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 the Embrace website 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 your account and in the app.
Log in to your account, 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 your account for easy tracking.
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 your account.
Claims for Recurring Prescriptions If you are not submitting an Embrace Pet Insurance claim via your Embrace website account or app, 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 your Embrace website account or app, 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 your account (this is the Send Documents section in the Embrace Pet Insurance app).
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.
Submitting a Wellness Claim via the Embrace website 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 your account 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.
You can view and track your claims via the Embrace website 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)