Embrace: waiting period appeal (orthopedic)

[Your Name]
[Date]

Embrace Appeals
RE: Claim #_____

The denial cites the 6-month orthopedic waiting period. I am appealing because:
1. Symptom onset was on [date], which is AFTER the waiting period ended ([end date]).
2. The injury described is acute and traumatic ([describe event]) — not a progressive condition that could have been developing during the waiting period.
3. The treating vet confirms acute, traumatic etiology (letter attached).

Please reverse and pay $_____.

Sincerely,
[Signature]

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