Figo vs Embrace: which should you pick?
Lemonade Pet is not sold in every state.
Embrace wins on score and mechanics: 8.8 out of 10 for dogs against Figo's 7.9, a curable pre-existing path after 12 clean months, and a deductible that drops $50 every claim-free year. Figo offers the only 100% reimbursement tier in our lineup and 24-hour accident cover. Compare current quotes at matched settings for cost.
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Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Which one handles a messy health history better?
Embrace. It re-evaluates curable pre-existing conditions, an old ear infection or a single bout of vomiting, after 12 consecutive symptom-free, treatment-free months, while chronic conditions stay excluded. Figo applies the standard exclusion with no reinstatement path documented in our review data. If your pet has anything curable in its history, this is the difference that matters.
When does Figo make more sense?
When payback rate or speed leads. Figo's 100% reimbursement tier is unique in our lineup but requires a $500 or $750 deductible and cannot combine with its unlimited Higher Coverage plan; the Popular plan caps at $10,000. Accidents are covered after just 24 hours, where Embrace starts accidents immediately but holds cruciate ligament injuries, IVDD and hip dysplasia for 6 months unless a vet exam lands in your first two weeks. Figo's own 6-month orthopedic hold waives with an exam inside the enrollment window.
What about extras and annual limits?
Embrace runs annual accident and illness limits from $2,000 to unlimited with no lifetime maximum, sells a Wellness Rewards allowance of $250 or $450 a year covering grooming and nutrition consults, and cuts its $100 to $1,000 deductible by $50 each claim-free year. Figo answers with Wellness Powerups and app-first service through Pet Cloud, with no real phone support.
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The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.