Both Embrace and Figo provide robust pet insurance options. Figo stands out with no upper age limits and a potential for 100% reimbursement. Embrace offers more varied annual coverage limits and covers homeopathic drugs. The best choice depends on individual needs, such as the pet's age and desired coverage levels.
| Attribute | Embrace Pet Insurance | Figo Pet Insurance |
|---|---|---|
| Accident and Illness Coverage | Comprehensive coverage for accidents, illnesses, breed-specific, congenital, chronic, and genetic conditions. Covers treatments like specialist care, surgery, and emergency care, including exam fees. | Comprehensive coverage for accidents and illnesses, including chronic conditions, hereditary disorders, cancer, dental issues (abscesses, oral cancer, root canals, and broken teeth, but not routine cleanings), surgeries, and alternative therapies. Reimbursement for every stage of accident or illness treatment, from initial testing to aftercare. |
| Wellness Plan Options | Optional Wellness Rewards program reimburses costs for routine and preventative care such as vaccinations, flea, tick, and heartworm medications, teeth cleaning, and spay/neuter surgery. Three annual allowance options: $300, $500, and $700. | 'Wellness Powerup' add-on for preventative care like vaccines, spay/neuter, and dental care, paid on a fixed schedule. |
| Pre-existing Condition Coverage | Incurable pre-existing conditions are not covered. Curable pre-existing conditions may be covered if a pet has been symptom-free and treatment-free for 12 consecutive months. | Does not cover pre-existing conditions. May cover curable pre-existing conditions if the pet remains symptom-free for 12 months after the last treatment. Figo determines pre-existing conditions based on the pet's medical history from the past 12 months. |
| Waiting Periods | 14-day waiting period for illnesses. Accident coverage begins on the policy's effective date. 6-month waiting period for orthopedic conditions for dogs, which can be reduced to 14 days by completing an orthopedic exam and waiver process. Waiting periods can vary by state. | 1 day for accidents, 14 days for illnesses. 6-month waiting period for orthopedic conditions, may be waived with a vet exam before policy starts. Waiting periods can vary by state. |
| Annual Coverage Limits | $2,000, $5,000, $10,000, $15,000, $30,000, or unlimited. For accident-only policies, the coverage limit is $5,000. | $5,000, $10,000, or unlimited. |
| Deductible Options | $100, $250, $500, $750, or $1,000. | $100, $250, $500, and $750. $1,000 and $1,500 also available for pets 8 years and older. |
| Reimbursement Percentage | 70%, 80%, or 90%. | 70%, 80%, 90%, or 100%. 100% reimbursement is available with deductibles over $500 and annual coverage up to $10,000. |
| Age Restrictions | Pets between 6 weeks and 14 years old are eligible for new accident and illness policies. Pets 15 years and older are eligible for accident-only plans. In California, pets may be enrolled only up to age 4. Coverage continues for life once enrolled. | Insures cats and dogs at least 8 weeks old, with no upper age limits. For dogs 8 years or older, and cats 10 years or older, requires following veterinarian's advice regarding senior wellness testing when renewing a policy. |
| Breed-Specific Exclusions | Covers breed-specific conditions as long as the condition is not pre-existing and has not occurred during the waiting period. | No breed restrictions listed, though a pet's breed may impact the premium. |
| Prescription Coverage | Covers FDA-approved and Homeopathic Pharmacopoeia-included drugs prescribed for covered conditions. | Prescription medications are covered under Figo's accident and illness plan. |
| Dental Coverage | Covers dental illnesses up to $1,000 per policy year, including treatments for broken teeth, extractions, gingivitis, stomatitis, and periodontal disease. Routine dental care is covered under the optional Wellness Rewards plan. | Covers dental illnesses and injuries, such as fractured teeth, tooth abscesses, oral tumors, oral cancer, and root canals. Routine dental care like teeth cleanings and annual exams are not covered unless you purchase a routine care add-on. |
| 24/7 Vet Helpline | Provides a 24/7 Vet Chat service for professional advice on issues like possible toxins or poisons, medication concerns, and emergencies. Cannot diagnose conditions or prescribe medication. | Access to a 24/7 vet helpline through the Pet Cloud app, allowing pet parents to seek advice from licensed veterinary professionals via text. |