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 request a medical history review only after you have enrolled your pet. After signup, this can be requested 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 enrolling, email a medical history review request to and we’ll send you an email confirmation of the request. For the review, we need detailed medical records for your pet from 12 months before your policy began, or since your pet came home with you if they are a puppy or kitten or recently adopted.

The request for medical records is sent at the end of your 14-day illness waiting period and the review begins once the records are received by Embrace.

If your pet’s review results show pre-existing conditions that impact coverage in a way that you don’t wish to continue the policy, you may cancel at any time for a partial refund of the unused premium.

Mind if we pay your vet bills?

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.