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Figo vs. Embrace
See How We Compare
In searching for the best pet insurance plans, pet parents should pay close attention to the following differences when comparing Figo to Embrace’s coverage.
Figo Pet Insurance vs. Embrace
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| Insurance Plan Coverages | Figo Pet Insurance | Embrace |
|---|---|---|
| Three Flexible Plans for Illness & Injury | Included | Not included or some inclusions |
| Unlimited Lifetime Benefit Plan | Included | Not included or some inclusions |
| One Annual Deductible | Included | Included |
| 100% Reimbursement Option | Included | Not included or some inclusions |
| No Per Incident Cap on Claims | Included | Included |
| Illness Waiting Period 14 Days or Better | Included | Included |
| No Upper Age Limits | Included | Included |
| Chronic Conditions | Included | Included |
| Congenital & Hereditary Conditions (included) | Included | Included |
| Hip Dysplasia (without additional caps or age limits) | Included | Included |
| Advanced Cancer Treatments | Included | Included |
| Chiropractic & Acupuncture (included) | Included | Included |
| Prescription Medications (included, without additional cap) | Included | Included |
| Mobility Devices | Included | Included |
| Diagnostic Services | Included | Included |
| Euthanasia & Cremation (included) | Included | Included |
| Examination & Consultation Fees (optional) | Included | Included |
| Rehabilitation (optional, without additional cap) | Included | Included |
| Pre-Existing Conditions | Not included or some inclusions | Not included or some inclusions |
| File Claim from Mobile App | Included | Included |
| Real-time Claim Status with Push Notifications | Included | Not included or some inclusions |
| Claim Close Time (within 7-10 business days) | Included | Not included or some inclusions |
| AI Claims Assistant | Included | Not included or some inclusions |
| Online Pet Cloud Account (and Mobile App) | Included | Not included or some inclusions |
| Pet Profile with Pet Tag ID | Included | Not included or some inclusions |
| 24/7 Live Vet Chat (included for customers) | Included | Not included or some inclusions |
| Store Pet Records Online | Included | Not included or some inclusions |
| Reminders with Push Notification | Included | Not included or some inclusions |
| Socially Connect with Other Pet Parents | Included | Not included or some inclusions |
| Explore, Pet Friendly Location Finder | Included | Not included or some inclusions |
| Customer Service via Facebook Messenger | Included | Not included or some inclusions |
| Customer Service via Text Messaging | Included | Not included or some inclusions |
| Customer Service via Live Online Chat | Included | Included |
| Return to Comparison Page |
included
not included or some inclusions
Compare Figo to Embrace:
- 100% reimbursement coverage. Embrace does not offer a 100% reimbursement option, while Figo offers 100% reimbursement with all three plans, allowing pet parents to recoup their total covered pet medical expenses.
- Unlimited lifetime benefit plan. With Figo’s Unlimited Benefit Plan, there are no reimbursement caps within the policy year. Total reimbursement for covered illnesses and injuries will be subject only to deductible and reimbursement rates selected at purchase. Embrace does not offer an unlimited benefit plan—limiting the treatment costs they will cover each year.
- Faster claims close times. Figo’s average time to close a claim is 7-10 days; Embrace’s average claim close time is 10-15 days.
If you have questions regarding our pet insurance plans and coverages, check out our FAQs or contact our customer experience team.