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Figo vs. Lemonade

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In searching for the best pet insurance plans, pet parents should pay close attention to the following differences when comparing Figo to Lemonade.

Figo Pet Insurance vs. Lemonade

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Insurance Plan Coverages Figo Pet InsuranceLemonade
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusions
Unlimited Lifetime Benefit PlanIncludedNot included or some inclusions
Wellness PlanIncludedIncluded
One Annual DeductibleIncludedIncluded
100% Reimbursement OptionIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncluded
Illness Waiting Period 14 Days or BetterIncludedIncluded
No Upper Age LimitsIncludedNot included or some inclusions
Chronic ConditionsIncludedIncluded
Congenital & Hereditary Conditions (included)IncludedIncluded
Hip Dysplasia (without additional caps or age limits)IncludedIncluded
Advanced Cancer TreatmentsIncludedIncluded
Chiropractic & Acupuncture (included)IncludedNot included or some inclusions
Prescription Medications (included, without additional cap)IncludedIncluded
Mobility DevicesIncludedIncluded
Diagnostic ServicesIncludedIncluded
Euthanasia & Cremation (included)IncludedNot included or some inclusions
Examination & Consultation Fees (optional)IncludedIncluded
Rehabilitation (optional, without additional cap)IncludedIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusions
File Claim from Mobile AppIncludedIncluded
Real-time Claim Status with Push NotificationsIncludedIncluded
Claim Close Time (within 7-10 business days)IncludedIncluded
AI Claims AssistantIncludedIncluded
Online Pet Cloud Account (and Mobile App)IncludedNot included or some inclusions
Pet Profile with Pet Tag IDIncludedNot included or some inclusions
24/7 Live Vet Chat (included for customers)IncludedNot included or some inclusions
Store Pet Records OnlineIncludedNot included or some inclusions
Reminders with Push NotificationIncludedNot included or some inclusions
Socially Connect with Other Pet ParentsIncludedNot included or some inclusions
Explore, Pet Friendly Location FinderIncludedNot included or some inclusions
Customer Service via Facebook MessengerIncludedNot included or some inclusions
Customer Service via Text MessagingIncludedNot included or some inclusions
Customer Service via Live Online ChatIncludedNot included or some inclusions
Return to Comparison Page
not included or some inclusions

Compare Figo to Lemonade:

  • Transparency: Lemonade doesn’t provide sample policies on their website, so it can be difficult to determine what they do and do not cover. At Figo, transparency is everything to us. Our goal is to make plans easy to understand and put you in the driver’s seat.
  • Limited Customer Service: There are a limited number of ways to reach Lemonade if you have questions about your policy. Their live chat is actually an email submission form. At Figo, we have experts available and ready to answer your questions via text, call, live chat, or email.
  • Pet Medical Advice: Lemonade doesn’t offer a 24/7 vet chat. Since emergencies are rarely convenient, Figo’s Live Vet connects you with a licensed professional anytime, around the clock. They’ll help you determine if a vet appointment should be scheduled.
  • Extra Coverage: Lemonade doesn’t cover behavioral conditions or end-of-life services. At Figo, both of these are available for coverage with applicable Powerup.

If you have questions regarding our pet insurance plans and coverages, check out our FAQs or contact our customer experience team.