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How Do I Appeal a Claim Decision?
How Do I Appeal a Claim Decision?

What an appeal is and how to submit.

Updated over a week ago

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 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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