Golden retriever smiling at camera

Simplified Pet Insurance Claims

  • Filing a Claim

    Don't forget to print your claim form and take it with you when you go to the vet. Then follow these simple steps to get your paperwork completed and submitted. We'll take it from there.

    Claims Process
  • Medical History Review

    Worried about pre-existing conditions? The Embrace Claims Team will review your pet’s medical records and let you know what, if anything, is considered pre-existing and for how long.

    Review Process
  • Tracking Your Claim

    Your MyEmbrace customer account makes it easy to follow claims from submission to completion. 

    View Claims
  • Pre-certification

    Know what's covered before you claim. Complete a pre-certification to find out if your claim would be covered and how much you'd get back.

    Pre-Cert Process
  • Frequently Asked Questions

    Looking for more information on how you'll be reimbursed? Confused about how your deductible works? Visit the claims FAQ section for answers to those questions and more.

    View FAQ 
Mind if we pay your vet bills?

Connect with Us

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.  Wellness Rewards not available in Rhode Island.