How to File a Embrace
Pet Insurance Claim

📋 How to File a Embrace Claim

1. Log in to your Embrace account at members.embracepetinsurance.com
2. Click File a Claim and complete the online claim form
3. Upload your itemized vet invoice and complete medical records
4. Claims must be filed within 180 days of treatment
5. Embrace typically processes claims within 10 to 15 business days
6. Reimbursement by check or direct deposit

⚠️ Common Reasons Embrace Denies Claims

• Pre-existing conditions, Embrace does cover curable pre-existing conditions after 12 months symptom-free, which is better than most insurers
• Orthopedic conditions in dogs have a 6-month waiting period in most states, most common surprise denial
• Treatments during the 2-day accident or 14-day illness waiting period
• Elective procedures, breeding costs, and cosmetic treatments

💡 Tips for a Successful Embrace Claim

• Key advantage: You can reduce Embrace's 6-month orthopedic waiting period to 14 days by having your vet perform an orthopedic exam within 14 days of enrollment, ask Embrace about this at signup
• Embrace has a Healthy Pet Deductible, your deductible decreases by $50 for every year you do not receive a claim payment, down to $0
• Embrace covers curable pre-existing conditions after 12 consecutive months symptom-free, one of the most generous policies in the industry
• PawSupport 24/7 telehealth is included with every Embrace policy at no extra cost
• Wellness Rewards is an optional non-insurance add-on that reimburses for routine care, grooming, and training