---
title: What Is a Medical History Review, and How Would I Request One? | 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: 2025-10-02T19:06:16.000Z
sources:
  html: https://www.embracepetinsurance.com/help/article/what-is-a-medical-history-review-and-how-would-i-request-one
  md: https://www.embracepetinsurance.com/help/article/what-is-a-medical-history-review-and-how-would-i-request-one.md
---

---

# How can we help?

Search Search

---

[Help Hub](/help)
![Chevron Right](-)
[Insurance Coverage Details](/help/category/insurance-coverage-details)
![Chevron Right](-)
[What Is a Medical History Review, and How Would I Request One?](/help/article/what-is-a-medical-history-review-and-how-would-i-request-one)
<!-- <main> -->
# **What Is a Medical History Review, and How Would I Request One?**

How to request a medical history review to better understand your pet's coverage.



## What is a Medical History Review?

A medical history review is a detailed assessment of your pet’s medical records performed by an Embrace claims adjuster. This tells you if your pet has any conditions that would be considered [pre-existing](https://www.embracepetinsurance.com/help/article/what-are-pre-existing-conditions-and-does-embrace-cover-them) and for how long.*

*This process is not automatically done, this must be requested, otherwise, we will not review the records until the first claim.

## Requirements to Perform a Medical History Review

- Your pet’s veterinary records from 12 months prior to the start date of your policy through the end of the illness [waiting period](https://www.embracepetinsurance.com/help/article/what-waiting-periods-does-embrace-have)
- For puppies, kittens, or newly adopted pets, we require records from the time they entered your care if it’s less than 12 months
- Veterinary records include all detailed chart notes, SOAP notes, exam notes, & lab results
- Invoices & medical history summaries are NOT sufficient to process a medical history review
**Note:** Medical records are requested at the end of your pet’s [14-day illness waiting period](https://help.embracepetinsurance.com/en/articles/4743106-waiting-periods-explained). The review does not conclude until our adjusters have all the required records.

## When to Request a Medical History Review

A medical history review can be requested any time after the purchase of a policy by emailing your request to [askclaims@embracepetinsurance.com](mailto:askclaims@embracepetinsurance.com).

## Appealing a Medical History Review

If you believe that our assessment of your pet’s veterinary records is incorrect, you can [appeal](https://www.embracepetinsurance.com/help/article/how-do-i-appeal-a-claim-decision). To appeal your assessment, respond to the medical history review email and the claims adjuster will provide additional information.




<!-- </main> -->

---

## 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

##### Policy Quotes & Purchase

Monday - Friday: 9 am - 8 pm ET

Saturday: 10 am - 4 pm ET

Phone: (855) 540-0591



---

---

### Ready to protect your furry friend?

Call [(800) 779-1539](tel:8007791539)

Get a Quote

---