Lemonade vs. FIGO Pet Insurance: In-Depth Comparison [2022]


Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between Lemonade & FIGO Pet Insurance Plans?

Thank you for visiting our guide to comparing Lemonade and FIGO pet insurance plans. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Lemonade and FIGO side by side, as well as other major pet insurers.

Lemonade & FIGO: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Lemonade and FIGO, as well as many of the other top pet insurance brands.

Prudent Pet
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
$5,000 or Unlimited
$10,000 or Unlimited
$5,000 – $30,000
Multi-pet Discount?
Multi-pet Discount?
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
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Free Side by Side Quote Comparison Between Lemonade and FIGO

Fill out the form below to receive your no-obligation quote comparison between Lemonade and FIGO.

Common Questions About Lemonade Vs. FIGO

Coverage Amounts: Lemonade vs. FIGO

Lemonade’s annual coverage maxes out at $100,000 depending on your plan, while FIGO’s coverage could either max out at $5,000 or be unlimited. Unlimited coverage sounds better, but it requires higher premiums, and $100,000 can cover many expensive surgeries and treatments, especially within a one-year period. Of course, it depends on the reason for your visit, but $5,000 should also be enough to cover many veterinary procedures.

Multi-Pet Discounts: Lemonade vs. FIGO

Both Lemonade and FIGO offer a discount for multiple pets, making either’s insurance plans a good choice for multi-pet parents looking to save.

What are the Reimbursement Amounts for Lemonade vs. FIGO?

Lemonade’s reimbursement options are 90%, 80%, or 70%. FIGO’s reimbursement options range from 100%, 90%, 80%, or 70%. The higher your reimbursement, the higher your premium will be. 

What is the Annual Deductible for Lemonade vs. FIGO?

Lemonade has a few deductible options: $100, $250, or $500. FIGO offers deductibles of $100, $250, $500, or $750. The higher the deductible, the lower your premium will be.

Does Lemonade or FIGO Offer a Wellness Plan for Preventative Care?

While FIGO does not have a wellness plan option, Lemonade offers one. This means you invest in preventative care like annual exams and teeth cleanings, but it wouldn’t cover accidents or emergencies.

Who is Cheaper: Lemonade or FIGO?

In most cases, we found Lemonade to offer a more affordable price. In our example quote, Lemonade beat out FIGO for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Lemonade or FIGO is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Lemonade or FIGO?

Overall, we give an edge to Lemonade for their more affordable pricing, their wellness plan option and multi-pet discounts, and their overall rating amongst iHeartDogs customers. Both companies are very reputable and popular with iHeartDogs readers, with Lemonade receiving 4.6 out of 5 stars and FIGO receiving 4.1 out of 5 stars.

Run a No Obligation Comparison Quote Between Lemonade and FIGO

[4] Lemonade Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Lemonade and other major pet insurance providers.

Overall Lemonade Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ – Very fast response – Lemonade review by James, Ashburn

⭐⭐⭐⭐ – Pretty simple site and easy to use. Customer service was fast last time I had a question – Lemonade review by JT, Moreno Valley

⭐⭐⭐⭐ – Haven’t had to make claim yet, but getting signed up was super fast and easy. Heard from a couple friends who used them and were happy – Lemonade review by Justin, Riverside

⭐⭐⭐⭐⭐ – Love that they also offer renter insurance, life insurance, car insurance, etc. Seems like a modern company, very easy to use – Lemonade review by Jennifer, Richmond

[6] FIGO Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with FIGO and other major pet health insurance companies.

Overall FIGO received a 4.2 out of 5 rating:

⭐ – 6 vet visits, various reasons, ZERO claims paid. They find ANY reason to deny the claim. This is my third company for pet insurance — a complete waste of my money. – FIGO Pet Insurance review by Katie, Frisco

⭐⭐⭐⭐  – Haven’t filed a claim yet – FIGO Pet Insurance review by Dorothy, Phoenixville

⭐⭐⭐⭐⭐  – Very responsive and quick to process the claim. Have to pay extra to get routine wellness covered – FIGO Pet Insurance review by Stephanie, Independence

⭐⭐⭐⭐⭐  – I have nothing but good things to say about FIGO and the ease of claims and reimbursement. Thank-you FIGO for being there. – FIGO Pet Insurance review by Glen

⭐⭐⭐⭐⭐  – Service from staff has been great, Only complaint: I’ve had this insurance for years and it was reasonable. Then FIGO switched providers in 2019 and the monthly fee doubled. Not such a great deal anymore. Can’t switch insurance because of pre-existing condition. – FIGO Pet Insurance review by Betty

⭐⭐⭐⭐⭐  – Excellent customer service. My claims took just few hours to process. Top class platform. Transparent pricing. Can’t ask for more. Every pet owner should have a pet insurance and that too with Figo. – FIGO Pet Insurance review by Greg,

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