Figo vs Embrace: Which Has Better Coverage?

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

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

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.

Visit Figo’s Website | Visit Embrace’s Website

FigoEmbrace
Policy CoverageExtensiveExtensive
Customer Service & ReputationExcellent, StableExcellent, Stable
Claim Processing Average3 Days5 Days
Price Of PolicyLower On AverageHigher On Average
Plan CustomizationsMany OptionsMany Options
Overall WinnerBrown checkmark (Yes)Orange X (No or Not)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

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.

FigoEmbrace
Illness Waiting Period14 Days14 Days
Accident Waiting Period1 Day2 Days
Hip Dysplasia Waiting Period*6 Months6 Months
CCL Surgery Waiting Period6 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-
A
A
A+

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.

Policy Coverage Winner: Figo & Embrace (Tie)

Customer Service & Reputation

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

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.

Customer Service & Reputation Winner: Figo & Embrace (Tie)

Claim Processing

Doctor's office papers, pen and stethoscope (text in image: claim repayment 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.

FIGO logo small

Claim Processing Winner: Figo

Price Of Policy

Dog laying next to money: (text in image: pricing 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. Then use our pet insurance quote form to see how other top companies compare for your beloved pet.

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 for you. You can use our pet insurance quote form to get multiple company quotes when you complete this one-quick form. To see more quote examples, take a look at our pet insurance comparison page.

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

FIGO logo small

Price Of Policy Winner: Figo

Coupons

Figo

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. You can also visit our dedicated Figo promotions page to learn more.

Embrace

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. You can also visit our dedicated Embrace promotions page to learn more.

Plan Customization

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

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.

FigoEmbrace
Deductible Options$100, $250, $500, $750$200, $300, $500, $750, $1,000
Payout Options$5,000, $10,000, Unlimited$5,000, $8,000, $10,000, $15,000, $30,000, Unlimited (must call)
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. Additionally, we like that you can select an unlimited payout limit from Figo directly on their website, while Embrace requires you to call in and speak with a representative before this option is available. Because of these two things, Figo comes out on top.

FIGO logo small

Plan Customization Winner: Figo

What’s The Verdict?

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.

FIGO logo small

Overall Winner: Figo

Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

Tagged With: ,

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.

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.

Subscribe
Notify of
0 Comments
Inline Feedbacks
View all comments