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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 InsuranceEmbrace
Three Flexible Plans for Illness & InjuryIncludedNot included or some inclusions
Unlimited Lifetime Benefit PlanIncludedNot included or some inclusions
One Annual DeductibleIncludedIncluded
100% Reimbursement OptionIncludedNot included or some inclusions
No Per Incident Cap on ClaimsIncludedIncluded
Illness Waiting Period 14 Days or BetterIncludedIncluded
No Upper Age LimitsIncludedIncluded
Chronic ConditionsIncludedIncluded
Congenital & Hereditary Conditions (included)IncludedIncluded
Hip Dysplasia (without additional caps or age limits)IncludedIncluded
Advanced Cancer TreatmentsIncludedIncluded
Chiropractic & Acupuncture (included)IncludedIncluded
Prescription Medications (included, without additional cap)IncludedIncluded
Mobility DevicesIncludedIncluded
Diagnostic ServicesIncludedIncluded
Euthanasia & Cremation (included)IncludedIncluded
Examination & Consultation Fees (optional)IncludedIncluded
Rehabilitation (optional, without additional cap)IncludedIncluded
Pre-Existing ConditionsNot included or some inclusionsNot included or some inclusions
File Claim from Mobile AppIncludedIncluded
Real-time Claim Status with Push NotificationsIncludedNot included or some inclusions
Claim Close Time (within 7-10 business days)IncludedNot included or some inclusions
AI Claims AssistantIncludedNot included or some inclusions
Online Pet Cloud Account (and Mobile App)IncludedNot included or some inclusions
Pet Profile with Pet Tag IDIncludedNot included or some inclusions
24/7 Live Vet Chat (included for customers)IncludedNot included or some inclusions
Store Pet Records OnlineIncludedNot included or some inclusions
Reminders with Push NotificationIncludedNot included or some inclusions
Socially Connect with Other Pet ParentsIncludedNot included or some inclusions
Explore, Pet Friendly Location FinderIncludedNot included or some inclusions
Customer Service via Facebook MessengerIncludedNot included or some inclusions
Customer Service via Text MessagingIncludedNot included or some inclusions
Customer Service via Live Online ChatIncludedIncluded
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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.

 

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