Figo offers better pet insurance coverage for both cats and dogs than Embrace, ranking fifth nationally while Embrace ranks tenth. Both providers offer similar deductible options, annual limits and reimbursement rates, but Figo provides shorter accident waiting periods and more flexible coverage adjustment policies that allow pet owners to modify their plans within a specified timeframe after purchase.
Embrace vs. Figo Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Embrace vs. Figo Pet Insurance: Key Takeaways
Figo provides more affordable pet insurance rates, charging $30 monthly for middle-aged cats and $52 for dogs, while Embrace costs $46 and $77 respectively.
Embrace ranks sixth nationally in customer experience with a 4.1 Trustpilot rating, performing slightly better than Figo's seventh-place ranking and 3.9 rating.
Figo offers stronger coverage benefits, ranking fifth nationwide compared to Embrace's tenth-place position, with a two-day accident waiting period and wellness rewards as optional add-ons.
Is Embrace or Figo Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Figo | 8 | 12 |
| Coverage | Figo | 5 | 10 |
| Customer Experience | Embrace | 6 | 7 |
| Overall Score | Figo | 8 | 13 |
Embrace and Figo Comparison by State
Figo is the best pet insurance company in 3 states for cats and 2 states for dogs. For cat coverage, Figo leads in Arkansas, Nebraska and Vermont. The company ranks first for dog insurance in Iowa and New Jersey.
Data filtered by:
Overall Score
Dog
| Alabama | Figo | 8 | 4 |
| Alaska | Figo | 6 | 6 |
| Arizona | Figo | 7 | 5 |
| Arkansas | Figo | 5 | 6 |
| California | Figo | 9 | 5 |
| Colorado | Figo | 8 | 6 |
| Connecticut | Figo | 8 | 5 |
| Delaware | Figo | 8 | 5 |
| Florida | Figo | 8 | 4 |
| Georgia | Figo | 6 | 8 |
| Hawaii | Figo | 5 | 9 |
| Idaho | Figo | 8 | 3 |
| Illinois | Figo | 9 | 2 |
| Indiana | Figo | 8 | 5 |
| Iowa | Figo | 4 | 9 |
| Kansas | Figo | 8 | 4 |
| Kentucky | Figo | 8 | 4 |
| Louisiana | Figo | 7 | 6 |
| Maine | Figo | 10 | 3 |
| Maryland | Figo | 9 | 4 |
| Massachusetts | Figo | 9 | 5 |
| Michigan | Figo | 8 | 4 |
| Minnesota | Figo | 6 | 8 |
| Mississippi | Figo | 9 | 3 |
| Missouri | Figo | 8 | 5 |
| Montana | Figo | 8 | 4 |
| Nebraska | Figo | 5 | 6 |
| Nevada | Figo | 8 | 3 |
| New Hampshire | Figo | 7 | 7 |
| New Jersey | Figo | 4 | 9 |
| New Mexico | Figo | 6 | 6 |
| New York | Figo | 8 | 5 |
| North Carolina | Figo | 9 | 5 |
| North Dakota | Figo | 8 | 4 |
| Ohio | Figo | 8 | 6 |
| Oklahoma | Figo | 9 | 3 |
| Oregon | Figo | 9 | 5 |
| Pennsylvania | Figo | 9 | 3 |
| Rhode Island | Figo | 8 | 5 |
| South Carolina | Figo | 9 | 3 |
| South Dakota | Figo | 8 | 5 |
| Tennessee | Figo | 8 | 3 |
| Texas | Figo | 8 | 4 |
| Utah | Figo | 8 | 6 |
| Vermont | Figo | 5 | 8 |
| Virginia | Figo | 9 | 5 |
| Washington | Figo | 8 | 5 |
| West Virginia | Figo | 6 | 6 |
| Wisconsin | Figo | 8 | 5 |
| Wyoming | Figo | 6 | 6 |
Embrace vs. Figo Pet Insurance Cost
Figo offers more affordable pet insurance than Embrace across nearly all age groups for both cats and dogs. For middle-aged dogs, Figo costs $52 per month compared with Embrace's $77 per month. Middle-aged cats cost $30 monthly with Figo versus $46 with Embrace.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Figo | $10 | 50% |
| Young Cats | Figo | $16 | 42% |
| Puppies | Figo | $21 | 35% |
| Young Dogs | Figo | $30 | 33% |
| Middle Aged Cats | Figo | $30 | 35% |
| Middle Aged Dogs | Figo | $52 | 32% |
| Senior Cats | Embrace | $98 | 5% |
| Senior Dogs | Figo | $180 | 6% |
Embrace vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance across most categories nationwide, leading in pricing for middle-aged dogs and cats. Embrace only beats Figo's rates for senior cats, making Figo the more affordable choice overall.
Data filtered by:
Middle Aged Dogs
| Alabama | Figo | $39 | 32% |
| Alaska | Figo | $51 | 32% |
| Arizona | Figo | $64 | 32% |
| Arkansas | Figo | $35 | 32% |
| California | Figo | $66 | 32% |
| Colorado | Figo | $66 | 32% |
| Connecticut | Figo | $60 | 32% |
| Delaware | Figo | $52 | 32% |
| Florida | Figo | $59 | 32% |
| Georgia | Figo | $47 | 32% |
| Hawaii | Figo | $53 | 32% |
| Idaho | Figo | $52 | 32% |
| Illinois | Figo | $65 | 32% |
| Indiana | Figo | $47 | 32% |
| Iowa | Figo | $44 | 32% |
| Kansas | Figo | $47 | 32% |
| Kentucky | Figo | $41 | 32% |
| Louisiana | Figo | $42 | 32% |
| Maine | Figo | $64 | 32% |
| Maryland | Figo | $52 | 32% |
| Massachusetts | Figo | $67 | 32% |
| Michigan | Figo | $52 | 32% |
| Minnesota | Figo | $54 | 32% |
| Mississippi | Figo | $45 | 32% |
| Missouri | Figo | $41 | 32% |
| Montana | Figo | $44 | 32% |
| Nebraska | Figo | $47 | 32% |
| Nevada | Figo | $54 | 32% |
| New Hampshire | Figo | $61 | 32% |
| New Jersey | Figo | $59 | 32% |
| New Mexico | Figo | $46 | 32% |
| New York | Figo | $57 | 32% |
| North Carolina | Figo | $47 | 32% |
| North Dakota | Figo | $40 | 32% |
| Ohio | Figo | $48 | 32% |
| Oklahoma | Figo | $44 | 32% |
| Oregon | Figo | $65 | 32% |
| Pennsylvania | Figo | $55 | 32% |
| Rhode Island | Figo | $45 | 32% |
| South Carolina | Figo | $49 | 32% |
| South Dakota | Figo | $46 | 32% |
| Tennessee | Figo | $48 | 32% |
| Texas | Figo | $55 | 32% |
| Utah | Figo | $50 | 32% |
| Vermont | Figo | $49 | 32% |
| Virginia | Figo | $56 | 32% |
| Washington | Figo | $60 | 32% |
| West Virginia | Figo | $45 | 32% |
| Wisconsin | Figo | $56 | 32% |
| Wyoming | Figo | $48 | 32% |
Embrace vs. Figo Pet Insurance Discounts
Figo offers more pet insurance discounts than Embrace, with four ways to save compared to Embrace's two options. Both providers offer military and multiple pet discounts, while Figo adds association member and club membership benefits. The table below details each provider's specific discount offerings and savings amounts.
10% discount for insuring two or more pets on the same policy. | 5% to 10% multi-pet discount depending on state and policy. | |
Bundling | None | None officially advertised. |
Annual Pay-In Full | Slight discount when paying annually vs. monthly. | May waive monthly transaction fees, but no advertised discount. |
Association/Club Member | 5% military discount available in most states. | Occasional discounts through partners like Costco or alumni groups (availability varies). |
Employer Group | No employer-specific discount advertised. | No employer-specific discount advertised. |
Embrace vs. Figo Pet Insurance Customer Experience
Embrace delivers superior customer experience compared to Figo, ranking sixth nationally for both dog and cat insurance. Figo trails significantly at thirteenth place nationally. Embrace maintains consistent quality across rating platforms with an A+ BBB rating and 4.1 out of 5.0 Trustpilot score. Figo shows mixed performance with a lower B BBB rating, though its 3.9 out of 5.0 Trustpilot score remains competitive.
Embrace vs Figo Trustpilot ratings
Embrace earns a higher Trustpilot rating at 4.1 out of 5.0 compared to Figo's 3.9 out of 5.0 from verified customers. Both providers receive mixed feedback, with Embrace showing slightly stronger overall customer satisfaction based on user experiences with claims processing and customer service interactions.
Embrace vs Figo BBB ratings
Embrace vs Figo Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Embrace received 29% positive sentiment from 21 total comments (6 positive, 15 negative), while Figo achieved 17% positive sentiment from 12 comments (2 positive, 10 negative). Despite having more overall mentions, Embrace maintains higher positive sentiment, suggesting better customer experiences shared in online discussions.
Embrace vs. Figo Pet Insurance Coverage
Figo offers better pet insurance coverage for dogs and cats than Embrace, ranking sixth nationally while Embrace ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Figo has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500, $750 | |
$5,000, $10,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 60%, 70%, 80%, 90% | |
14 days for illnesses, 48 hours for accidents, 6 months for orthopedic conditions | 14 days for illnesses, 1 day for accidents, 6 months for orthopedic conditions | |
Age restrictions | No upper age limit | No upper age limit |
Curable conditions covered after 12 symptom-free months | Curable conditions covered after 12 symptom-free months | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Embrace vs. Figo Pet Insurance Add-ons
Embrace and Figo both offer wellness plan choices as optional add-ons, but their offerings differ in structure and reimbursement approach. Embrace uses a flexible reward-based reimbursement model, while Figo offers structured preventive care packages based on coverage tier. The comparison below outlines what each provider includes in its wellness or add-on options.
Embrace Pet Insurance Add-ons
Embrace offers a Wellness Rewards plan as an optional non-insurance reimbursement program:
- Routine care: Covers wellness exams, vaccines, flea/tick/heartworm preventives, fecal tests, and grooming expenses
- Spay/neuter & microchipping: Reimburses for elective procedures not covered by standard accident & illness policies
- Training & dental: Includes reimbursement for professional training, routine dental cleanings and teeth brushing supplies
- Custom annual allowance: Policyholders can choose from $250, $450 or $650 in annual wellness benefits
Figo Pet Insurance Add-ons
Figo provides multiple optional coverage enhancements known as "Powerups":
- Wellness Powerup Basic: Covers vaccines, annual wellness exams, bloodwork and microchipping with an annual reimbursement cap
- Wellness Powerup Plus: Includes everything in the Basic tier plus spay/neuter procedures, teeth cleaning and more extensive diagnostics
- Exam Fee Coverage: Covers the cost of vet exam fees for accidents and illnesses, which are typically excluded from standard policies
- Veterinary Specialty Care: Offers reimbursement for consultations with specialists, including oncologists, dermatologists and cardiologists
- End-of-life Care: Includes euthanasia and cremation costs associated with humane end-of-life decisions
Embrace vs. Figo Pet Insurance: Bottom Line
Figo beats Embrace overall, delivering better affordability and more comprehensive coverage options. Figo's rates start at $52 per month for middle-aged dogs and $30 for cats, making it the more budget-friendly choice. Figo also provides extensive coverage including wellness plans and alternative therapy options. However, Embrace excels in customer service, earning a 4.1 out of 5.0 Trustpilot rating and an A+ BBB rating compared to Figo's 3.9 Trustpilot score and B rating.
Embrace vs. Figo Pet Insurance Comparison: FAQ
Compare Embrace and Figo pet insurance through these common questions:
Which is cheaper: Embrace vs Figo pet insurance?
Figo offers cheaper pet insurance than Embrace across most age groups in all 50 states. Middle-aged cats cost $30 monthly with Figo versus Embrace's $46, saving you $16 per month. Middle-aged dogs show even bigger savings at $52 with Figo compared to Embrace's $77 monthly rate.
Which has better customer service: Embrace vs Figo pet insurance?
Embrace delivers superior customer service, ranking sixth nationally for customer experience while Figo ranks 13th. Embrace maintains a 4.1 out of 5.0 Trustpilot score and an A+ BBB rating, compared to Figo's 3.9 Trustpilot rating and B BBB grade, demonstrating Embrace's stronger customer satisfaction performance.
Which offers better coverage: Embrace vs Figo pet insurance?
Figo offers better coverage, ranking 5th nationally compared to Embrace's 10th-place ranking for both cats and dogs. Figo provides comprehensive add-ons including behavioral therapy, dental illness coverage, and end-of-life care, while Embrace focuses primarily on wellness plans. Both cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Figo's extensive add-on options deliver superior customization flexibility.
Can I switch from Embrace vs Figo pet insurance or vice versa?
Yes, you can switch between Embrace and Figo pet insurance anytime by canceling your current policy and buying a new one. However, new waiting periods will apply: 14 days for illnesses and 6 months for orthopedic conditions with both providers. Any conditions your pet had under the previous policy become pre-existing conditions under the new coverage.
Does Embrace vs Figo cover pre-existing conditions?
Neither Embrace nor Figo covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage later for certain curable conditions. Embrace covers previously excluded conditions after 12 consecutive months without symptoms, treatment, or medication. Figo reinstates coverage for curable pre-existing conditions after one full year symptom-free.
Can I get discounts with both Embrace vs Figo pet insurance?
Yes, both Embrace and Figo offer multiple discount opportunities. Embrace provides five discount options, including 10% off for multi-pet households, military members, and various group memberships like AAA. Figo offers three discount types: 5% for annual payments, 10% for multi-pet coverage, and additional savings through employer partnerships and group plans.
What are the age limits for Embrace vs Figo pet insurance?
Figo accepts pets of any age for enrollment with no upper age limits, making it accessible for senior animals. Embrace restricts enrollment to pets under 14 years old, which limits coverage options for older pets seeking new insurance policies.
How We Scored Embrace vs. Figo Pet Insurance
Our analysis of Embrace versus Figo pet insurance used identical coverage scenarios to ensure fair comparison. We obtained quotes from both companies using the same pet profiles and policy specifications listed below.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Each provider was scored using three weighted factors based on their importance to pet owners.
Affordability (50% of score): We collected quotes across different pet ages and coverage options to assess real-world pricing, including available discounts that affect actual premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online customer feedback to evaluate satisfaction with claims processing and customer support.
Coverage (20% of score): We examined policy benefits, waiting periods and optional add-ons to determine which provider offers more complete pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.