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Figo vs Embrace: Which Has Higher Protection?


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Golden retriever dog and puppy in a puddle with umbrella

You’ve narrowed your decisions down between Figo and Embrace to determine which pet insurance coverage supplier is healthier on your canine. Each firms supply intensive protection and numerous plan customization choices. Nonetheless, there’s a noticeable distinction of their pricing, which relying in your distinctive want, might be your deciding issue.

We pit Figo and Embrace in opposition to each other and clarify why we rank one higher than the opposite. We level out their similarities and variations that will help you really feel empowered to make an knowledgeable resolution.

Go to Figo’s Web site | Go to Embrace’s Web site

Coverage Protection

Dog under covers (caption: Policy Coverage Winner)

The desk under reveals particularly what Figo and Embrace cowl.

Each firms cowl emergency care, surgical procedure and hospitalization, specialised exams and specialty care, X-rays, blood assessments, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, continual situations, euthanasia, hereditary situations, congenital situations, non-routine dental therapy, and prescription medicines.

Neither covers pre-existing situations, cremation and burial prices, being pregnant and breeding, or pointless beauty procedures.

Figo presents a shorter ready interval for accidents. Nonetheless, Embrace gives protection for examination charges at no further charge. Embrace’s underwriter has a barely higher A.M. Finest score (a measurement of monetary stability). Each are good rankings, however Embrace’s is somewhat bit higher.

One other key deciding issue for you could be the age restrictions connected to Embrace, which doesn’t enroll pets older than 14 years outdated for sickness protection. Nonetheless, should you’re enrolling your pet earlier than their 14th birthday, this received’t be a priority since they’ll proceed protection on your older canine as long as your coverage and premium funds are present when your pet turns 14.

Apart from these slight variations, we really feel each firms supply intensive protection with affordable ready durations.

Coverage Protection Winner: Figo & Embrace (Tie)

Buyer Service & Repute

Person holding phone next to dog: Customer Service & Reputation Winner

For each Figo and Embrace, most detrimental critiques relate to parts of or total claims going unpaid. These claims are often for pre-existing situations (that are excluded from all pet insurance coverage protection), ineligible situations or sicknesses (corresponding to wellness-related claims), or medical therapy through the ready interval. Clients additionally count on a extra good portion of their declare to be reimbursed, however declare reimbursement is predicated on the deductible, reimbursement proportion, and payout restrict they choose upon enrollment.

For this reason you must learn your pet insurance coverage coverage fully, so that you perceive what’s and isn’t coated earlier than shopping for. We don’t fault Figo or Embrace for these complaints as a result of they exist for all insurance coverage suppliers.

To keep away from this disconnect, we intention to coach pet mother and father on all of the ins and outs of pet insurance coverage earlier than they buy. Then, ought to an emergency come up, they absolutely perceive what just isn’t coated by their coverage. Figo and Embrace nonetheless have wonderful customer support critiques and are aware of their clients’ wants.

Buyer Service & Repute Winner: Figo & Embrace (Tie)

Declare Processing

Doctor's office papers, pen and stethoscope (text in image: claim repayment winner)

Figo averages a three-day declare course of, with about 50% closed inside 24 hours. However, Embrace pays most of its claims inside 5 days.

Each firms have a historical past of processing claims in a well timed trend, with Figo having a barely quicker file. So we declare Figo the winner of this class.

FIGO logo small

Declare Processing Winner: Figo

Value Of Coverage

Dog laying next to money: (text in image: pricing winner)

Figo requires a one-time charge of $15 and a $2 transaction charge, whereas Embrace has a $25 one-time charge and a $1 transaction charge monthly. Each firms will omit the transaction charge should you decide to pay yearly as an alternative of month-to-month however the one-time charge is to cowl the price of new enrollment, so it’s unlikely to be waived by both supplier except you reside in a state that doesn’t enable this cost.

Your premium worth quote is predicated in your pet’s particulars (age, breed, location, and so on.). We advocate acquiring quotes from every firm on your particular pet. You too can go to our pet insurance coverage comparability quotes to see a number of pattern costs we’ve gathered. Then use our pet insurance coverage quote kind to see how different prime firms evaluate for the one that you love pet.

Figo nearly all the time got here out cheaper than Embrace within the quotes we’ve run. Nonetheless, do not forget that it’s all the time finest to get quotes on your particular canine to match what pet insurance coverage may value for you. You should utilize our pet insurance coverage quote kind to get a number of firm quotes if you full this one-quick kind. To see extra quote examples, check out our pet insurance coverage comparability web page.

FIGO logo small

Value Of Coverage Winner: Figo



Figo presents the next reductions:

  • 5% off any new Figo pet insurance coverage coverage (unique for Canine Journal readers – use this hyperlink)
  • 5% off for a number of pets 
  • Your deductible mechanically goes down $50 annually you don’t obtain a declare cost

No promo code is required. Use this hyperlink to benefit from the very best worth. You too can go to our devoted Figo promotions web page to be taught extra.


Embrace presents the next reductions:

  • 10% off (5% off in NY) for a number of pets 
  • 5% off for navy and veterans (NY and TN excluded)
  • 10% off in case your firm or clinic presents Embrace as an worker profit (FL, ND, NY, and TN excluded)
  • 5% off in NY should you pay yearly
  • As much as 25% off for eligible USAA clients
  • Your deductible mechanically goes down $50 annually you don’t obtain a declare cost

Use this hyperlink to benefit from the very best worth. No promo code is required. You too can go to our devoted Embrace promotions web page to be taught extra.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

Discovering an organization with the protection you want that matches your finances is important. Look under to see what plan choices are provided by every supplier.

Figo Embrace
Deductible Choices $100, $200, $250, $500, $750, $1,000, $1,500 $200, $300, $500, $750, $1,000
Payout Choices $5,000, $10,000, Limitless $5,000, $8,000, $10,000, $15,000, $30,000, Limitless (should name)
Reimbursement Choices 70%, 80%, 90%, 100% 70%, 80%, 90%

Figo is without doubt one of the solely suppliers we’ve reviewed to supply a 100% reimbursement choice. It is a massive differentiator from different pet insurance coverage firms and could also be what some pet mother and father need to present extra expense protection on the time of an emergency. Moreover, we like that you may choose a vast payout restrict from Figo immediately on their web site, whereas Embrace requires you to name in and communicate with a consultant earlier than this selection is out there. Due to these two issues, Figo comes out on prime.

FIGO logo small

Plan Customization Winner: Figo

What’s The Verdict?

We expect Figo and Embrace are each wonderful pet insurance coverage suppliers. Finally, it comes all the way down to Figo’s distinctive protection, extremely aggressive pricing, and barely quicker declare processing common. If you happen to didn’t discover what you had been in search of, our specialists have gone in-depth with particular person critiques of Figo and Embrace so you possibly can dig deeper into your comparability.

FIGO logo small

General Winner: Figo

Our specialists have spent a whole lot of hours researching to carry you our complete pet insurance coverage critiques, together with our prime picks in addition to particulars on every of the preferred pet insurance coverage firms.

If you happen to desire to see winners by class, we award the most effective worth, a number of pets, 100% reimbursement, limitless payouts, and “finest for” classes, together with puppies, older canine, dental, wellness protection, bilateral situations, behavioral remedy, and extra in our finest pet insurance coverage comparability. You’ll even see winners for unique pets and cats.

Tagged With: Reviewed By Insurance coverage Agent, Vs


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