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 determine which pet insurance coverage supplier is healthier to your canine. Each firms provide intensive protection and numerous plan customization choices. Nonetheless, 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 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 checks, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, power circumstances, euthanasia, hereditary circumstances, congenital circumstances, non-routine dental remedy, and prescription drugs.

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

Figo presents a shorter ready interval for accidents. Nonetheless, Embrace offers protection for examination charges at no further charge. Embrace’s underwriter has a barely higher A.M. Finest score (a measurement of economic stability). Each are good rankings, however Embrace’s is a bit of 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issue for you could be the age restrictions connected to Embrace, which doesn’t enroll pets older than 14 years outdated for sickness protection.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, if you happen to’re enrolling your pet earlier than their 14th birthday, this gained’t be a priority since they’ll proceed protection to 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 provide intensive protection with affordable ready intervals.

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 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 diseases (similar to wellness-related claims), or medical remedy in the course of the ready interval. Clients additionally count on a extra good portion of their declare to be reimbursed, however declare reimbursement relies on the deductible, reimbursement share, and payout restrict they choose upon enrollment.

That is why it’s best to 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 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 absolutely perceive what will not be coated by their coverage. Figo and Embrace nonetheless have glorious customer support opinions and are attentive to their prospects’ 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. Then again, 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 sooner report. 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 per thirty days. Each firms will omit the transaction charge if you happen to 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 until 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 forth.). We advocate acquiring quotes from every firm to your particular pet. It’s also possible to go to our pet insurance coverage comparability quotes to see a couple of pattern costs we’ve gathered. Then use our pet insurance coverage quote kind to see how different high firms evaluate for your loved one pet.

Figo nearly at all times got here out cheaper than Embrace within the quotes we’ve run. Nonetheless, do not forget that it’s at all times greatest to get quotes to your particular canine to match what pet insurance coverage may price for you. You need to use our pet insurance coverage quote kind to get a number of firm quotes while 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 robotically goes down $50 every year you don’t obtain a declare fee

No promo code is required. Use this hyperlink to make the most of the absolute best worth. It’s also possible to go to our devoted Figo promotions web page to study 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 if you happen to 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 fee

Use this hyperlink to make the most of the absolute best worth. No promo code is required. It’s also possible to 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 finances is important. Look under 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 among the solely suppliers we’ve reviewed to supply a 100% reimbursement choice. 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 a vast payout restrict from Figo instantly on their web site, whereas Embrace requires you to name in and communicate with a consultant earlier than this feature is obtainable. Due to these two issues, Figo comes out on high.

FIGO logo small

Plan Customization Winner: Figo

What’s The Verdict?

We predict Figo and Embrace are each glorious pet insurance coverage suppliers. Finally, it comes right down to Figo’s distinctive protection, extremely aggressive pricing, and barely sooner declare processing common. If you happen to didn’t discover what you have been searching for, our specialists 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 specialists have spent tons of of hours researching to deliver you our complete pet insurance coverage opinions, together with our high picks in addition to particulars on every of the most well-liked pet insurance coverage firms.

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

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