers one wellness exam, three vaccinations, blood tests, parasite testing and heartworm testing.
- Preventative+ Care package: Includes all Preventative Care benefits plus routine dental cleaning and heartworm treatment or flea/tick medication.
- Preventative Care Package for Puppies and Kittens: Provides coverage for two wellness exams, heartworm or flea/tick medication, spay/neuter procedure and microchip.
- Vet Visit Fees add-on: Covers veterinarian examination fees for accidents and illnesses that are charged separately from treatment costs.
- Physical Therapy add-on: Provides coverage for acupuncture, chiropractic care, hydrotherapy and physical therapy related to eligible accidents or illnesses.
- Dental Illness add-on: Covers dental procedures like tooth extractions, root canals and treatments for gingivitis and periodontal disease.
- Behavioral Conditions add-on: Covers diagnostics, therapy sessions and training sessions for behavioral issues like separation anxiety, phobias and aggressive behaviors when administered by licensed professionals.
- End-of-life and Remembrance add-on: Provides coverage for vet-recommended euthanasia, cremation and memorial items.
Figo Pet Insurance Add-ons
Figo offers optional add-ons to widen the scope of coverage beyond accidents and illnesses, particularly for routine care and wellness.
- Wellness and Preventative Coverage: Covers routine exams, vaccines, blood tests, dental cleaning, spay/neuter, microchipping, and parasite prevention, depending on the specific tier selected.
- Veterinary Exam Fees for Accident and Illness Visits: Helps cover the vet’s examination or consultation fee for covered accidents or illnesses.
- Extra Care Pack: Provides coverage for advertising and reward for lost pet, boarding fees, vacation cancellation, third-party property damage liability and final respects (cremation/burial) benefit.
Lemonade vs. Figo Pet Insurance: Bottom Line
Lemonade beats Figo overall, delivering better affordability and customer service while maintaining solid coverage options. Lemonade's rates start at $45 per month for middle-aged dogs and $22 for cats, making it the more budget-friendly choice across all pet ages. The provider also offers superior customer support, earning a 4.2 out of 5.0 Trustpilot rating and B- BBB rating. However, Figo provides more comprehensive coverage options with additional policy features and higher benefit limits for pet owners prioritizing maximum protection over cost savings.
Compare other major pet insurance companies to determine the best choice for your pet:
Lemonade vs. Figo Pet Insurance Comparison: FAQ
Compare Lemonade and Figo pet insurance through these common questions:
Which is cheaper: Lemonade vs Figo pet insurance?
Lemonade is cheaper than Figo pet insurance across all age groups in 41 states. Middle-aged cats cost $22 per month with Lemonade versus Figo's $30 monthly rate. Middle-aged dogs show similar savings at $45 monthly with Lemonade compared to $52 with Figo, making Lemonade the more affordable choice.
Which has better customer service: Lemonade vs Figo pet insurance?
Lemonade delivers superior customer service, ranking third nationally for customer experience compared to Figo's 10th-place position. Lemonade achieves a 4.2 out of 5.0 Trustpilot score with a B- BBB rating, while Figo holds a 3.9 Trustpilot rating and B BBB grade, showing Lemonade's clear advantage.
Which offers better coverage: Lemonade vs Figo pet insurance?
Figo offers better coverage than Lemonade, ranking 5th nationally compared to Lemonade's 6th-place ranking for both cats and dogs. Figo provides comprehensive add-ons including behavioral therapy, dental illness coverage, and end-of-life care options. Both providers cover standard treatments like diagnostics, medications, and chronic conditions, but Figo's broader selection of optional coverage gives pet owners more flexibility to customize their plans.
Can I switch from Lemonade vs Figo pet insurance or vice versa?
You can switch between Lemonade and Figo pet insurance anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: typically 14 days for illnesses and 30 days for orthopedic conditions. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Lemonade vs Figo cover pre-existing conditions?
Neither Lemonade nor Figo covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Lemonade covers curable pre-existing conditions after your pet remains symptom-free for 12 months. Figo also covers curable conditions after a 12-month waiting period without symptoms.
Can I get discounts with both Lemonade vs Figo pet insurance?
Yes, both Lemonade and Figo offer discounts to help reduce your pet insurance costs. Lemonade provides five discount options, including 10% off for multi-pet households, 5% for annual payments, and savings through employer partnerships. Figo offers three main discounts: 5% for paying annually, 10% for multiple pets, and 5% for military veterans and active service members.
What are the age limits for Lemonade vs Figo pet insurance?
Figo accepts pets of any age with no upper enrollment limits, making it accessible for senior animals. Lemonade restricts enrollment to pets under 14 years old, which limits coverage options for older pets. This age difference makes Figo the better choice for owners with senior pets.
How We Scored Lemonade vs. Figo Pet Insurance
Our Lemonade vs Figo analysis required evaluating both providers under identical conditions to ensure fair comparison. We obtained quotes from each company using the same pet profiles and coverage specifications listed below.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Each provider received scores based on three weighted factors that reflect key decision-making priorities.
Affordability (50% of score): We obtained quotes across multiple pet ages and coverage options to assess typical monthly premiums, including available discounts that affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to measure customer satisfaction with claims processing and support services.
Coverage (20% of score): We examined policy features including waiting periods, available add-ons and exclusions to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.