Why Embrace denies claims for this reason
▸The claim was submitted after the insurer's filing deadline, which varies from 90 to 365 days depending on the insurer
▸The pet owner was not aware of the filing deadline
▸Extenuating circumstances prevented timely filing
Your strongest appeal arguments
✓Document any circumstances that prevented you from filing on time.
✓Check whether your policy uses a fixed deadline or the phrase reasonable time. These are legally different.
✓Argue the insurer was not harmed by the delay. All medical records exist and the claim is fully documentable.
✓Check whether the insurer notified you in writing of the filing deadline when you enrolled.
Documents to gather before you appeal
✓Documentation of the circumstances that caused the delay
✓Your policy's exact claim filing deadline language
✓Proof of when you first became aware of the filing deadline
Timeline
File your appeal immediately. Late filing appeals are time-sensitive.
If your appeal is denied again
Not sure where to start?
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1
Free: Upload your letter. We tell you exactly why it was denied and whether your case is worth appealing.
2
Free: Get the arguments and document checklist specific to your insurer and denial type.
3
Pro ($8/mo): We write the full appeal letter citing your insurer's own policy language, and pre-fill your state DOI complaint if needed.
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Other Embrace denial types
Claim Filed Too Late at other insurers