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 just because 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 waiting period.

Step 1. Get Your Claim Form

You can access your claim form by:

  • printing out the form that came with your enrollment e-mail
  • downloading your claim form online through your MyEmbrace account
  • calling us at (800) 511-9172 if you need it mailed to you

Step 2. Complete Your Claim Form

Is this claim for routine care or is it for an accident or illness? Simply check the boxes that apply. If this claim is for an accident or illness, please have your veterinarian or veterinary technician complete Part 2 of the claim form.

Here's a tip: store several copies of your pre-filled claim 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 whenever 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 or email us at

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 Faster 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

Learn more about how you get more money back with Embrace.