Step 1. Complete Your Claim Form

You can submit claims at any point in the policy year they occurred, plus 60 days into your next policy term. For accidents and illnesses, please have a staff member from the veterinary hospital complete the claim form.

You can access your claim form by:

  • Printing out the form that came with your enrollment e-mail
  • Downloading it through your MyEmbrace account online or in the Embrace Pet Insurance app
  • Calling us at (800) 511-9172 if you need it mailed to you or faxed to your vet

Tip: Store several copies of your claim form in your pet's file at your vet's office and one in your car's glove compartment. Then you have it on hand whenever you need it.

Step 2. Attach Itemized Invoices

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

Step 3. Send Everything In

Embrace runs a paperless operation and we can process your claim faster and get your claim refund out sooner if you send your claim electronically via fax (800) 238-1042, email us, or direct upload in MyEmbrace.

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

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

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.

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 in your MyEmbrace account or by giving us a call at (800) 511-9172 (Monday - Friday 8:30 a.m. - 8 p.m. and Saturday 9 a.m. - 1 p.m. ET).