All Collections
Claim Information
Processing Claims
How Long Does It Take for Embrace to Process Claims, and What Are the Claim Statuses?
How Long Does It Take for Embrace to Process Claims, and What Are the Claim Statuses?

How long you can expect claims to process and what the processing status means.

Updated over a week ago

Processing Times

  • For accident or illness claims we ask for 10-15 business days to process claims, but usually they’re processed much quicker

  • Claims for Wellness Rewards  are typically processed in 5 business days or less as long as we receive all necessary information

Note: Your claim will experience a delay if we are missing necessary information (visit notes, invoice, diagnosis, etc.)

How You Receive Claims Notifications

  • Claims & documents are typically confirmed by email within 2 business days of receipt

  • If you do not receive a confirmation email within 4 business days of your submission, we may not have received it. Please contact us to verify or you may send them again

Note: If your vet’s office faxes or emails information to us, it can take up to two business days for the status of your claim to be updated in your MyEmbrace customer account.

Claim Statuses in MyEmbrace

Track your claims through MyEmbrace online or in the Embrace Pet Insurance app.


Your claim is being set up

Pending Medical History

Your claim is missing information such as visit notes or medical records

To process accident & illness claims, we require detailed medical records from all veterinarians that your pet visited in the 12 months prior to the start of your policy (or since they came into your home for puppies, kittens, or recently adopted pets) through the end of the illness waiting period. Vaccine records & summaries are not sufficient

Pending Info

Your claim is missing a diagnosis or reason for visit

Your claim is missing a complete itemized invoice. We need ALL invoice pages including tax, discounts, & total amount for all pets on the invoice, even if they aren’t insured

We have not received the necessary information to continue processing your claim after reaching out for additional information

In Review

Your claim is being reviewed by our Claims Team


Your claim has been reviewed & is complete & your Explanation of Benefits is available to view

Did this answer your question?