Submitting My Claims

You don’t have to jump through hoops to file and track your claims. MyEmbrace is the fastest way to submit, but we’ve got other options too.

Manage Claims in MyEmbrace

With just a click of a button you can submit and track your entire claim. Log in to MyEmbace to do any of the following:

  • Download your claim form
  • Submit claims
  • Upload supporting documents
  • Track your claim status
  • View Explanation of Benefits
  • Contact our Claims Team 

Claims Turnaround Times

How long do claims take?

  • 10-15 business days for accident & illness claims
    • First claims usually take the entire 15 business days
    • Claims are delayed if we’re missing information (visit notes, invoice, diagnosis, etc.)
    • We’ll let you know if we’re missing something via MyEmbrace
  • 5 business days or less for Wellness Rewards claims

How long does it take for Embrace to receive what I’ve sent?

  • We typically confirm receipt within 2 business days
  • If you haven’t received confirmation within 4 business days, please contact us to verify or try sending again  

Common Claims Questions

How do I submit my claim?

  • MyEmbrace online or in the app (this is the fastest way to submit)  
  • Email:
  • Fax: (800) 238-1042
  • Mail: Embrace Pet Insurance
    PO Box 22188
    Beachwood, OH 44122-0188

What can I do if my claim wasn't covered?

The Explanation of Benefits explains why the claim wasn’t covered. You can appeal any claim decision that you feel is inaccurate within 14 days of our decision. If you wish to appeal a claim decision, refer to your Explanation of Benefits for instructions.

What does Embrace need to process my claim?

  • Claim form
  • Complete invoice (including tax, discounts, shipping, other pets, blank pages, etc.)
  • For first claims: Your pet’s medical records from 12 months before you enrolled (or from the time you brought them home if they were less than 12 months old when you signed up)

Why does Embrace need more information from my vet?

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. Your claim cannot be processed until this information is received.

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Questions still hounding you?

Contact our Customer Care Team.

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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.