Compare Embrace to Figo Pet Insurance

Figo Pet Insurance'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 Pet Insurance 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 Pet Insurance collects payment before it's due, doesn't offer direct deposit on claims, and doesn't offer a pro-rated refund upon cancellation.

Have more questions? Our Pet Insurance Advisors are here to help. Give us a call at (800) 779-1539 and we’ll walk you through it.


Select the pet insurance providers below to see how Embrace compares to other plans.

Plan Features
Preventative Care Plan
Reimbursement Method Deductible then Copay Copay then Deductible
One Comprehensive Policy
No Restrictions for Unspayed/Unneutered Pets
Payment Charged on Time 10 Days Early
No Per-item Behavioral Therapy Limits
Minimum Age of Enrollment Eligibility 6 Weeks 8 Weeks
No Exclusions for Eating Disorders
Pro-rated Premium Refunded Upon Cancellation
Direct Deposit Claim Reimbursement Available
Accident Waiting Period 2 Days 5 Days
Medical Waste Fee Coverage
Diagnostic Exam Fee Coverage Included
Covers Working, Law Enforcement, & Guarding Activities Extra Cost
Medical Records Requirement 12 Months 24 Months
No Annual Wellness Visit Required
Covers Vaccine-Preventable Conditions
Dental Illness Coverage
No Annual Dental Exam Required
No Charge for Paying Annually $10 Fee
Pets Covered Internationally

22 Reasons to Consider Embrace over Figo Pet Insurance

Embraced Dog Hank

1. Figo Pet Insurance Doesn’t Offer a Wellness Plan

Figo Pet Insurance covers only accidents and illnesses with no option for routine care reimbursement. 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 Pet Insurance’s policy. With Embrace, there’s no doubt you have total protection in sickness AND in health.

2. Embrace’s Reimbursement Method Gives More Money Back on Claims

Figo Pet Insurance calculates claims differentlythan 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.

3. Embrace Offers One Comprehensive Policy

Figo Pet Insurance has three policy options to pick from. With so many coverage level options, it can be difficult to figure out which plan is best. Embrace offers one simple yet comprehensive policy that covers every unexpected accident and illness and all treatment plan options.

4. Figo Pet Insurance Restricts Illness Coverage 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. Embrace Only Charges You When Payment is Due

Figo Pet Insurance charges payments 10 days early. If a policy begins 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.

6. No Per-item Behavioral Therapy Limits with Embrace

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. Pets Can Get Covered Sooner with Embrace

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. Embrace Covers 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 Cancellation

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. Embrace has Direct Deposit for 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. Embrace Offers the Industry’s Best Diminishing Deductible Feature

With Embrace’s Healthy Pet Deductible, your pet's annual deductible automatically goes down by $50 each year you don't receive an insurance-claim reimbursement. This is included with every policy at no extra charge.

12. Embrace Has a Shorter Accident Waiting Period than Figo Pet Insurance

Figo Pet Insurance has a five-day accident waiting period. Embrace Pet Insurance’s accident waiting period is only two days.

13. Embrace Includes Coverage for Medical Waste Fees

This fee is usually under $10 but it’s still part of the bill – and if your pet is seen weekly or monthly, it can add up. Figo Pet Insurance doesn’t cover this fee. Embrace includes this coverage in our policy at no extra cost.

14. Figo Pet Insurance Doesn’t Reimburse Exam Fees

Figo Pet Insurance does not include the exam fee in their reimbursement. Visiting an emergency hospital, or even going to a scheduled visit at a primary veterinarian or veterinary specialist, can include an expensive exam fee – sometimes well over $100. Not having coverage for these fees is like having to pay an extra deductible at every visit. Embrace believes that this fee should be covered.

15. No Riders Needed for Working Pets with Embrace

If a pet is a working pet (law enforcement, guarding, etc.), Figo Pet Insurance’s plan requires an extra rider at an additional cost to cover them. As long as you let us know your pet is involved in any of these activities at the start of your plan, or when your pet becomes involved in one of these activities, Embrace will cover them at no extra cost.

16. Embrace Requires Less Medical History to Process Claims

Figo Pet Insurance requires two years’ worth of medical records for pets in order to process claims. That means if a pet had one ear infection two years ago, it could be considered a pre-existing condition. Embrace only requires one year of medical records to process claims.

17. Figo Pet Insurance Requires Annual Wellness Vet Visits At Owner’s Expense

Figo Pet Insurance requires that all pets have an annual wellness visit in order to qualify for coverage. Since they do not offer any reimbursement for wellness exams, this is an out-of-pocket expense. While Embrace encourages you to see your vet annually (and reimburses for it with Wellness Rewards), there is absolutely no requirement.

18. Embrace Covers Diseases and Parasites that are Preventable by Vaccine

Figo Pet Insurance excludes coverage for diagnostics, treatments, and prevention of parasites or diseases that there is a vaccine available for. While Embrace encourages you to keep up with all recommended vaccines and prevention that your vet recommends, we do not exclude conditions that can be prevented by vaccine from coverage should your pet become ill.

19. Figo Pet Insurance Doesn't Offer Dental Illness Coverage

Figo Pet Insurance does not cover dental illnesses including gingivitis, malocclusions, periodontal disease, root canals, and more. They cover only accidental trauma (i.e. a fractured tooth). Embrace covers dental illnesses under our accident and illness insurance policy up to $1,000 per policy year.

20. No Annual Dental Exam Required with Embrace

In order to receive coverage for dental illnesses under Figo Pet Insurance’s plan, pets must undergo an annual dental exam at the owner’s expense. Embrace’s dental illness coverage doesn’t require any sort of annual checkup.

21. Embrace Doesn’t Charge Fees for Paying Annually

With Figo Pet Insurance’s policy, they charge a $10 “full pay fee” if the premium is paid annually. Embrace doesn’t believe you should be penalized for paying your premium in full – you’ll actually save $12 by paying annually as the $1 monthly service fee is waived.

22. Figo Pet Insurance Doesn’t Cover Pets Internationally

Figo Pet Insurance’s policy only covers pets in the United States and Canada. Embrace covers your pet wherever you travel, even when traveling internationally for up to six months.