FIGO Pet Insurance vs. Embrace

FIGO and Embrace are two top-rated pet insurance companies that have been making some waves in the industry. FIGO’s strong suit is its ultimate plan which offers no annual claim limit while Embrace’s highlight is its Optional Wellness Rewards Product without line-item limits. Want to know which of the two offers a plan that is more suited for your beloved pet? Here’s a comparative look to help you decide.


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	11,426	60,228
Deductible:	$250 or $500	$100 - $1,000
Reimbursement:	70%, 80%, or 90%	70%, 80%, or 90%
Annual Limit:	$10,000 - Unlimited	$5,000 - Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	1 day*	0 days
Waiting Period for Illnesses:	14 days	14 days
Waiting Period for Orthopedic Coverage:	6 months *	Orthopedic conditions have additional waiting or exclusion periods that vary by state.
Emergency Care:	Included	Included
Accidents:	Included	Included
Illnesses:	Included	Included
Cancer Coverage:	Included	Included
Orthopedic Issues:	Included	Included
Hereditary Conditions:	Included	Included
Chronic Conditions:	Included	Included
Prescription Meds:	Included	Included
Wellness Coverage:	Optional	Optional
Vet Restrictions:	None	None

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FIGO vs. Embrace

FIGO and Embrace are two of the most admired brands in the American pet insurance market. FIGO was born out of a Google incubator in Chicago as a technology-focused pet insurance provider. Embrace was born just down the street from Progressive Insurance in Cleveland with a focus on providing a better pet insurance experience for pet parents.

While both providers are a great option, respectively, the most notable difference between the two is that FIGO only offers an accident & illnesses care plan and Embrace offers both an accident & illness plan plus an optional wellness plan.

FIGO Review

Even though it is relatively new in the game, FIGO receives a respectable ratings from its customers. This insurer has one of the lowest deductibles at $50-$500 and boasts of reimbursement of 70%-100%.

All three of FIGO’s pet insurance plans include emergency care. Your beloved pet will just have to go through the 5-day waiting period for accidents and a 14-day waiting period for illnesses coverage.

Embrace Review

Receiving a high overall rating from pet parents, Embrace is one of the most trusted brands when it comes to pet health insurance. You’ll pay a deductible of $200-$1,000 with this insurer and reimbursement is at 70% – 90% of the vet bill.

Embrace’s comprehensive plan includes emergency care. A 14-day waiting period is required before coverage for illnesses is in force.

Coverage Comparison

FIGO offers three insurance plans with varying levels of coverage and annual limits while Embrace has one plan that you can easily customize to suit your pet’s specific needs and your budget. So if you want to go for a done-for-you plan, FIGO may be a good option. But if you want a more hands-on approach to creating an insurance plan tailored for your fur baby, Embrace is a good bet.

Price Comparison

FIGO generally has a very competitive price, but they do charge a one-time enrollment fee of $9. On the other hand, since you can personalize Embrace’s plan, you can have one that’s well within your budget. And they even offer a 10% multi-pet discount and 5% military discount.

Before you commit to anything, getting quotes from these two companies is the best way to go. This way, you know which insurer is giving you a better deal for the exact same coverage.

Other Side-by-Side Comparisons

Compare FIGO

Compare Embrace

Figo Pet Insurance Enrollment Requirements

There is a 6-month waiting period for both hip dysplasia and orthopedic conditions. Both can be waived if the exam/waiver form is completed by a veterinarian within the first 30 days of the policy period and there are no pre-existing issues.

Embrace Pet Insurance Enrollment Requirements

There is a $25 enrollment fee.
The maximum enrollment age for full accident and illness coverage is 14 years old.
Pets older than 15 are eligible for an accident-only policy.
The minimum age for enrollment is six weeks.
Pets must be examined by a licensed veterinarian 12 months before the policy start date. If there is no noted exam before the policy start date, an exam is required within the first 14 days of the policy.
Pet parents can cancel policies immediately over the phone with no penalty.
Claims must be submitted within the policy year plus 60 days.

Other Provisions

There is a defined appeal process for claims.
Reimbursement method: direct deposit or check.
Prescription medications are included with all accident and illness policies.
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state

*Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.