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 70, 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 Percentage 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 $2,004 more back into this customer's pocket.


Embrace Reimburses Nationwide Major Medical Reimburses
Total Claimed $6,505 $6,505
Maximum Reimbursement $10,000 $3,040
Less Deductible $200 $250
Claimed After Deductible
$6,305 $6,255
Less Co-pay
$1,261 na
Total Reimbursement $5,044 $3,040
As % of total vet bill
77% 46%
Intervertebral Disc Disease (IVDD) is based on Nationwide diagnosis code 2206 & 2208, Major Medical Plan reviewed on 10/30/18.

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.

Mind if we pay your vet bills?

Copyright 2005-2018

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.