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 selections down between Figo and Embrace to resolve which pet insurance coverage supplier is healthier in your canine. Each firms 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 towards 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 exhibits particularly what Figo and Embrace cowl.

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

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. Nevertheless, Embrace supplies protection for examination charges at no additional payment. Embrace’s underwriter has a barely higher A.M. Greatest ranking (a measurement of economic stability). Each are good scores, however Embrace’s is just a little bit higher.

One other key deciding issue for chances are you’ll be the age restrictions hooked up to Embrace, which doesn’t enroll pets older than 14 years outdated for sickness protection.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 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 destructive critiques relate to parts of or complete claims going unpaid. These claims are normally for pre-existing situations (that are excluded from all pet insurance coverage protection), ineligible situations or diseases (corresponding to wellness-related claims), or medical therapy throughout the ready interval. Clients additionally count on a extra significant slice of their declare to be reimbursed, however declare reimbursement is predicated on the deductible, reimbursement share, and payout restrict they choose upon enrollment.

Because of this it’s best to learn your pet insurance coverage coverage totally, 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 goal to teach 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 shouldn’t be coated by their coverage. Figo and Embrace nonetheless have wonderful customer support critiques and are aware of their prospects’ 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 firms have a historical past of processing claims in a well timed vogue, with Figo having a barely sooner 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 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 firms will omit the transaction payment in the event you decide 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 until you reside in a state that doesn’t permit this cost.

Your premium worth quote is predicated in your pet’s particulars (age, breed, location, and many others.). We advocate acquiring quotes from every firm in your particular pet. You can even 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 firms evaluate for the one that you love pet.

Figo virtually all the time got here out cheaper than Embrace within the quotes we’ve run. Nevertheless, do not forget that it’s all the time finest to get quotes in your particular canine to match what pet insurance coverage may price for you. You need to 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

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 robotically 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. You can even 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 in the event you pay yearly
  • As much as 25% off for eligible USAA prospects
  • Your deductible robotically 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. You can even 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 crucial. Look beneath to see what plan choices are supplied 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 need to present extra expense protection on the time of an emergency. Moreover, we like you can choose a limiteless payout restrict from Figo straight on their web site, whereas Embrace requires you to name in and communicate with a consultant earlier than this feature is on the market. 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 sooner declare processing common. For those who didn’t discover what you have been searching for, our consultants have gone in-depth with particular person critiques of Figo and Embrace so you may 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 critiques, together with our prime picks in addition to particulars on every of the most well-liked pet insurance coverage firms.

For those who desire to see winners by class, we award the perfect 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.

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