Medical History Review

If you want a clear picture of how your pet's health to date could impact his pet insurance coverage we encourage that you request a medical history review.

A medical history review is not a requirement. It is voluntary and we offer it to help give you peace of mind.

What Is It?

A medical history review is a complete assessment of your pet's health history from an insurance perspective.

As a result of your pet's review, we will tell you which, if any, of your pet's conditions are pre-existing and for how long. That way, you will not be surprised when it comes time to file a claim.

When Should I Do It?

You can only request a medical history review after you have enrolled your pet. We then recommend that you request your pet's medical history review as soon as practical after enrolling.

Which Pets Need It?

We recommend a review if your pet has had one or more medical conditions before you purchased your policy: older pets with a few issues here and there over the years or younger pets with past surprises – if you are not sure, ask for a review.

How Do I Request It?

After you have enrolled your pet in an Embrace plan online or by phone, e-mail with a request for a medical history review. We will email you instructions on how to proceed from there.

What If I Don't Like the Outcome?

If your pet's medical history review reveals that there are pre-existing conditions that impact his coverage in such a way that you don't wish to continue the policy, you can take advantage of our 30-day money-back guarantee. Embrace will refund your money as long as you haven't made a claim.

If your medical history review is conducted after the first 30 days of your policy term then we will issue you a refund of unused premium.