How Embrace Calculates Your Refund

One of the more subtle, but important, differences between pet insurers is how each company pays the claims.

We’re not talking about check versus direct deposit into your bank account (although Embrace does both), we’re talking about how you go from the amount you paid to your veterinarian to the reimbursement you receive. It’s not as straightforward as you might think.

Different Methods of Calculating Claims

There are three ways pet insurers process claims reimbursement. They:

• Compare your vet bill by diagnosis to a benefit schedule; or
• Compare your vet bill by invoice item to a schedule of Usual, Customary, and Reasonable (UCR) Charges; or
• Do nothing. There are no limits; they use your vet bill as is

Why do insurers introduce complications such as benefit schedules and UCR charges into our lives? To keep premiums down. Which of course means that claims paid out may fall short of what you paid out of pocket. It’s up to you to determine which method suits you best.

Embrace's Method

At Embrace, our terms and conditions allow us to use Usual, Customary, and Reasonable charges but we currently apply them very sparingly and only in extreme cases. You are welcome to check out our reviews on PetInsuranceReview.com to hear what other Embraced pet parents think of our payouts.