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 pick the right sort of plan.
We Reimburse a Straight Percentage of Your Vet Bill
At Embrace all of our plans reimburse your claim as a percentage of your actual veterinary bill so you always get more back.
This is really important because the alternative way of calculating your reimbursement that other pet insurance plans use, the benefit schedule method, can mean you get back much less than you expect.
Straight % vs Benefit Schedule Reimbursement
The example below shows how a large veterinary bill for a laminectomy would be covered. Embrace plans reimburse over 30% more, which could mean thousands more dollars in your pocket.
| | Embrace
Reimburses | VPI
Reimburses |
| Total Claimed | $4,813 | $4,813 |
| Maximum Reimbursement | $10,000 | $2,338 |
| Less Deductible | $200 | $50 |
Claimed After Deductible
| $4,613 | $2,288 |
Less co-pay
| $923 | $229 |
| Total Reimbursement | $3,690 | $2,059 |
As % of total vet bill
| 77% | 43% |
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, get your refund immediately. Learn how