Compare Embrace to Figo Pet Insurance

When comparing Figo's pet insurance coverage to Embrace, the difference is in the details. In the pet insurance comparison chart below, you’ll find important policy factors to consider when deciding if Figo is right for you. If you’re looking for additional information on Figo, you can find a more comprehensive explanation of these features below the chart.


Plan Features Embrace Pet Insurance Logo Figo Pet Insurance
Optional Routine Care Plan Yes No
Reimbursement Method Deductible then Co-pay Co-pay then Deductible
One Comprehensive Policy Yes No
No Coverage Restrictions for Unspayed/Unneutered Pets Yes No
Payment Collection When Premium is Due 10 Days Early
No Per-item Behavioral Therapy Limits Yes No
Age of Enrollment Eligibility 6 Weeks 8 Weeks
Coverage for All Eating Disorders Yes No
No Premium Kept at Cancelation Yes No
Direct Claim Reimbursement Yes No
Diminishing Deductible Feature Yes No

Important Facts about Figo That Could Affect Your Pet's Coverage

Figo's policy can limit your pet's coverage in a variety of ways. They have coverage restrictions for unspayed/unneutered pets, don't cover certain eating disorders, and have itemized limits on behavioral therapy, all of which can leave you with an expensive vet bill should your pet experience these issues. In addition, Figo doesn't offer a routine care plan, so you'll have to cover those expenses on your own. Finally, you'll want to watch your money as Figo collects payment before it's due, doesn't offer direct deposit on claims, and doesn't offer a pro-rated refund upon cancelation.

11 Reasons to consider Embrace over Figo Pet Insurance

1. Optional Routine Care Plans

Figo Pet Insurance 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.

Without the option of a wellness plan there are gaps in Figo’s policy. With Embrace there’s no doubt that you have total protection in sickness AND in health.

2. Larger Claim Reimbursements

Figo Pet Insurance calculates claims differently than Embrace, subtracting the co-pay off the claimed amount first and then subtracting the deductible, which leads to 7-10% lower reimbursement for claims under $1,000. Embrace calculates claim reimbursements by first subtracting the deductible and then taking off the co-pay. You'll get more money back with Embrace's method of reimbursement.

3. One Comprehensive Policy

Figo Pet Insurance has three policy options to pick from. With so many coverage level options, it can be difficult for you to find what’s best for your furry friend. Embrace offers one simple yet comprehensive policy.

4. No Coverage Restrictions for Unspayed/Unneutered Pets

Figo Pet Insurance does not cover illnesses related to prostate issues, hormonal skin problems, mammary tumors, uterine and ovarian conditions, injury for fighting, and much more if a pet is not spayed or neutered before their first birthday. Embrace does not believe in restricting coverage for anything if you choose not to spay or neuter your dog or cat.

5. Payments Collected on Time

Figo Pet Insurance charges your payment 10 days early. If you begin your policy on September 1, October’s payment will be due on September 20. Embrace does not charge any early payments, you are only charged when your premium is due.

Plus, if your pay Figo Pet Insurance for the year using a debit or credit card, there is a $10 fee. Embrace does not charge an annual fee no matter your payment method.

6. No Per-item Behavioral Therapy Limits

Figo Pet Insurance has itemized limits under each of their policies for behavioral therapy, diagnostic testing, and consultations. Embrace allows you to use the annual maximum however you see fit. You can even use the full annual limit for one condition if needed.

7. Lower Age to Enroll

Figo Pet Insurance does not insure pets under eight weeks old. Embrace allows you to begin coverage for pets six weeks and older so that you can get them covered sooner.

8. Coverage for All Eating Disorders

Figo Pet Insurance does not cover some eating disorders including coprophagia (consumption of feces). While it is certainly icky, Embrace does not exclude coverage for your pet’s eating disorders as long as they are not pre-existing.

9. No Premium Kept at Cancelation

When canceling Figo Pet Insurance after the first 30 days, there is a partial refund given back to you minus 10% that they keep. Embrace returns the full pro-rated refund to you without any additional withholdings.

10. Direct Claim Reimbursement Available

Figo Pet Insurance does not have the option to reimburse claims to a checking account directly, the only way to receive them is via check in the mail. Embrace offers you claim reimbursement via check or direct deposit to get your money back quicker.

11. Diminishing Deductible Feature

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 April 2018. Figo is underwritten by Markel American Insurance Company.
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