Head-to-head · Same profile, same date
Figo vs Embrace: Which Fits Your Pet in 2026?
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The delta table
Where Figo and Embrace actually differ
| Dimension | Figo | Embrace |
|---|---|---|
| Top reimbursement tier | 100 percent option, one of the few in the US market | Pending verification of the current tier menu |
| Deductible mechanism | Annual; menu pending verification | Annual; advertised $50 drop each claim-free year, verify current terms |
| Exam and consultation fees | Sold as an add-on | Covered for accident and illness visits |
| Curable pre-existing conditions | Pending verification | Coverage can return after 12 symptom-free months, per stated terms |
| Orthopedic waiting period | Pending verification | Can run 6 months, with a waiver exam path to shorten it |
| Service model | Pet Cloud app with claims tracking and live vet chat | Online claim submission |
| Retail channel | Costco member pricing on the same policies | Sold direct; reseller partners pending verification |
| Underwriter | Independence American Insurance Company | American Modern |
| Founded | 2013 | 2003 |
Pricing
How do Figo and Embrace prices compare?
The dated identical-profile quotes for both insurers appear on their review pages, stamped with the collection month, and refresh each quarterly run. Structure explains the spread inside each brand as much as between them: Figo's 100 percent tier costs more each month than its lower tiers, because you are buying out your own coinsurance share.
Compare like for like. Embrace builds exam fees into the base policy while Figo sells them as an add-on, so add Figo's exam-fee option before reading the two quotes side by side. Costco members should also run the member quote on Figo against the direct quote before assuming either is cheaper.
Coverage
What does one cover that the other does not?
Both are accident and illness policies at the core, and the verified differences sit in the fee and service lines. Embrace covers exam fees and dental illness in the base policy, with routine care routed through an optional wellness allowance. Figo puts exam fees behind an add-on, and several of its coverage rows are pending our row-by-row verification, so we mark them rather than guess. Embrace's pre-existing rules carry the rarity: a curable condition can regain coverage after 12 symptom-free months, per its stated terms.
Service
Claims and service, compared
Figo claims run through the Pet Cloud app: submit the itemized invoice and track status in the app, with live vet chat alongside. Embrace claims file online, and its published payout-speed averages are queued for our verification pass. Neither insurer's day count appears here, because neither figure sits verified in our knowledge base yet. At Figo's 100 percent tier the payout math is simpler: every covered dollar past the deductible comes back.
Who should pick which?
Pick Figo for owners who want zero coinsurance at claim time, app-first service through Pet Cloud, or Costco member pricing. The trade is a higher premium at the 100 percent tier and exam fees sold separately.
Pick Embrace for owners planning years with one insurer: exam fees are covered and the advertised deductible fell $50 each claim-free year, terms to confirm at quote. The payoff needs patience, and the first-year price rarely leads.
If neither fits: Lemonade prices lowest of our 11 in most quote runs with app-fast claims, and Trupanion replaces the levers entirely with an unlimited benefit and a per-condition lifetime deductible. Compare all 11 ranked plans.
Full reviews: Figo review · Embrace review
Questions