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 14 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
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. You can also email 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.