How Embrace Calculates Your Refund

One of the more subtle, but important, differences between pet insurance companies is how claims are paid.

We're not talking about check versus direct deposit into your bank account (although Embrace does both); we're talking about how your reimbursement is calculated from the amount you paid to your veterinarian at the time of service. It's not as straightforward as you might think.

Different Methods of Calculating Claims

There are three ways pet insurers process claims reimbursement:

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, we reimburse based on the vet bill you paid – no Benefit Schedules, no Usual, Customary, and Reasonable Charges You are welcome to check out our reviews on to hear what other Embraced pet parents think of our payouts.