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Home » Figo vs Embrace: Which Has Higher Protection?

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 on your canine. Each corporations provide intensive protection and varied 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 towards each other and clarify why we rank one higher than the opposite. We level out their similarities and variations that can assist you really feel empowered to make an knowledgeable choice.

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 assessments, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, power 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. Nonetheless, Embrace gives protection for examination charges at no further payment. Embrace’s underwriter has a barely higher A.M. Finest score (a measurement of monetary stability). Each are good scores, however Embrace’s is a bit of 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issue for you might be the age restrictions hooked up to Embrace, which doesn’t enroll pets older than 14 years outdated for sickness protection. 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 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 provide intensive protection with affordable 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 unfavourable critiques relate to parts of or complete claims going unpaid. These claims are often for pre-existing circumstances (that are excluded from all pet insurance coverage protection), ineligible circumstances or diseases (reminiscent of 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.

That is why you must learn your pet insurance coverage coverage solely, 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 purpose 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 isn’t lined by their coverage. Figo and Embrace nonetheless have glorious customer support critiques 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. However, Embrace pays most of its claims inside 5 days.

Each corporations have a historical past of processing claims in a well timed style, with Figo having a barely sooner 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 30 days. Each corporations will omit the transaction payment if you happen to 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 except 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 so on.). We suggest acquiring quotes from every firm on your particular pet. You may as well 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 prime corporations examine for the one that you love pet.

Figo virtually all the time got here out cheaper than Embrace within the quotes we’ve run. Nonetheless, keep in mind that it’s all the time finest to get quotes on your particular canine to match what pet insurance coverage may price for you. You should use 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

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 annually you don’t obtain a declare fee

No promo code is required. Use this hyperlink to benefit from the absolute best value. You may as well go to our devoted Figo promotions web page to be taught 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 if you happen to pay yearly
  • As much as 25% off for eligible USAA clients
  • Your deductible mechanically goes down $50 annually you don’t obtain a declare fee

Use this hyperlink to benefit from the absolute best value. No promo code is required. You may as well 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 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 likely one of the solely suppliers we’ve reviewed to supply a 100% reimbursement choice. It is a massive differentiator from different pet insurance coverage corporations and could also be what some pet dad and mom wish to present extra expense protection on the time of an emergency. Moreover, we like you could choose a limiteless 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 offered. 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 glorious 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. If you happen to 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 possibly can 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 critiques, together with our prime picks in addition to particulars on every of the most well-liked pet insurance coverage corporations.

If you happen to desire to see winners by class, we award the most effective value, a number of pets, 100% reimbursement, limitless payouts, and “finest for” classes, together with puppies, older canine, 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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