Contact Embrace directly by phone or online portal

To cancel Embrace pet insurance, you need to reach the company directly—there is no third-party cancellation service. Call Embrace at 1-855-436-2738 during business hours (Monday through Friday, 8 a.m. to 8 p.m. Eastern time). Have your policy number ready, which appears on your billing statements or in your online account.

If you prefer not to call, log into your Embrace account on their website and look for account settings or policy management options. Some insurers allow cancellation through the online portal, though Embrace may require a phone call to confirm. Check your account dashboard first to see what options are available to you.

When you call or submit a cancellation request, Embrace will ask when you want the cancellation to take effect. You can usually cancel when ready or on a future date. If you have an active claim pending, the company may require you to wait until it is resolved before processing the cancellation.

Key Takeaways

  • Call Embrace at 1-855-436-2738 with your policy number to start the cancellation process, or check your online account for a cancellation option.
  • Cancellation can take effect when ready or on a date you choose, but pending claims may delay the process.
  • Request written confirmation of your cancellation and the effective date so you have proof the policy ended.
  • Check your final bill to confirm you are not charged after the cancellation date, and verify that any remaining balance is refunded or credited.
  • If you are switching to another insurer, do not cancel Embrace until your new policy is active to avoid a gap in coverage.

Understand your cancellation effective date and refund policy

Embrace will tell you when your cancellation takes effect. If you cancel mid-month, you may receive a refund for the unused portion of your premium, depending on the exact date and your policy terms. Some insurers refund on a pro-rata basis (the number of days you did not use), while others may not refund at all if you cancel after a certain point in the billing cycle.

Ask Embrace specifically whether you will receive a refund and how long it will take to process. Refunds typically arrive within two to four weeks, though this varies. Request the refund amount in writing so you know what to expect on your next bill or bank statement.

Get written confirmation of your cancellation

After you cancel, ask Embrace to send you written confirmation by email or mail. This confirmation should include your policy number, the cancellation date, and any refund amount. Save this email or letter—you may need it later if a charge appears on your account after the cancellation date, or if you need to prove the policy ended for another reason.

If you cancel online, take a screenshot of the confirmation page. If you cancel by phone, note the date and time of your call, the representative's name if they provide it, and any confirmation number they give you. These details help if you need to dispute a charge later.

Avoid coverage gaps if you are switching insurers

Do not cancel Embrace until your new pet insurance policy is active and you have received confirmation that it is in force. Pet insurance policies usually have waiting periods for new conditions, so if your pet becomes ill or injured between the time you cancel Embrace and your new policy starts, that condition may not be covered by either insurer.

Contact your new insurer and confirm the exact date your coverage begins. Then call Embrace and time your cancellation to end on the day before, or on the same day your new policy starts. This overlap of one day is safer than a gap.

Check your final bill and account activity

After your cancellation date passes, monitor your bank account or credit card to make sure Embrace does not charge you again. Sometimes a charge scheduled before the cancellation date will still process. If you see a charge after your cancellation date, contact Embrace when ready with your confirmation number and ask them to reverse it.

Log into your Embrace account a few days after the cancellation date to confirm the policy shows as cancelled. If the account still shows active or you see unexpected charges, call customer service again and reference your previous cancellation confirmation.

What to do if Embrace denies your cancellation request

Embrace should allow you to cancel at any time, but if the company refuses or delays, ask why in writing. Common reasons include an active claim that the company wants to resolve first, or a billing issue on your account. If there is an active claim, ask when you can expect it to be resolved and when you can cancel after that.

If Embrace continues to refuse without a clear reason, file a complaint with your state's insurance commissioner. Each state has an insurance department that handles consumer complaints against insurers. You can find your state's contact information through the National Association of Insurance Commissioners (NAIC) website. Include your policy number, cancellation request date, and any written communication from Embrace in your complaint.

Frequently Asked Questions

Will I lose coverage when ready if I cancel Embrace?

Your coverage ends on the cancellation date you choose or that Embrace confirms. If you cancel effective when ready, you lose coverage right away. If you choose a future date, you remain covered until that date. Make sure your new policy is active before your Embrace coverage ends.

Can I cancel Embrace if I have a pending claim?

Embrace may ask you to wait until a pending claim is resolved before processing your cancellation. This protects both you and the company. Ask how long the claim review typically takes and when you can cancel after it is resolved. You can still cancel, but the timing may not be when ready.

What if Embrace charged me after I cancelled?

Contact Embrace right away with your cancellation confirmation number and the date of the unwanted charge. Ask them to reverse it and refund the amount. If they do not respond within a few business days, dispute the charge with your bank or credit card company and provide your cancellation confirmation as proof.

Do I need to cancel in writing, or is a phone call enough?

A phone call is usually enough to start the cancellation, but always request written confirmation afterward. Written confirmation protects you if there is a dispute later about whether you actually cancelled. Email confirmation from Embrace or a screenshot of an online cancellation is acceptable proof.

Can I cancel Embrace and get my money back for the whole month?

Refunds depend on your policy terms and when you cancel. Most insurers refund unused premium on a pro-rata basis if you cancel mid-month, but some do not refund at all after a certain date. Ask Embrace about their refund policy when you call to cancel, and request the refund amount in writing.