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What Should I Expect When Submitting My First Claim?
What’s needed, how you’ll be notified, and what you can expect.
What’s Required for My First Claim?
What’s required? | What is it? |
Itemized Invoice | An invoice/receipt typically given after you pay that includes the total amount for your pet’s visit, discounts, taxes, other pets, etc. Note: Should include all pages of the invoice |
Diagnosis or Reason for Visit | The reason your pet was seen by the vet (i.e. vomiting, diarrhea, scratching ear, allergies, limping, etc.) |
Medical Records | Your pet’s complete medical history. Unless a medical history review was done previously, your first accident or illness claim can take longer to process because our team is going through your pet’s records for the first time. |
Note: If you submit claims outside of MyEmbrace online or in the Embrace Pet Insurance app, make sure to include the claim form(s) and all pages of the complete invoice.
How Long Will It Take for My First Claim to Process?
First claims for accidents and illnesses can take up to 30 business days to process.
Claims for Wellness Rewards are typically processed in 5 business days or less.
Note: Your claim could experience a delay if we are missing necessary information (visit notes, invoice, diagnosis, etc.)
How Will I Be Notified of My Claims Status?
Email – You’ll receive an email when your claim status changes.
Claims & documents are typically confirmed by email within 2 business days of receipt
If you don't 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
MyEmbrace – You can track your claim status online at any time by logging in online to MyEmbrace.
Mobile App – You can also track your claim status via the Embrace Mobile App
Note: If your vet’s office faxes or emails information to us, it can take up to 2 business days for the status of your claim to be updated in MyEmbrace.