Pet Insurance

Figo vs Embrace: Which Has Better Coverage?


Last Updated: April 30, 2024 | 4 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Golden retriever dog and puppy in a puddle with umbrella

You’ve narrowed your choices down between Figo and Embrace to decide which pet insurance provider is better for your dog. Both companies offer extensive coverage and various plan customization options. However, there’s a noticeable difference in their pricing, which depending on your unique need, could be your deciding factor.

We pit Figo and Embrace against one another and explain why we rank one better than the other. We point out their similarities and differences to help you feel empowered to make an informed decision.

Policy CoverageExtensiveExtensive
Customer Service & ReputationExcellent, StableExcellent, Stable
Claim Processing Average3 Days5 Days
Price Of PolicyLowerHigher
Plan CustomizationsManyMany
Overall WinnerBrown checkmark (Yes)
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Policy Coverage

Policy Coverage Tie

The table below shows specifically what Figo and Embrace cover.

Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications.

Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Illness Waiting Period*14 Days14 Days
Accident Waiting Period*1 Day2 Days
Hip Dysplasia Waiting Period*6 Months6 Months
CCL Surgery Waiting Period*6 Months6 Months
Behavioral TherapiesBrown checkmark (Yes)Brown checkmark (Yes)
Alternative/Holistic TherapyBrown checkmark (Yes)Brown checkmark (Yes)
Wellness Care For An Extra FeeBrown checkmark (Yes)Brown checkmark (Yes)
Exam FeesExtra FeeBrown checkmark (Yes)
UnderwriterIndependence American Insurance Company (IAIC)
Markel American Insurance Company
Markel Insurance Company
American Modern Property and Casualty Insurance Company
A.M. Best RatingA-

*Waiting periods for California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, and Washington are as follows:

  • Accidents - 0 days
  • Illnesses - 14 days
  • Cruciate Ligament Conditions - 30 days
  • Routine Care - 0 days

Figo offers a shorter waiting period for accidents. However, Embrace provides coverage for exam fees at no extra fee. Embrace’s underwriter has a slightly better A.M. Best rating (a measurement of financial stability). Both are good ratings, but Embrace’s is a little bit better.

Another key deciding factor for you may be the age restrictions attached to Embrace, which doesn’t enroll pets older than 14 years old for illness coverage. However, if you’re enrolling your pet before their 14th birthday, this won’t be a concern since they will continue coverage for your older dog so long as your policy and premium payments are current when your pet turns 14.

Other than these slight differences, we feel both companies offer extensive coverage with reasonable waiting periods.

Customer Service & Reputation

Customer Service & Reputation Tie

For both Figo and Embrace, most negative reviews relate to portions of or entire claims going unpaid. These claims are usually for pre-existing conditions (which are excluded from all pet insurance coverage), ineligible conditions or illnesses (such as wellness-related claims), or medical treatment during the waiting period. Customers also expect a more significant portion of their claim to be reimbursed, but claim reimbursement is based on the deductible, reimbursement percentage, and payout limit they select upon enrollment.

This is why you should read your pet insurance policy entirely, so you understand what is and isn’t covered before buying. We don’t fault Figo or Embrace for these complaints because they exist for all insurance providers.

To avoid this disconnect, we aim to educate pet parents on all the ins and outs of pet insurance before they purchase. Then, should an emergency arise, they fully understand what is not covered by their policy. Figo and Embrace still have excellent customer service reviews and are responsive to their customers’ needs.

Claim Processing

Claim Processing Winner

Figo averages a three-day claim process, with about 50% closed within 24 hours. On the other hand, Embrace pays most of its claims within five days.

Both companies have a history of processing claims in a timely fashion, with Figo having a slightly faster record. So we declare Figo the winner of this category.

Price Of Policy

Price Of Policy Winner

Figo requires a one-time fee of $15 and a $2 transaction fee, while Embrace has a $25 one-time fee and a $1 transaction fee per month. Both companies will omit the transaction fee if you opt to pay annually instead of monthly but the one-time fee is to cover the cost of new enrollment, so it is unlikely to be waived by either provider unless you live in a state that does not allow this charge.

Your premium price quote is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered.

Figo almost always came out less expensive than Embrace in the quotes we’ve run. However, remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost you. You can use our pet insurance quote form to get multiple company quotes when you complete this one quick form.

Additionally, both companies have annual deductibles, which is important if your pet experiences multiple accidents or illnesses during the policy period (one year).



Figo offers the following discounts:

  • 5% off any new Figo pet insurance policy (exclusive for Canine Journal readers – use this link)
  • 5% off for multiple pets 
  • Your deductible automatically goes down $50 each year you don’t receive a claim payment

No promo code is needed. Use this link to take advantage of the best possible price.


Embrace offers the following discounts:

  • 10% off (5% off in NY) for multiple pets 
  • 5% off for military and veterans (NY and TN excluded)
  • 10% off if your company or clinic offers Embrace as an employee benefit (FL, ND, NY, and TN excluded)
  • 5% off in NY if you pay annually
  • Up to 25% off for eligible USAA customers
  • Your deductible automatically goes down $50 each year you don’t receive a claim payment

Use this link to take advantage of the best possible price. No promo code is needed.

Plan Customization

Plan Customization Winner

Finding a company with the coverage you need that fits your budget is essential. Look below to see what plan options are offered by each provider.

Deductible Options$100, $250, $500, $750$100, $250, $500, $750, $1,000
Payout Options$5,000, $10,000, Unlimited$5,000, $8,000, $10,000, $15,000, Unlimited
Reimbursement Options70%, 80%, 90%, 100%70%, 80%, 90%

Figo is one of the only providers we’ve reviewed to offer a 100% reimbursement option. This is a big differentiator from other pet insurance companies and may be what some pet parents want to provide more expense coverage at the time of an emergency. Because of this, Figo comes out on top.

What’s The Verdict?

Overall Winner

We think Figo and Embrace are both excellent pet insurance providers. Ultimately, it comes down to Figo’s exceptional coverage, highly competitive pricing, and slightly faster claim processing average. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Figo and Embrace so you can dig deeper into your comparison.

Our experts have spent thousands of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks, along with details on each of the most popular pet insurance companies. So, if you want to know how other providers compare against one another, you may find this review helpful in your pet insurance search.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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