Common use of Second Appeal Clause in Contracts

Second Appeal. If you disagree with our decision in the First Appeal, you may request a Second Appeal via an external review. A request for a Second Appeal must be made within thirty (30) days of the date of issuance of our First Appeal decision to you. An impartial Veterinarian selected by Embrace: a. Who is independent of Embrace and the Named Insured, b. Who is not controlled by us, and c. Who has not been a part of your Pet’s veterinary team previously, will conduct an external review of medical records and appeal letters and will answer questions about the conditions noted in these records. Embrace will provide the decision to the Named Insured within five (5) business days of receiving the independent Veterinarian’s report. The Second Appeal process may take up to sixty (60) days. If the complaint is regarding the policy terms and conditions and not a medical issue, your Second Appeal will be submitted to Embrace’s underwriting company for review, not to an external Veterinarian.