Embrace vs Figo
Customizable plans, bigger discounts, fewer excluded fees
 | Figo |
|---|---|
Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
Deductibles $200-$1,000; annual limits $5,000 to unlimited. | More limited choices, which may not suit every budget. |
Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
10% for each additional pet. | 5% when you enroll two or more pets. |
Full policy term + 60 days. | 180 days from the vet visit. |
| Plan features |  | Figo |
|---|---|---|
| Type of insurance | Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
| Annual coverage limit & deductible | Deductibles $200-$1,000; annual limits $5,000 to unlimited. | More limited choices, which may not suit every budget. |
| Veterinary admin fees | Covered to help maximize the amount of your reimbursement. | Not covered, leaving more to pay out-of-pocket. |
| Multi-pet discount | 10% for each additional pet. | 5% when you enroll two or more pets. |
| Window to submit claims | Full policy term + 60 days. | 180 days from the vet visit. |
| Get your quote |
With Embrace, an accident-only plan is an option, not an afterthought.
Protection against the unexpected, at a premium that reflects it.
With Embrace, admin fees on the invoice are part of the claim.
You didn't choose the paperwork charge, so you shouldn't absorb it alone. Especially when those fees add up to what feels like the cost of another deductible.
Let’s get your pet covered
30-day money-back guarantee*
10% multi-pet discount**
No obligation, see your price in just 2 minutes
Where Embrace wins over Figo
Flexibility with your budget in mind
Embrace makes it simple to tailor coverage to your pet's health needs and your budget. With more deductible and reimbursement options, you can find the right balance between affordability and protection.
Figo's narrower choices make it harder to build a plan that genuinely fits.More time to submit a claim
Embrace allows submission of claims for the full policy term plus 60 days after renewal, leaving you with more time to focus on the needs of your pet.
Figo's window closes 180 days after the vet visit — half a year sounds ample until treatment runs long and records arrive late.Save more with multi-pet discounts
Pet parents with more than one animal save more with Embrace by offering a 10% discount when you add an additional pet.
Figo's offer a 5% discount when you add two or more pets.Admin fees covered, not excluded
Figo doesn't include admin fees, leaving you with to pay more out of pocket with every vet invoice.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. The descriptions of other providers' plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com
*Assuming no claims have been filed
** NY and WA residents receive 5% (not 10%)