Embrace vs Figo
Embrace wins for most buyers on score, pre-existing handling and extras: 8.8 against Figo at 7.9 for dogs (8.7 vs 8.0 for cats), the curable pre-existing path after 12 clean months, a deductible that drops $50 per claim-free year, and a wellness allowance covering even grooming and nutrition consults. Figo fights back with the only 100% reimbursement tier we track (paired with a $500 or $750 deductible, not combinable with its unlimited plan), a 24-hour accident start against Embrace’s immediate-but-orthopedically-held design, and an unlimited-limit Higher Coverage plan.
Side by side
| Embrace | Figo | |
|---|---|---|
| Editorial score (dogs) | 8.8/10 | 7.9/10 |
| Annual limit | $2k-unlimited | $5k-unlimited |
| Deductible | Annual, $100 to $1,000 ($100/$250/$500/$750/$1,000). Drops $50 for every claim-free year via the Healthy Pet Deductible. | $100 to $750 standard, plus $1,000/$1,500 options for pets age 8+/10+ |
| Reimbursement options | 70%, 80% or 90% | 70%, 80%, 90% or 100% , the only insurer here offering a 100% tier |
| Accident wait | Covered as soon as the policy is effective | 24 hours |
| Illness wait | 14 days | 14 days |
| Orthopedic / cruciate wait | 6 months for cruciate ligament injury, IVDD and hip dysplasia , cut to 14 days if your vet performs an orthopedic exam and submits it within your first two weeks | 6 months, waivable with a vet exam completed and submitted within the enrollment window |
| Wellness add-on | Available | Available |
| Direct vet pay | No, reimbursement only | No, reimbursement only |
Compare current quotes for the same pet and ZIP code, using the same deductible, reimbursement rate, annual limit, and add-ons. Older catalog price examples do not establish which insurer costs less today.
Pre-existing conditions
Embrace: Curable pre-existing conditions (like an old ear infection or a one-off bout of vomiting) can be re-evaluated and covered again after 12 consecutive symptom-free, treatment-free months. Chronic conditions (diabetes, ongoing allergies, chronic orthopedic issues) stay excluded for good. Few competitors distinguish curable from chronic this explicitly.
Figo: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Embrace if
Your pet has curable conditions in its history (re-covered after 12 consecutive symptom-free months), you claim rarely (the Healthy Pet Deductible falls $50 per claim-free year), or you want the broadest wellness allowance ($250 or $450 a year including grooming and nutrition consults). Accept the 6-month orthopedic wait unless an exam lands in your first two weeks.
Choose Figo if
You want the highest reimbursement rate or fastest accident cover: Figo’s 100% tier is unique in our lineup, and accident coverage starts after just 24 hours. Its Higher Coverage plan has no annual limit, though 100% reimbursement cannot combine with it, and the Popular plan caps at $10,000. The 6-month orthopedic wait is waivable with an exam inside the enrollment window; service runs through the Pet Cloud app.
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions
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Written by the WhichPetPlan editorial team. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.