Embrace vs Figo pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- Figo offers a higher maximum reimbursement (100% vs 90%).
- Exam fees: Embrace — covered; Figo — add-on.
Side by side
| Feature | Embrace | Figo |
|---|---|---|
| Plan | Accident & Illness | Figo Pet Insurance Policy |
| Price level | $$ Mid-range | $$ Mid-range |
| Reimbursement | 70/80/90% | 70/80/90/100% |
| Annual limit (max) | Unlimited | Unlimited |
| Deductible | Annual | Annual |
| Exam fees | Covered | Add-on |
| Dental | Injury & disease | Injury & disease |
| Pays vet directly | No | No |
Show all rows
| Feature | Embrace | Figo |
|---|---|---|
| Alternative therapy | Included | Add-on |
| Accident wait | none | 1 day |
| Illness wait | 14 days | 14 days |
| Orthopedic wait | 6 mo | 6 mo |
| Wellness option | Yes | Yes |
| Multi-pet discount | 10% (plus 5% military discount) | None |
| Cured pre-existing | Can be covered | Can be covered |
| Enrollment age | New policies up to age 14. | No maximum enrollment age. |
| Availability | Sold in every state. | Sold in every state. |