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 decisions reassessed if you feel they are incorrect. Appeals must be submitted within 60 days of your policy renewal.
What to Include in an Appeal
We don't require anything specific to submit an appeal, but we highly recommend including a letter from your veterinarian that 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
It also helps to include any information that may not have been provided initially, such as:
Medical Records
Lab Results
X-rays
Note: We recommend the letter be on your vet practice's letterhead, bear the practice's stamp, or come directly from their email address.
Where to Submit Appeals
Email: 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 are completed in either 15 or 30 business days depending on your policy version. Review your specific terms and conditions for the timeline that applies to you.
What if the Decision is Not Overturned?
If your appeal is not successful, you can request a second appeal. Second appeals need to be requested within 30 days of the original appeal decision
To request a second appeal, contact the Embrace claims adjuster who processed the first appeal, claim, or medical history review. You can also email askclaims@embracepetinsurance.com for additional information.
We don't require any additional documentation or information for a second appeal.