---
title: How Do I Appeal a Claim Decision? | Embrace Pet Insurance Help Center
description: Embrace offers personalized, affordable pet insurance for dogs & cats with up to 90% back at any vet. Add a wellness plan for total protection. Get a free quote for your pet's customized policy.
lastUpdated: 2025-10-02T19:06:14.000Z
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  md: https://www.embracepetinsurance.com/help/article/how-do-i-appeal-a-claim-decision.md
---

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[How Do I Appeal a Claim Decision?](/help/article/how-do-i-appeal-a-claim-decision)
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# **How Do I Appeal a Claim Decision?**

What an appeal is and how to submit.



## **What is an Appeal?**

An appeal is a process that you can submit to have claim or [medical history review](https://www.embracepetinsurance.com/help/article/what-is-a-medical-history-review-and-how-would-i-request-one) decisions reassessed if you feel they are incorrect.  Appeals must be submitted within 60 days of our decision.

## Requirements to Submit an Appeal

A letter from your veterinarian that specifically addresses:

- The reason that your pet’s claim or condition was not covered
- The claim number that the appeal references (for claim appeals only)
- Why our assessment was incorrect
Additional information that may not have been provided initially, including:

- Medical Records
- Lab Results
- X-rays
**Note:** The letter must be on your vet’s practice’s letterhead, include the practice’s stamp, or be sent from their email address directly.

## Where to Submit Appeals

Email: [askclaims@embracepetinsurance.com](mailto:askclaims@embracepetinsurance.com)

Fax: (800) 238-1042

Mail: Embrace Pet Insurance

PO Box 22188

Beachwood, OH 44122-0188

## How Long Does an Appeal Take to Process?

Appeals can take 15-20 business days to be reviewed.

## What if the Decision is Not Overturned?

If the appeal does not overturn the original decision, you can request a second appeal.

To request a second appeal, contact the Embrace claims adjuster who processed the first appeal, claim, or [medical history review](https://www.embracepetinsurance.com/help/article/what-is-a-medical-history-review-and-how-would-i-request-one). You can also email [askclaims@embracepetinsurance.com](mailto:askclaims@embracepetinsurance.com) for additional information.

Second appeals require additional documentation or information that may have not been included in the first appeal, claim, or medical history review itself.




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## Still Have Questions?

Get in touch with our Insurance and Claims Experts

##### Customer Care

Monday - Friday: 9 am - 8pm ET

Saturday: 10 am - 2pm ET

Phone: (855) 540-2104*

Fax: (800) 238-1042

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Saturday: 10 am - 4 pm ET

Phone: (855) 540-0591



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