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Insurance Claims Process

STEP ONE

PURCHASE YOUR AOC PRODUCT FROM OUR SITE

All of AOC’s orthotics and prosthetics are typically covered through Embrace insurance.* Pain management products are not covered under the general plan. If you have the Embrace Wellness plan then you can use your wellness rewards towards AOC’s pain management products.

STEP TWO

RECEIVE YOUR INVOICE

If for any reason your invoice goes missing. No worries, send us an email and we can send you a copy.

STEP THREE

COMPLETE THE CLAIM FORM

You will need to submit one claim for each pet on the invoice.

STEP FOUR

SUBMIT YOUR CLAIM & INVOICE THROUGH MYBRACE

The claim review process typically takes 10-15 business days. It may take longer if it’s your first claim.

To track the status of your claim, simply log in to MyEmbrace.

STEP FIVE

GET PAID!

You will receive an email notification of your reimbursement. You have two options of being paid:

1) A check in the mail (10 business days)
2) Direct Deposit to your account.

 

Frequently Asked Questions

No, Unfortunately, if your pet has a preexisting condition such as an ACL Tear, it will not be covered.

Yes absolutely. Assuming you are over the 48 hour waiting period for accidents.

No we do not make any guarantees. Animal Ortho Care does not have control over the claims process at Embrace Pet Insurance.

No. Embrace Pet Insurance does not increase your premium when you submit a claim. For more information about premium increases at the time of your policy renewal, please visit their renewals page.

 

You can appeal any claim decision that you feel is inaccurate within 14 days of our decision. 

For the appeal, please have your veterinarian write us a letter or email that addresses the reason the claim wasn’t covered and the claim number(s). The letter must be on their practice’s letterhead or include the practice’s stamp. If an appeal is sent via email, it must come from your veterinarian’s email. Additional information that they may not have provided initially is helpful as well (medical records, lab test results, X-rays, etc.).

Appeals can be sent to:

  • Email: askclaims@embracepetinsurance.com
  • Fax: (800) 238-1042 
  • Mail: Embrace Pet Insurance
    PO Box 22188
    Beachwood, OH 44122-0188

Please note that appeals can take 15-20 business days to review. You will receive an email confirmation once it has been received.

You can request a medical history review after you sign up with Embrace Pet Insurance but before you submit your first claim. When you request a medical history review, our claims team will reach out for your pet’s medical records for all visits they had within 12 months of enrollment (if you have a puppy, kitten, or newly adopted pet, we’ll request from the date you brought them home if it’s less than one year) for review. You will receive an email of the review within 15 business days of our team gathering the full records to let you know what, if anything, would be considered pre-existing and for how long.

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