Embrace vs. FIGO Pet Insurance: In-Depth Comparison [2022]

What’s The Difference Between Embrace & FIGO Pet Insurance Plans?

Thank you for visiting our guide to comparing Embrace and FIGO pet insurance plans. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Embrace and FIGO side by side, as well as other major pet insurers.

Embrace & FIGO: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Embrace and FIGO, as well as many of the other top pet insurance brands.

Company

Company

Pets Best

Lemonade

ManyPets

Trupanion

FIGO

HealthyPaws

Prudent Pet

Embrace

Wagmo

Annual Coverage

Annual Coverage

$5,000 or Unlimited

Up To $100,000

Unlimited

Unlimited

$5,000 or Unlimited

Unlimited

$10,000 or Unlimited

$5,000 - $30,000

Unlimited

Multi-pet Discount?

Multi-pet Discount?

Yes

Yes

No

No

Yes

No

Yes

Yes

No

What They Do Best

What They Do Best

Best for plan customization

Great pricing for puppies & kittens

$0 copay option. No fees for paying monthly.

Best for paying claims to veterinarian direct

Short waiting periods

Best for paying claims fast

Best Trustpilot reviews

Best plan for superior benefits

Fast claims. Wellness plan available.

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

iHeartDogs Customer Rating ⭐⭐⭐⭐⭐

4.3 / 5

4.6 / 5

4.7 / 5

4.5 / 5

4.1 / 5

4.4 / 5

4.5 / 5

4.5 / 5

4.1 / 5

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)

Yes

Yes

Yes

No

No

No

No

Yes

Yes

Example Quote for 1 Year Old 30 lb Mixed Breed

Example Quote for 1 Year Old 30 lb Mixed Breed

$35.81 per month

$20.00 per month

$30.00 per month

$68.25 per month

$69.30 per month

$26.25 per month

$73.46 per month

$42.35 per month

$15.00

Reimbursement Amount

Reimbursement Amount

90%, 80%, or 70%

90%, 80%, or 70%

90%, 80%, or 70%

90%

100%, 90%, 80%, or 70%

90%, 80%, 70%, 60%, or 50%

90%, 80%, or 70%

90%, 80%, or 70%

100% or 90%

Annual Deductible

Annual Deductible

$50, $100, $200, $250, $500, or $1,000

$100, $250, or $500

$100, $250, or $500

$0 to $1,000

$100, $250, $500, or $750

$100, $250, $500, $750, or $1,000

$100, $250, $500, or $1,000

$200, $300, $500, $750, or $1,000

$250, $500, or $1,000

Get Quote

Get Quote

Get Quote

Get Quote

Get Quote

Get Quote

Get Quote

Get Quote

Get Quote

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Free Side by Side Quote Comparison Between Embrace and FIGO

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Common Questions About Embrace Vs. FIGO

Coverage Amounts: Embrace vs. FIGO

Embrace’s annual coverage ranges from $5,000 to $30,000 depending on your plan, while FIGO’s coverage could either max out at $5,000 or be unlimited. Of course, it depends on the reason for your visit, but $5,000 should be enough to cover many veterinary procedures (especially within a one-year period.)

Multi-Pet Discounts: Embrace vs. FIGO

Both Embrace and FIGO offer a discount for multiple pets, making either plan a good choice for multi-pet parents looking to save.

What are the Reimbursement Amounts for Embrace vs. FIGO?

Embrace’s reimbursement options are 90%, 80%, or 70%. FIGO’s reimbursement options range from 100%, 90%, 80%, or 70%. The higher your reimbursement, the higher your premium will be. 

What is the Annual Deductible for Embrace vs. FIGO?

Embrace has several deductible options: $200, $300, $500, $750, or $1,000. FIGO also offers deductibles of $100, $250, $500, or $750. The higher the deductible, the lower your premium will be. 

Does Embrace or FIGO Offer a Wellness Plan for Preventative Care?

While FIGO does not have the wellness plan option, Embrace offers one. This means you invest in preventative care like annual exams and teeth cleanings, but it wouldn’t cover accidents or emergencies.

Who is Cheaper: Embrace or FIGO?

In most cases, we found Embrace to offer a more affordable price. In our example quote, Embrace beat out FIGO for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Embrace or FIGO is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Embrace or FIGO?

Overall, we give an edge to Embrace for their more affordable pricing with similar annual coverage, their wellness plan option and multi-pet discount. Both companies are very reputable and popular with iHeartDogs readers, with Embrace receiving 4.5 out of 5 stars and FIGO receiving 4.1 out of 5 stars.

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Compare Embrace and FIGO Pricing and Benefits Below