Skip to content

Figo vs Embrace: Which Has Higher Protection?


    To maintain the lights on, we obtain affiliate commissions through a few of our hyperlinks. Our evaluate course of.

    Golden retriever dog and puppy in a puddle with umbrella

    You’ve narrowed your decisions down between Figo and Embrace to determine which pet insurance coverage supplier is healthier to your canine. Each firms provide in depth protection and numerous plan customization choices. Nevertheless, 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 resolution.

    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 situations, euthanasia, hereditary situations, congenital situations, non-routine dental remedy, and prescription medicines.

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

    Figo gives a shorter ready interval for accidents. Nevertheless, Embrace supplies protection for examination charges at no further price. Embrace’s underwriter has a barely higher A.M. Greatest ranking (a measurement of economic stability). Each are good scores, however Embrace’s is a little bit bit higher.

    One other key deciding issue for you might be the age restrictions connected to Embrace, which doesn’t enroll pets older than 14 years outdated for sickness protection. Nevertheless, in case you’re enrolling your pet earlier than their 14th birthday, this received’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 in depth protection with affordable ready durations.

    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 damaging critiques relate to parts of or complete claims going unpaid. These claims are often for pre-existing situations (that are excluded from all pet insurance coverage protection), ineligible situations or diseases (equivalent to wellness-related claims), or medical remedy throughout the ready interval. Prospects additionally anticipate a extra good portion of their declare to be reimbursed, however declare reimbursement is predicated on the deductible, reimbursement share, and payout restrict they choose upon enrollment.

    For this reason it is best to learn your pet insurance coverage coverage totally, 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 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 absolutely perceive what is just not coated by their coverage. Figo and Embrace nonetheless have glorious customer support critiques and are aware of their clients’ 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 quicker document. 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 price of $15 and a $2 transaction price, whereas Embrace has a $25 one-time price and a $1 transaction price monthly. Each firms will omit the transaction price in case you decide to pay yearly as a substitute of month-to-month however the one-time price 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 advocate acquiring quotes from every firm to your particular pet. You can too go to our pet insurance coverage comparability quotes to see just a few pattern costs we’ve gathered. Then use our pet insurance coverage quote kind to see how different prime firms evaluate for your loved one pet.

    Figo virtually all the time got here out inexpensive than Embrace within the quotes we’ve run. Nevertheless, keep in mind that it’s all the time greatest to get quotes to your particular canine to check what pet insurance coverage might price for you. You should use our pet insurance coverage quote kind to get a number of firm quotes once 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 robotically goes down $50 every year you don’t obtain a declare cost

    No promo code is required. Use this hyperlink to make the most of the very best value. You can too go to our devoted Figo promotions web page to study 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 in case you pay yearly
    • As much as 25% off for eligible USAA clients
    • Your deductible robotically goes down $50 every year you don’t obtain a declare cost

    Use this hyperlink to make the most of the very best value. No promo code is required. You can too 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 price range is important. Look under 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. This can be a large differentiator from different pet insurance coverage firms 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 that you would be able to choose an infinite payout restrict from Figo instantly on their web site, whereas Embrace requires you to name in and communicate with a consultant earlier than this selection is accessible. 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 right down to Figo’s distinctive protection, extremely aggressive pricing, and barely quicker declare processing common. For those who didn’t discover what you have been in search of, our specialists have gone in-depth with particular person critiques of Figo and Embrace so you’ll be able to dig deeper into your comparability.

    FIGO logo small

    General Winner: Figo

    Our specialists have spent tons of of hours researching to convey 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 firms.

    For those who want to see winners by class, we award the most effective value, a number of pets, 100% reimbursement, limitless payouts, and “greatest for” classes, together with puppies, older canine, dental, wellness protection, bilateral situations, behavioral remedy, and extra in our greatest pet insurance coverage comparability. You’ll even see winners for unique pets and cats.

    Tagged With: ,