Pet Insurance Comparison
Quick verdict
Embrace edges ahead Figo in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Embrace | Figo | |
|---|---|---|
| Overall score | 4.32 /5 ★★★★★ Highest overall | 4.25 /5 ★★★★★ |
| National rank | #5 | #6 |
| Avg. annual rate | $228 Mid-range pricing | $252 Mid-range pricing |
| Avg. monthly | $19 | $21 |
| Best for | Embrace is a pet insurance with diminishing deductibles and multi-pet discounts for budget-conscious owners | Figo is a modern pet insurance with cloud-based dashboard, vet finder, and 100% reimbursement option |
| Read full review | Embrace review → | Figo review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Embrace | Figo |
|---|---|---|
| Customer experience | 4.40 · #5 | 4.25 · #6 |
| Coverage breadth | 4.40 · #5 | 4.25 · #6 |
| Affordability | 4.55 · #4 | 4.55 · #4 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Embrace
Full review →Pros
- Diminishing Deductible® reduces $50 per claim-free year
- 10% multi-pet discount for additional pets
- Strong coverage for hereditary conditions
- Healthy Pet Deductible® rewards healthy pets
- Established carrier with 20+ year track record
Cons
- Higher base rates than budget competitors
- Wellness Rewards is reimbursement, not insurance
- Pre-existing conditions excluded (industry standard)
- Customer satisfaction varies by region
Figo
Full review →Pros
- Pet Cloud app for medical records, vet finder, and reminders
- 100% reimbursement option (most carriers cap at 90%)
- Customizable deductibles and reimbursement levels
- Strong digital experience with modern interface
- Built-in extras like lost pet rewards
Cons
- Higher premium for 100% reimbursement option
- Customer service primarily digital
- Pre-existing conditions excluded (industry standard)
- Newer than legacy pet insurance carriers
Coverage at a glance
What each carrier offers in standard policies.
Embrace
Embrace offers a comprehensive coverage menu typical of major pet insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Wellness Rewards — Routine care reimbursement (not insurance)
- Accident-Only Plan — Accident coverage at a lower premium
- Specialty Care — Specialty veterinary care like oncology and cardiology
Figo
Figo offers a comprehensive coverage menu typical of major pet insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- 100% Reimbursement — Higher reimbursement rate than industry-standard 70–90%
- Hip Dysplasia Coverage — Coverage for hip dysplasia, common in larger breeds
- Wellness Add-On — Routine care reimbursement
The bottom line
Embrace
Embrace earns an overall score of 4.32/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #5 nationally, with particular strength in specific specialty areas.
Embrace is best suited for pet owners who want a balance of price and service from an established carrier. Higher base rates than budget competitors is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Figo
Figo earns an overall score of 4.25/5 in QuoteYeti's pet insurance provider rankings. The carrier ranks #6 nationally, with particular strength in specific specialty areas.
Figo is best suited for pet owners who want a balance of price and service from an established carrier. Higher premium for 100% reimbursement option is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.