Embrace vs. Figo

With pet insurance, the difference is in the details. That's why we've compiled a list of important comparison points between Embrace and Figo Pet Insurance, so you can decide for yourself.


Logo Figo Pet Insurance
Optional Routine Care Plan True
Reimbursement Method Deductible then Copay Copay then Deductible
Diminishing Deductible True

Optional Routine Care Plan

Figo currently does not offer routine care coverage. Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs.

Reimbursement Method

Figo calculates claims differently than Embrace, subtracting the copay off the claimed amount first and then subtracting the deductible. Embrace calculates claim reimbursements by first subtracting the deductible and then taking off the copay. Embrace's method gets you more money back. If you have a $700 incident and a $200 deductible, Figo's method will cost you $40 more out of pocket.

Diminishing Deductible

Embrace is the only pet insurer to offer a diminishing deductible. With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive a claim reimbursement. This is included with every policy at no extra charge.

Information last updated July 2017. Figo is underwritten by Markel American Insurance Company.