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Embrace Pet Insurance — Appeal a Denied Claim

Embrace accepts appeals through the MyEmbrace customer portal or by emailing [email protected]. The first appeal window is 14 days from the original claim decision. If the first appeal is denied, the policyholder may request a Second Appeal — an external review by an impartial veterinarian selected by Embrace who is independent of the carrier — within 30 days of the First Appeal decision. Embrace explicitly informs policyholders they may file a complaint with their state insurance department at any time during the appeal process.

Last verified 2026-05-06 · Verification pending — see citations below

Quick reference

Appeal channel

[email protected]

Portal: Sign in

1-800-511-9172

Appeal window

14 days from denial

Carrier response

~28 days

Underwriter

Embrace Pet Insurance Agency, LLC (administrator); underwritten by American Modern Insurance Group subsidiaries — American Modern Home Insurance Company (d/b/a in CA as American Modern Insurance Company) and American Southern Home Insurance Company.

What the appeal letter must include

  • •Reference to the claim number
  • •The reasons you believe the claim decision is inaccurate
  • •Reference to the Explanation of Benefits

Required attachments

  • •Supporting medical records
  • •Any additional documentation that addresses the cited exclusion

Common denial reasons at Embrace Pet Insurance

Based on the carrier's own policy language and consumer-complaint patterns. Pick the closest match for the cited reason in your denial letter.

Pre-existing condition

The carrier is saying your pet had this issue — or showed signs of it — before they started insuring you. Whether they're right depends on what your vet records actually show, when the first symptoms appeared, and how the carrier defines 'pre-existing' in your specific policy.

Bilateral condition

The carrier is treating one knee's prior surgery (or one ear's prior infection) as evidence that your pet is predisposed to the same problem on the OTHER side — and refusing to cover the second side. This is the most aggressive use of the pre-existing rule and one of the most fightable.

Dental exclusion

The carrier is splitting dental into two buckets: 'disease' (excluded) and 'accident' (often covered). The fight is whether your specific dental work is one or the other — and many cases sit in a gray zone.

External escalation

From Embrace's own appeal page: 'If you disagree with the decision made at any time during the appeal process, you have the right to file a complaint with your State's Department of Insurance.' This is one of the strongest external-escalation pointers in the industry.

Find your state insurance commissioner →

Sources

We use Google Analytics to understand which carrier hubs and denial-reason pillars are most useful. We never log the specific inputs you put into the Appeal Letter Generator — that runs entirely in your browser. Read our privacy policy.