Embrace vs. FIGO Pet Insurance: In-Depth Comparison [2022]


What’s The Difference Between Embrace & FIGO Pet Insurance Plans?

Thank you for visiting our guide to comparing Embrace and FIGO pet insurance plans. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Embrace and FIGO side by side, as well as other major pet insurers.

Embrace & FIGO: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Embrace and FIGO, as well as many of the other top pet insurance brands.

Company

Annual Coverage

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 – $30,000

Unlimited

Multi-pet Discount?

Multi-pet Discount?

Yes

Yes

No

No

Yes

No

Yes

Yes

No

What They Do Best

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care eg exams, dental, vaccines)

Wellness Plan Option? (preventative care eg exams, dental, vaccines)

Yes

No

Yes

No

No

No

No

Yes

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

Reimbursement Amount

90%, 80%, or 70%

90%, 80%, or 70%

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

90%, 80%, or 70%

100% or 90%

Annual Deductible

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

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Free Side by Side Quote Comparison Between Embrace and FIGO

To receive your no-obligation quote comparison between Embrace and FIGO, fill out the form below.

Common Questions About Embrace Vs. FIGO

Coverage Amounts: Embrace vs. FIGO

Embrace’s annual coverage ranges from $5,000 to $30,000 depending on your plan, while FIGO’s coverage could either max out at $5,000 or be unlimited. Of course, it depends on the reason for your visit, but $5,000 should be enough to cover many veterinary procedures (especially within a one-year period.)

Multi-Pet Discounts: Embrace vs. FIGO

Both Embrace and FIGO offer a discount for multiple pets, making either plan a good choice for multi-pet parents looking to save.

What are the Reimbursement Amounts for Embrace vs. FIGO?

Embrace’s reimbursement options are 90%, 80%, or 70%. FIGO’s reimbursement options range from 100%, 90%, 80%, or 70%. The higher your reimbursement, the higher your premium will be.

What is the Annual Deductible for Embrace vs. FIGO?

Embrace has several deductible options: $200, $300, $500, $750, or $1,000. FIGO also offers deductibles of $100, $250, $500, or $750. The higher the deductible, the lower your premium will be.

Does Embrace or FIGO Offer a Wellness Plan for Preventative Care?

While FIGO does not have the wellness plan option, Embrace offers one. This means you invest in preventative care like annual exams and teeth cleanings, but it wouldn’t cover accidents or emergencies.

Who is Cheaper: Embrace or FIGO?

In most cases, we found Embrace to offer a more affordable price. In our example quote, Embrace beat out FIGO for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Embrace or FIGO is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Embrace or FIGO?

Overall, we give an edge to Embrace for their more affordable pricing with similar annual coverage, their wellness plan option and multi-pet discount. Both companies are very reputable and popular with iHeartDogs readers, with Embrace receiving 4.5 out of 5 stars and FIGO receiving 4.1 out of 5 stars.

Run a No Obligation Comparison Quote Between Embrace and FIGO

[12] Embrace Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with Embrace and other major pet health insurance plans.

Overall Embrace received a 4.4 out of 5 rating:

⭐⭐⭐⭐⭐ – Responsive, good customer service and as a bonus now affiliated with USAA which is great for those of us who are members of USAA. – Embrace Pet Insurance review by Chris, Midlothian

⭐⭐⭐⭐ – Pays quickly; app makes filing claims easy. Don’t like that have to jump thru hoops to read the policy document. – Embrace Pet Insurance review by Laura, Unknown

⭐⭐⭐⭐ – My dog ​​got attacked by a pit bull causing $1110 in injuries.
The insurance paid within several days with no hassles or other delays. – Embrace Pet Insurance review by David, Ashburn

⭐⭐⭐⭐⭐ – I love how responsive they are and how quickly they pay a claim. I’ve had my dogs with them since 2006, their first year in business, and have never had a complaint. They cover genetic illnesses, and alternative medicine treatments in their regular accident and illness plan. Their premium rates doubled this year, but after reviewing other companies, they’re right in line with normal costs. – Embrace Pet Insurance review by Donna, Salisbury

[6] FIGO Pet Insurance Customer Reviews (2022)

iHeartDogs surveyed our readers in 2022 about their experience with FIGO and other major pet health insurance companies.

Overall FIGO received a 4.2 out of 5 rating:

⭐ – 6 vet visits, various reasons, ZERO claims paid. They find ANY reason to deny the claim. This is my third company for pet insurance — a complete waste of my money. – FIGO Pet Insurance review by Katie, Frisco

⭐⭐⭐⭐ – Haven’t filed a claim yet – FIGO Pet Insurance review by Dorothy, Phoenixville

⭐⭐⭐⭐⭐ – Very responsive and quick to process the claim. Have to pay extra to get routine wellness covered – FIGO Pet Insurance review by Stephanie, Independence

⭐⭐⭐⭐⭐ – I have nothing but good things to say about FIGO and the ease of claims and reimbursement. Thank-you FIGO for being there. – FIGO Pet Insurance review by Glen

⭐⭐⭐⭐⭐ – Service from staff has been great, only complaint: I’ve had this insurance for years and it was reasonable. Then FIGO switched providers in 2019 and the monthly fee doubled. Not such a great deal anymore. Can’t switch insurance because of pre-existing condition. – FIGO Pet Insurance review by Betty

⭐⭐⭐⭐⭐ – Excellent customer service. My claims took just a few hours to process. Top class platform. Transparent pricing. Can’t ask for more. Every pet owner should have a pet insurance and that too with Figo. – FIGO Pet Insurance review by Greg,

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