Figo vs Embrace

FIGO and Embrace are two of the most admired brands in the American pet insurance market. FIGO was born out of a Google incubator in Chicago as a technology-focused pet insurance provider. Embrace was born just down the street from Progressive Insurance in Cleveland with a focus on providing a better pet insurance experience for pet parents.

While both providers are a great option, respectively, the most notable difference between the two is that FIGO only offers an accident & illnesses care plan and Embrace offers both an accident & illness plan plus optional wellness coverage.

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FIGO Pet InsuranceEmbrace Pet Insurance
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Overall Rating:
Total Reviews:1,08710,722
Deductible:$50 - $500$200 - $1,000
Reimbursement:70% - 100%70 - 90%
Annual Limit:$10,000 - Unlimited$5,000 - $30,000
Company Profile:Company Overview Company Overview
Waiting Period for Accidents:5 days2 days*
Waiting Period for Illnesses:14 days14 days
Waiting Period for Orthopedic Coverage:6 months *6 months**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Optional
Vet Restrictions:NoneNone

FIGO Pet Insurance Enrollment Requirements

Six months for knee issues *

Embrace Pet Insurance Enrollment Requirements

  • Maximum age for enrollment in full accident & illness coverage is 14 years
  • Pets older than 15 are eligible for an accident-only policy
  • Minimum age for enrollment is six weeks
  • Pets must have been examined by a licensed veterinarian in the 12 months prior to the policy start date. If there is no noted exam prior to the policy start date, an exam is required within the first 14 days of the policy.
  • Pet parents can cancel policies immediately over the phone with no penalty
  • Claims must be submitted within the policy year plus 60 day

Other Provisions

  • There is a defined appeal process for claims
  • Reimbursement method: Direct deposit or check
  • Prescription medications: Included with all accident and illness policies
  • There is a 14-day waiting period for illnesses
  • * There is a 2-day waiting period for accidents in most states
  • ** There is a 6-month waiting period for orthopedic conditions for dogs only. This can be reduced by following Embrace‚Äôs Orthopedic Exam and Waiver Process