Get More Back When You Claim With Embrace

There's more to pet insurance than just your premium. If you want a large portion of your vet bills covered then you have to choose the right sort of policy.

We Reimburse a Straight Percentage of Your Vet Bill

At Embrace all of our policies reimburse your claim as a percentage of your actual veterinary bill. You can choose 65, 80, or 90% reimbursement for your pet's policy.

This is really important because an alternative way of calculating your reimbursement, the benefit schedule method, can mean you get back much less back than you expect.

Straight % vs Benefit Schedule Reimbursement

The example below shows how a large veterinary bill for Intervertebral Disc Disease (IVDD) would be covered. Embrace reimbursed over 30% more, which would put $2,184 more back into this customer's pocket.

Embrace Reimburses VPI/Nationwide Reimburses
  Total Claimed $6,505 $6,505  
  Maximum Reimbursement $10,000 $2,860  
  Less Deductible $200 $250  
  Claimed After Deductible
$6,305 $6,255  
  Less co-pay
$1,261 na  
  Total Reimbursement $5,044 $2,860  
  As % of total vet bill
77% 43%  
Intervertebral Disc Disease (IVDD) is based on VPI/Nationwide diagnosis code 2206 & 2208, Major Medical Plan reviewed on 07/16/2012.

Get Paid Faster

We offer you the ability to have claim checks deposited directly into your bank account. Instead of waiting days for the mail to bring your check, you can get your refund immediately.