Figo offers better pet insurance for cats and dogs than Embrace, based on MoneyGeek's comprehensive study of pet insurance companies. The provider costs less for both pets and provides broader coverage options. However, if your priority is top-tier customer service, Embrace might suit you better.
Embrace vs. Figo Pet Insurance
Updated: January 2, 2026
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Embrace vs. Figo Pet Insurance: Key Takeaways
Figo provides lower pet insurance rates for nearly all age groups than Embrace, charging $30 monthly for middle-aged cats and $52 for dogs, while Embrace costs $46 and $77 respectively.
Embrace provides better customer service than Figo, consistently earning higher ratings on Trustpilot (4.1 vs. 3.7 rating), the Better Business Bureau (A+ vs. B rating) and Reddit (29% vs. 17% positive sentiment).
Figo offers more comprehensive pet insurance coverage, ranking fifth nationwide compared to Embrace's 10th-place position, with up to 100% reimbursement, more optional add-ons beyond its wellness plans and no upper age limits for enrollment.
Is Embrace or Figo Pet Insurance Better?
| Cat | Affordability | Figo | 5 | 14 |
| Dog | Affordability | Figo | 8 | 12 |
| Cat | Coverage | Figo | 5 | 10 |
| Dog | Coverage | Figo | 5 | 10 |
| Cat | Customer Experience | Embrace | 6 | 7 |
| Dog | Customer Experience | Embrace | 6 | 7 |
| Cat | Overall Score | Figo | 8 | 14 |
| Dog | Overall Score | Figo | 8 | 13 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Embrace and Figo Comparison by State
Between Embrace and Figo, the latter wins as the best pet insurance company for dog and cats in all 50 states. Figo's consistent nationwide dominance makes it the clear choice for pet owners prioritizing affordability and comprehensive coverage.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Embrace vs. Figo Pet Insurance Cost
Our pet insurance cost study found that Figo costs less for puppies, kittens, young and middle-aged pets, and senior dogs than Embrace. Kitten owners get the best deal with Figo, saving 50% on premiums by paying an average of $10 monthly. Meanwhile, Embrace wins only for senior cats, offering 5% lower rates than Figo.
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| 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% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Embrace vs. Figo Pet Insurance Cost by State
Figo offers the cheapest pet insurance in nearly all states and age categories when compared to Embrace, which only wins for senior cats. Arkansas stands out as the state with the lowest rates across all eight pet age categories.
- Kittens: Figo costs $7 monthly in Arkansas compared to Embrace's $14, delivering 50% savings.
- Puppies: Arkansas delivers Figo's lowest rate at $14 monthly versus Embrace's $2, saving pet owners 35%.
- Young cats: Arkansas cat owners pay just $11 monthly with Figo versus $19 with Embrace and save 43%.
- Young dogs: Figo charges $20 monthly in Arkansas while Embrace costs $30, a 33% difference.
- Middle-aged cats: Arkansas offers the best value at $20 monthly through Figo against Embrace's $31, saving pet parents 35% on premiums.
- Middle-aged dogs: Dog owners in Arkansas get Figo coverage for $35 monthly compared to Embrace's $51 and save 32%.
- Senior cats: Embrace offers its lowest rate in Arkansas at $65 monthly versus Figo's $68, though savings reach only 4%.
- Senior dogs: Arkansas has Figo's lowest monthly rate at $120 against Embrace's $128, with 6% savings.
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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% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Embrace vs. Figo Pet Insurance Discounts
Figo offers more pet insurance discounts than Embrace, with three ways to save compared to Embrace's two options. Both insurers offer military and multiple pet discounts, though Embrace provides better savings in these categories with 10% off compared to Figo's 5%. That said, Figo gives Costco members an exclusive 15% discount that Embrace doesn't match.
Multiple pets | 10% discount for insuring two or more pets with Embrace. | 5% discount for insuring more than one pet with Figo. |
Military | 10% off on pet insurance for active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard. | Active duty members and veterans receive 5% off on pet insurance. |
Club membership | None. | 15% off for Costco members who enroll through the Costco program. |
Embrace vs. Figo Pet Insurance Customer Experience
Embrace provides superior customer experience compared to Figo, ranking sixth nationally for both dog and cat insurance. Embrace maintains consistent quality across different platforms, earning higher ratings than Figo on Trustpilot, the Better Business Bureau and even Reddit.
Embrace vs Figo Trustpilot ratings
Embrace earns a higher Trustpilot rating at 4.1 out of 5.0 compared to Figo's 3.7 out of 5.0 from verified customers. Pet owners praise Embrace for fast claim processing and caring customer service, though some complain about premium increases at renewal. Figo receives positive feedback for quick reimbursements and an easy-to-use app, but faces criticism for claim denials and requests for excessive documentation.
Embrace vs Figo BBB ratings
Embrace holds an A+ BBB rating and is accredited, while Figo maintains a B rating with accreditation. These BBB ratings reflect each company's complaint handling, transparency and overall business practices.
Embrace vs Figo Pet Insurance Reddit sentiment
Our Reddit analysis found that Embrace maintains 29% positive sentiment from 21 total comments (six positive, 15 negative), while Figo has 17% positive sentiment from 12 comments (two positive, 10 negative). Reddit users praise Embrace for responsive customer service and clear policy language but criticize claim denials and strict pre-existing condition exclusions. Figo faces similar complaints about claim denials and coverage gaps, with Reddit users reporting slow processing times and communication problems.
Embrace vs. Figo Pet Insurance Coverage
Figo offers more comprehensive pet insurance coverage for dogs and cats than Embrace, ranking fifth nationally while Embrace places 10th. While Embrace covers parasite treatment in its base policy and provides more options for deductibles and annual limits, Figo wins by offering to reimburse 100% of eligible vet expenses. Figo also doesn't have upper age restrictions, while Embrace limits 15-year-old pets and above to accident-only coverage during enrollment.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | X |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500, $750 | |
$2,000, $5,000, $8,000, $10,000, $15,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90%, 100% | |
0 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions | 1 day for accidents, 14 days for illnesses, 6 months for orthopedic conditions | |
Age restrictions | Pets 15 years old and older limited to accident-only plans | No upper age limit |
Pre-existing conditions | Curable conditions may be covered after 12 symptom-free months | Curable conditions covered if cured and symptom-free for 12 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 Wellness Plans
Embrace and Figo both offer optional wellness plans to cover routine care, though their structures differ in flexibility and reimbursement limits. Embrace provides three annual allowance options, while Figo offers two wellness tiers with per-item caps.
- $300 Annual Tier: Covers routine exams, vaccines, flea/tick prevention, grooming, training, alternative therapies like acupuncture and end-of-life services up to $300 annually.
- $500 Annual Tier: Reimburses up to $500 annually for routine care services, with funds available from day one and no deductible needed. It's best for pets requiring frequent checkups or those with specific health maintenance requirements.
- $700 Annual Tier: Maximizes your preventive care budget with reimbursement up to $700 annually for all eligible services. This tier is ideal for puppies or kittens needing vaccinations, spaying/neutering procedures and special care during their first few months.
- Basic Tier: Covers wellness exams ($20), vaccines ($30), spay/neuter or dental cleaning ($40), testing like blood work ($20), microchip or health certificates ($15) and deworming ($10). Fixed reimbursement amounts apply per service.
- Plus Tier: Increases coverage to $40 for wellness exams, $50 for vaccines, $75 for spay/neuter or dental cleaning, $45 for testing and $30 for microchip or health certificates.
Embrace vs. Figo Pet Insurance Add-ons
Aside from optional wellness plans, both Embrace and Figo offer other add-ons you can purchase to supplement your base policy.
Embrace Pet Insurance Add-ons
- Exam Fees: Covers the cost of vet exam fees associated with eligible accidents and illnesses.
Figo Pet Insurance Add-ons
- Veterinary Exam Fees for Accident and Illness Visits: Provides coverage for vet exam fees related to covered accidents or illnesses.
- Extra Care Pack: Reimburses advertising and reward for lost pet, boarding fees, vacation cancellation costs, third-party property damage liability and final respects (cremation/burial) assistance.
- Alternative Care, Rehabilitation and Physical Therapy Riders: Extends coverage to include behavioral consultations, alternative therapies, rehabilitation or physical therapy.
Embrace vs. Figo Pet Insurance: Bottom Line
Figo offers superior pet insurance for cats and dogs against Embrace, providing lower average rates and more comprehensive coverage. The company also offers three discount options and up to 100% reimbursement, plus several add-ons aside from its optional wellness plans. However, Embrace upsets Figo in customer experience, earning higher ratings on Trustpilot, BBB and Reddit.
Compare other major pet insurance companies to determine the best choice for your pet:
Embrace vs. Figo Pet Insurance Comparison: FAQ
Compare Embrace and Figo pet insurance through these common questions:
Which pet insurance is better: Embrace or Figo?
Figo offers better pet insurance than Embrace overall, placing eighth nationally for both dogs and cats compared to Embrace's 13th and 14th place rankings. Figo leads against Embrace in affordability and coverage, while Embrace upsets Figo in customer experience. Your best option depends on whether you prioritize lower costs and comprehensive coverage or superior customer service.
Is Embrace or Figo cheaper for 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.
How do Embrace and Figo compare on coverage?
Figo offers better coverage than Embrace, ranking fifth nationally compared to Embrace's 10th-place ranking for both cats and dogs. Although Embrace doesn't impose a waiting period for accidents and offers more options for deductibles and annual limits, Figo's coverage remains superior for having 100% reimbursement, more add-ons and no upper age limits.
Does Embrace or Figo have better claim reimbursement?
While both Embrace and Figo offer up to 90% reimbursement, Figo uniquely provides a 100% reimbursement option. That said, Embrace processes claims faster with reimbursements often arriving within days, while Figo processes claims in about three days on average.
Is Embrace or Figo better for older pets?
This depends on your pet's type. Embrace offers lower rates for senior cats, while Figo is more affordable for senior dogs. It's important to note that Embrace also limits pets aged 15 and above to accident-only plans, while Figo has no upper age restrictions.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.