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 resolve which pet insurance coverage supplier is best on your canine. Each corporations supply intensive protection and numerous plan customization choices. Nevertheless, there’s a noticeable distinction of their pricing, which relying in your distinctive want, may very well 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 determination.

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

Coverage Protection

Dog under covers (caption: Policy Coverage Winner)

The desk beneath reveals particularly what Figo and Embrace cowl.

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

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

Figo provides a shorter ready interval for accidents. Nevertheless, Embrace gives protection for examination charges at no further payment. Embrace’s underwriter has a barely higher A.M. Greatest ranking (a measurement of monetary stability). Each are good scores, however Embrace’s is a little bit bit higher.

One other key deciding issue for you might be the age restrictions hooked up to Embrace, which doesn’t enroll pets older than 14 years previous for sickness protection. Nevertheless, in the event 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.

Aside from these slight variations, we really feel each corporations supply intensive protection with cheap ready durations.

Coverage Protection Winner: Figo & Embrace (Tie)

Buyer Service & Status

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

For each Figo and Embrace, most unfavorable opinions relate to parts of or total claims going unpaid. These claims are normally for pre-existing situations (that are excluded from all pet insurance coverage protection), ineligible situations or sicknesses (corresponding to wellness-related claims), or medical remedy through the ready interval. Prospects additionally count on a extra significant slice of their declare to be reimbursed, however declare reimbursement relies on the deductible, reimbursement proportion, and payout restrict they choose upon enrollment.

Because of this it’s best to learn your pet insurance coverage coverage fully, so that you perceive what’s and isn’t lined 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 dad and mom on all of the ins and outs of pet insurance coverage earlier than they buy. Then, ought to an emergency come up, they totally perceive what shouldn’t be lined by their coverage. Figo and Embrace nonetheless have wonderful customer support opinions and are conscious of their clients’ wants.

Buyer Service & Status 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. Alternatively, Embrace pays most of its claims inside 5 days.

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

FIGO logo small

Declare Processing Winner: Figo

Worth Of Coverage

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

Figo requires a one-time payment of $15 and a $2 transaction payment, whereas Embrace has a $25 one-time payment and a $1 transaction payment per thirty days. Each corporations will omit the transaction payment in the event you choose to pay yearly as an alternative of month-to-month however the one-time payment 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 permit this cost.

Your premium worth quote relies in your pet’s particulars (age, breed, location, and so on.). We suggest acquiring quotes from every firm on your particular pet. It’s also possible to 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 type to see how different prime corporations evaluate for your loved one pet.

Figo virtually all the time got here out cheaper than Embrace within the quotes we’ve run. Nevertheless, keep in mind that it’s all the time finest to get quotes on your particular canine to check what pet insurance coverage might price for you. You should use our pet insurance coverage quote type to get a number of firm quotes once you full this one-quick type. To see extra quote examples, check out our pet insurance coverage comparability web page.

FIGO logo small

Worth Of Coverage Winner: Figo



Figo provides 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 every year you don’t obtain a declare cost

No promo code is required. Use this hyperlink to reap the benefits of the absolute best worth. It’s also possible to go to our devoted Figo promotions web page to be taught extra.


Embrace provides the next reductions:

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

Use this hyperlink to reap the benefits of the absolute best worth. No promo code is required. It’s also possible to 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 beneath to see what plan choices are provided by every supplier.

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 Choices70%, 80%, 90%, 100%70%, 80%, 90%

Figo is likely one of the solely suppliers we’ve reviewed to supply a 100% reimbursement choice. It is a huge differentiator from different pet insurance coverage corporations and could also be what some pet dad and mom 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 converse with a consultant earlier than this feature 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 predict 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. In the event you didn’t discover what you have been searching for, our consultants have gone in-depth with particular person opinions of Figo and Embrace so you possibly can dig deeper into your comparability.

FIGO logo small

Total Winner: Figo

Our consultants have spent a whole lot of hours researching to deliver you our complete pet insurance coverage opinions, together with our prime picks in addition to particulars on every of the preferred pet insurance coverage corporations.

In the event you desire to see winners by class, we award one of the best worth, a number of pets, 100% reimbursement, limitless payouts, and “finest for” classes, together with puppies, older canines, 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.

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