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FIGO vs. Embrace Pet Insurance

FIGO PET INSURANCE, LLC* (FIGO) and Embrace are two of the best pet insurance plans in America. Learn More

 Figo Pet Insurance
 Embrace Pet Insurance
Average Price
$20 - 35/mo.
$40 - 68/mo.
A.M. Best Rating NA A+
BBB Rating A+ A+
Customer Satisfaction 89% 92%
Total Reviews 312 reviews 8,525 reviews
Deductible $50 - 500
$100 - 1,000
Reimbursement 70 - 100%
65 - 90%
Annual Limit $10k - Unlimited $5,000 - 15,000
Profile Page
Figo Overview Embrace Overview
Waiting Period for Accidents 5 days 2 days*
Waiting Period for Illnesses 14 days 14 days
Waiting Period for Orthopedic Coverage 6 mos. for knees
6 mos.
Emergency Care
Cancer Coverage
Orthopedic Issues
Hereditary Conditions
Chronic Conditions
Prescription Meds For additional cost
Dental - Accidents
Cancer Coverage
Wellness Coverage
X Optional
Vet Restrictions None None

Note: Pet insurance does not cover pre-existing conditions

*Most states have a 2-day waiting period, some are 14 days

FIGO Enrollment Requirements

Six month waiting period for knee related issues but a waiver is offered if your pet gets a clean bill of health from an exam within 30 days after enrollment, no additional waiting period for hip dysplasia Enrollment Conditions - Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to enrollment, otherwise the first exam after enrollment will determine if there are any pre-existing conditions.

Embrace Enrollment Requirements

Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Original Start Date for your Pet(s) as shown on the Schedule Page(s) or within fourteen (14) days after the Original Start Date.


The biggest difference between FIGO and Embrace is that Embrace offers more customized options including wellness care. FIGO does not have the option to cover wellness or routine care.

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