Unlike human health insurance, Embrace Pet Insurance does not work within networks and instead works via direct reimbursement to you.


How Does Reimbursement Work?

To receive your claim reimbursement:

1. Pay Your Vet Directly

  • Pay for your pet’s visit, medications, or other expenses in full as you normally would

  • Save your invoice

2. Submit Your Claim

  • We reimburse a direct percentage of covered claims less your deductible & copay

  • You can receive your reimbursement two ways:
    - By Check: By default, reimbursements are sent by check in the mail. Checks are sent via USPS and usually arrive in 5-7 business days (the post office has asked that we allow up to 10 business days).
    - By Direct Deposit: Reimbursements are deposited into your bank account within 1-2 business days. See below for instructions on switching to direct deposit.


How to Set Up Direct Deposit

You can enroll in direct deposit in the My Payment Settings via your MyEmbrace customer account online or in the Embrace Pet Insurance app.

You will need:

  • Bank Routing Number

  • Bank Account Number

  • Type of Account (Savings or Checking)

Note: You can view or change your reimbursement settings anytime by logging in to MyEmbrace and selecting My Payment Settings under Quick Links.


If you have questions about how claims are reimbursed, contact us.

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