Embrace Pet Insurance Claims

Visiting the vet can be stressful, but submitting and reviewing your Embrace Pet Insurance claim doesn’t have to be.

illustration of a vet invoice

Get your invoice & diagnosis from the vet’s office

Make sure to clarify the diagnosis or reason for visit and grab a copy of your itemized invoice before you leave the vet’s office. A complete invoice includes the total amount charged, discounts, taxes, charges for other pets, blank pages, etc.

Do I need to submit an Embrace Pet Insurance claim form?

If you submit via MyEmbrace or the Embrace Pet Insurance app, you do not need to include a claim form.

A claim form is required if you submit via email, fax, or physical mail. Your claim form is available in MyEmbrace online and in the app. 

filing a claim on an iPhone through the MyEmbrace portal

Submit your claim through MyEmbrace

Log in to MyEmbrace, select Submit a Claim, and follow the simple step-by-step instructions to select your vet, upload your invoice, and select the diagnosis or reason for the visit.

Once we have your claim, we’ll send you an email to let you know. The claim’s status will also be updated in MyEmbrace for easy tracking.

tracking a claim's progress on an iPhone through the MyEmbrace portal

Your pet insurance claims are reviewed

Claims are processed in 10-15 business days as long as we have all necessary information. If we’re missing something, we’ll reach out to the vet’s office and update you in MyEmbrace.

Covered claims are paid by check in the mail (takes about 10 business days), or with direct deposit (funds arrive within 3 business days). You can switch to direct deposit in MyEmbrace.

Possible pet claim scenarios

Every pet claim is different, so if your claim isn’t as straightforward as one pet seen for one illness, take a look at what’s required for different scenarios:

Claims for Recurring Prescriptions If you are not submitting an Embrace Pet Insurance claim via MyEmbrace, have your vet’s office fill out one claim form with the diagnosis and the name of the medication. Hang on to that form and submit it with the invoice each time your pet has a refill. 

There’s a Pet on the Invoice Who Isn’t Insured That’s okay. Please still submit the complete invoice with that pet listed. Because that pet isn’t insured, we will not set up a claim for them.

Claims for Visits Related to the Same Condition If your pet has several visits for the same condition, each visit’s invoice is its own claim. Unless you are submitting via MyEmbrace, a separate claim form is required for every invoice. 

Submitting Supporting Documents If you have supporting documentation (chart notes, discharge summary, etc.), please do not submit those with your claim. You may upload those in the Submit Documents section of MyEmbrace (this is the Send Documents section in the Embrace Pet Insurance app).

Blond woman kissing Rottweiler dog

What to expect when making your first pet insurance claim

Your first claim will take longer to process because our claims team has to review your pet’s medical history. When you sign up for Embrace, we request your pet’s medical records for the 12 months before your coverage start date (if you have a puppy, kitten, or newly adopted pet, we request from the time you brought them home if it’s less than 12 months), and this information is reviewed upon your first claim. The good news is that future claims don’t require this review and are processed much quicker.

illustration of a wellness claim form

Claims for Wellness Rewards

Submitting a Wellness Claim in MyEmbrace or the Embrace Pet Insurance app:

  • Submit the complete invoice/receipt with all pages including discounts, taxes, charges for other pets, remaining balances, etc. just as you would a claim for accidents or illnesses

  • Select "Wellness" under diagnosis or reason for visit

Submitting a wellness claim by email/fax/mail:

  • Complete the claim form(s) with the clinic, hospital, or retailer information and select "Wellness Rewards" as the claim type

  • Submit the claim form(s) and complete invoice/receipt with all pages including discounts, taxes, charges for other pets, remaining balances, etc. just as you would a claim for accidents or illnesses

That’s it! The claim status will be updated in MyEmbrace and we will email you with updates as your claim moves through the review process. Wellness Rewards claims are typically processed in five business days or less as long as we receive all necessary information.

what viewing a claim looks like on an iphone

How to view your claims

You can view and track your claims in MyEmbrace online or in the app.

Claims are listed within each pet’s profile. Simply select the image of the pet you’d like to review claims for. Here you can:

  • View Claims by Date of Service

  • Review the Claim Status

  • Reach Out to Our Claims Team Directly via Email

  • Download Your Explanation of Benefits (EOB)

Frequently asked questions about pet insurance claims