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Figo vs Embrace: Which Has Higher Protection?

To maintain the lights on, we obtain affiliate commissions through a few of our hyperlinks. Our assessment course of.

Golden retriever dog and puppy in a puddle with umbrella

You’ve narrowed your selections down between Figo and Embrace to determine which pet insurance coverage supplier is best in your canine. Each firms supply in depth protection and numerous plan customization choices. Nevertheless, 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 determination.

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

Coverage Protection

Dog under covers (caption: Policy Coverage Winner)

The desk under exhibits 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, persistent circumstances, euthanasia, hereditary circumstances, congenital circumstances, non-routine dental therapy, and prescription drugs.

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

Figo gives a shorter ready interval for accidents. Nevertheless, Embrace gives protection for examination charges at no further charge. Embrace’s underwriter has a barely higher A.M. Greatest ranking (a measurement of economic stability). Each are good rankings, however Embrace’s is a 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issue for you might be the age restrictions hooked up to Embrace, which doesn’t enroll pets older than 14 years outdated for sickness protection.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 in 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 firms supply in depth protection with cheap ready intervals.

Coverage Protection Winner: Figo & Embrace (Tie)

Buyer Service & Popularity

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

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

This is the reason you need to learn your pet insurance coverage coverage solely, 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 totally perceive what is just not coated by their coverage. Figo and Embrace nonetheless have wonderful customer support opinions and are attentive to their prospects’ wants.

Buyer Service & Popularity 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 style, with Figo having a barely quicker document. 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 charge of $15 and a $2 transaction charge, whereas Embrace has a $25 one-time charge and a $1 transaction charge per 30 days. Each firms will omit the transaction charge in the event you choose 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 until you reside in a state that doesn’t permit this cost.

Your premium value quote is predicated in your pet’s particulars (age, breed, location, and many others.). We suggest acquiring quotes from every firm in your particular pet. You may also go to our pet insurance coverage comparability quotes to see just a few pattern costs we’ve gathered. Then use our pet insurance coverage quote type to see how different prime firms examine for your loved one pet.

Figo virtually all the time got here out inexpensive than Embrace within the quotes we’ve run. Nevertheless, keep in mind that it’s all the time finest to get quotes in your particular canine to match what pet insurance coverage may value 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 gives 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 fee

No promo code is required. Use this hyperlink to reap the benefits of the very best value. You may also go to our devoted Figo promotions web page to study extra.


Embrace gives 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 gives 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 prospects
  • Your deductible mechanically goes down $50 every year you don’t obtain a declare fee

Use this hyperlink to reap the benefits of the very best value. No promo code is required. You may also go to our devoted Embrace promotions web page to study extra.

Plan Customization

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

Discovering an organization with the protection you want that matches your funds 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 possibility. This can be a large differentiator from different pet insurance coverage firms and could also be what some pet mother and father wish to present extra expense protection on the time of an emergency. Moreover, we like which you can choose an infinite payout restrict from Figo instantly on their web site, whereas Embrace requires you to name in and converse with a consultant earlier than this feature is accessible. 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. In the end, it comes all the way down to Figo’s distinctive protection, extremely aggressive pricing, and barely quicker declare processing common. Should 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 may dig deeper into your comparability.

FIGO logo small

Total Winner: Figo

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

Should you desire to see winners by class, we award the very best value, a number of pets, 100% reimbursement, limitless payouts, and “finest for” classes, together with puppies, older canines, dental, wellness protection, bilateral circumstances, 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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