The invention discloses a three-dimensional finite element modeling method for a soil arch effect in a pile type embankment. The method includes following steps: simplifying actual condition of the pile type embankment, extracting geometric parameters of a structure, applying a finite element analysis software ABAQUS, taking 1/4 pile, pile-surrounding soil body and the embankment as a typical unit for analysis, and establishing a finite element model; adopting a moore-kulun model for embankment padding and soft soil, and endowing corresponding material parameters; setting element attributes of the embankment and the soft soil, and dividing a gridding; setting edge conditions of an embankment structure; and applying load to the embankment structure. The method is based on a three-dimensional finite element value software ABAQUS, a three-dimensional finite element value model for studying the soil arch effect in the pile type embankment is established by simplifying a practical structure of the pile type embankment and considering influence of bearing capacity of the soft soil to the soil arch effect, and beneficial reference can be provided for design research of the pile embankment.