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With two cats, and knowing the history of pet health care costs through long experience, pet insurance seemed like a no-brainer. After reviewing the available options, the logical solution was to choose Figo. Why? Figo offers the most affordable and accessible plans. When you do the math, it makes good financial sense. More significantly though, as anyone who has ever filed an insurance claim knows, the claims process is usually not the most pleasant experience between a consumer and the insurer. But I have found that Figo has turned that notion on its head. Claims are incredibly easy to file, amazingly quick turnaround time is also a big plus. What really clinched it for me was the customer service reps. They are not only friendly, courteous and super helpful, some of them know oodles about pet health, all of which makes every call a great experience. I cannot find any reason to go back to the old insurance model, especially when I can do everything from my iPhone. (Too bad for the cats, we can't conduct their vet visits from an iPhone.)

I cannot say enough great things about this company. Claims are easy to submit, get processed quickly and reimbursement checks are sent faster than I ever expected. Follow up calls to let you know status and see how you and your pet are doing. Overall I have been extremely pleased with this insurance.

Amazing service, always helpful and understanding. Some times it seems too good to be true. Thank you for all you do!

Amazing service, always helpful and understanding. Some times it seems too good to be true. Thank you for all you do!

Embrace offers what they call "wellness rewards" - essentially a health savings account for dogs. I added this to my policy on Monday, took my dog to the vet on Tuesday for some vaccinations, and on Thursday they mailed me a check for the full amount I paid the vet -- including his nail trim and heart-worm preventative. I couldn't be more pleased!

Dog has non-cropped ears, and has had issues with ear infections. Response via e-mail are fast and informative. Very pleased with the service and the follow-up. Dog is a rescue with no known history yet, no issues with claims. Excellent service.

I have covered all 4 of my giant breed dogs for years and Embrace has never let me down. If I disagreed with a coverage (seldom happens), they listened to me and my vets and resolved it to my satisfaction. The prescription coverage with my old guy has helped him live a good life despite his age. The costs would have been crushing. I have reviewed other policies which were cheaper (I am a paralegal) and the coverage was not nearly as good - especially as dogs age. If you love your pet, Embrace is THE plan to go with.

After researching high and low for the best pet insurance for my 3 year old dog, I chose Figo. The reason I chose Figo was because for what they cover, the price, customer service, and overall simplicity. Understanding pet insurance can be daunting, but Figo plans are so simple to understand and follow. MY dog has been on Figo for a year. My dog swallowed a mango pit. I just submitted the invoice via pet cloud app. That was it. Thereafter, within 5 days, I was notified I was reimbursed. Another time, my dog had an ear infection. I was worried I would not be reimbursed because my dog had an ear infection over 14 months ago. I was reimbursed for that as well. All I did was answer a few questions on the claim form and submitted a picture of the invoice via smartphone. Figo called my vet for last 2 years records. Wihtin 1 week, I was reimbursed. Figo made life so easy with their paperless claims processing. Figo is the only pet insurance that any pet parent should consider.

We received the worst news possible about our beloved boy who, after a vet visit, ED visit and several tests, had an inoperable tumor and we had to put him down. Embrace was compassionate and responsive throughout the very difficult time.

We left PetPlan a few years back because of the premiums and unexplainable increases and joined Embrace. Recently, we found out that our Rottweiler Roxie contracted Osteosarcoma, an aggressive form of cancer. As a result, she has had to see many specialists for x-rays, biopsies, and ultimately an amputation of her rear leg. Chemotherapy is soon to follow. Without having Embrace, we likely would not have been able to afford to give her the professional care she requires. Reimbursements have been made after a small glitch in mailing address. I am confident that the rest of her treatments will be treated the same by Embrace. Ultimately, they do what you pay them for which is rare these days. When people ask why we have insurance on our dogs, I just tell them that "I am paying for the luxury of being able to make a potentially difficult decision more easy down the line." That is exactly how it has worked out and I'm very pleased with my decision to have pet insurance and with my choice to switch to Embrace.