Making a Claim with Embrace

We've designed a simple claims process to make sure you get your refund as quickly as possible. Embrace will not raise your premium if you claim.

Note: If you haven't provided your pet's health history we need records from any visit to the vet one year prior to signing up with Embrace through the pet's 14 day waiting period.

Step 1. Get a Claim Form

You can get a claim form by:

• printing out the form that came with your enrollment e-mail
• downloading a claim form online
• phoning us at (800) 511-9172 and we'll mail one out

Step 2. Complete the Claim Form

Fill in your and your pet's information in Part 1 and have your veterinarian or veterinary technician complete Part 2 of the claim form.

You must sign the claim form. Submitting an unsigned claim form will delay your claim.

Here's a tip: store several copies of your pre-filled claims form in your pet's file at your veterinarian's office and one in your car’s glove compartment. Then you have it on hand right when you need it.

Step 3. Attach Itemized Invoices

Make sure you include copies of all of the invoices from your veterinary hospital. These invoices should indicate that you have paid for the treatment.

Step 4. Send Everything In

Embrace runs a paperless operation and we can process your claim faster and get your claim refund out sooner if you fax everything in toll-free to (800) 238-1042.

Of course you're still welcome to mail your claim to:

Embrace Pet Insurance, Claims Dept
PO Box 22188
Beachwood, OH 44122-0188

Step 5. Get Your Refund Fast With Direct Deposit!

Waiting for checks to arrive in the mail is so 2010.  Why make a special trip to the bank to deposit your refund when we can do the work for you.  Sign up for direct deposit today.

How Embrace Calculates Your Refund

For more information about how Embrace determines the your claim refund, click here.