Medical History Review

No one likes surprises - at least when it comes to their pet insurance policy. Request a medical history review to get a clear picture of how your pet's health history could impact your coverage.

For Certainty & Peace of Mind

A medical history review is completely optional. It's offered so you can feel confident in your pet's coverage. It's essentially a complete assessment of your pet's health history from an insurance perspective.

As a result of your pet's review, you'll know if your pet has any conditions that would be considered pre-existing and for how long. That way, you won't be surprised when it comes time to file a claim.

Available After You Purchase a Policy

You can only request a medical history review after you have enrolled your pet. Once you sign up, you can request your pet's medical history review at any time.

We recommend a medical history review if your pet has experienced any illnesses or injuries before you purchased your policy. When in doubt, ask for a review.

How to Request a Medical History Review

After you have enrolled your pet in an Embrace plan, e-mail with a request for a medical history review. We will email you instructions on how to proceed from there.

If your pet's medical history review reveals pre-existing conditions that impact his coverage in such a way that you don't wish to continue the policy, you can cancel at any time. If the review is requested and all the necessary medical history is submitted in the first 30 days, you'll receive a full refund (as long as you haven't filed a claim) thanks to our 30-day money-back guarantee. 

If your medical history review is conducted after the first 30 days of your policy term, you will be refunded any unused premium.

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Copyright 2005-2019

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. © 2016 American Modern Insurance Group, Inc.