How to cancel Embrace pet insurance
To cancel Embrace pet insurance, call their customer service line at 1-855-387-2263 during business hours (Monday through Friday, 9 a.m. to 6 p.m. Eastern time). Have your policy number ready. You can also request cancellation by logging into your online account and submitting a cancellation request through the portal, though a phone call is faster and gives you when ready confirmation.
Embrace will ask when you want the cancellation to take effect. You can cancel when ready or choose a future date. If you cancel mid-month, most policies refund the unused portion of your premium on a prorated basis—meaning you pay only for the days you were covered. Ask the representative to confirm the refund amount and timeline before you hang up.
Keep your cancellation confirmation number. Embrace will send a written confirmation email within a few business days. If you don't receive it within five business days, call back and reference your confirmation number to verify the cancellation went through.
Key Takeaways
- Call Embrace at 1-855-387-2263 during weekday business hours with your policy number to cancel over the phone, which is the fastest method.
- You can choose an when ready cancellation date or pick a future date when you want coverage to end.
- Embrace refunds the unused portion of your premium if you cancel mid-month, calculated on a prorated daily basis.
- Request and save your cancellation confirmation number, and verify you receive written confirmation by email within five business days.
- If you're switching to another insurer, ask Embrace for a letter showing your coverage dates and any pre-existing condition exclusions, which your new insurer may need.
What happens to your coverage after cancellation
Your pet's coverage ends on the date you specify during cancellation. If you cancel effective when ready, you are no longer covered as of that moment—any vet visit after that date will not be reimbursed by Embrace, even if you submit the claim later.
If you have pending claims (claims you've already submitted but haven't been paid yet), Embrace will still process those as long as the service date falls before your cancellation date. Claims submitted after your cancellation date will be denied.
Once your policy is cancelled, you cannot restart the same policy. If you change your mind and want coverage again, you will need to submit a new process. This means your pet will go through underwriting again, and any conditions that developed after your cancellation date may be treated as pre-existing and excluded from the new policy.
Reasons to cancel and what to consider first
Common reasons for cancellation include switching to a different insurer with better coverage or lower premiums, no longer needing pet insurance, or financial hardship. Before you cancel, review whether your current plan actually covers what you need. Some owners cancel thinking the plan doesn't cover a condition, when the issue is a waiting period or a specific exclusion that another plan might also have.
If cost is the reason, contact Embrace first to ask about adjusting your deductible or coverage limits rather than cancelling outright. Raising your deductible from $250 to $500, for example, lowers your monthly premium. You can also ask whether Embrace offers any discounts you're not currently using—some policies may have access to for multi-pet discounts or discounts for paying annually instead of monthly.
If you're switching insurers, do not cancel Embrace until your new policy is active and you've confirmed coverage. Some insurers have waiting periods before they cover certain conditions, and you don't want a gap where your pet has no coverage at all.
Getting a refund for unused premiums
Embrace calculates refunds on a daily prorated basis. If your policy costs $50 per month (roughly $1.67 per day) and you cancel on the 15th of the month, you've used 15 days of coverage and are owed a refund for the remaining 15 days—about $25.
The refund is issued to the original payment method you used when you set up the policy. If you paid by credit card, it goes back to that card. If you paid by bank account, it returns to that account. Refunds typically appear within 7 to 10 business days after cancellation, though this depends on your bank or card issuer.
Ask the Embrace representative for the exact refund amount before you confirm the cancellation. If your refund doesn't appear within two weeks, call Embrace back with your cancellation confirmation number and ask them to verify the refund was processed.
Cancellation and pre-existing conditions on a new policy
If you cancel Embrace and later sign up with a different insurer, any health condition your pet had before the new policy's start date is considered pre-existing. The new insurer will ask for your pet's medical history, and they may exclude conditions that appeared or were diagnosed during the time you had Embrace coverage.
Before you cancel, request a letter from Embrace listing your pet's coverage dates and any conditions that were already excluded under your original policy. This document helps your new insurer understand what was already ruled out, versus what developed while you were covered. Some new insurers will honor the original exclusions rather than adding new ones.
The longer the gap between cancelling Embrace and starting a new policy, the more conditions may be classified as pre-existing by the new insurer. If you're switching, aim to have your new policy active within a week or two of cancelling the old one.
What to do if you have trouble cancelling
If Embrace refuses to process your cancellation request or claims they never received it, ask to speak with a supervisor. Request that your cancellation be documented in writing and sent to you by email. If the supervisor won't help, file a complaint with your state's Department of Insurance. Each state has an insurance commissioner's office that handles consumer complaints against insurers.
To find your state's insurance department, search "[your state] department of insurance complaint" online. You'll need your policy number, the date you requested cancellation, and any confirmation numbers or emails you received. The state will investigate whether Embrace violated insurance regulations.
Keep copies of all emails, confirmation numbers, and notes about phone calls. If you paid by credit card and Embrace continues charging you after your cancellation date, you can also dispute the charge with your credit card company as unauthorized.
Frequently Asked Questions
Can I cancel Embrace pet insurance anytime, or is there a contract lock-in period?
Embrace policies renew monthly and can be cancelled at any time without penalty. There is no minimum contract period or early termination fee. You can cancel effective when ready or choose any future date you prefer.
What if I cancel mid-month—do I lose the whole month's premium?
No. Embrace refunds the unused portion of your premium on a daily prorated basis. If you cancel on the 15th of a 30-day month, you receive a refund for the remaining 15 days of coverage you paid for but did not use.
Will cancelling Embrace affect my ability to get pet insurance elsewhere?
Cancelling a policy does not hurt your ability to get coverage from another insurer. However, any conditions your pet developed or was diagnosed with during your time with Embrace may be excluded by the new insurer as pre-existing. Request a letter from Embrace documenting your coverage dates and any original exclusions before you cancel.
Can I restart my Embrace policy after I cancel it?
No. Once you cancel, that policy is closed. If you want Embrace coverage again, you must submit a new process and go through underwriting. Your pet will be evaluated as if explore for the first time, and conditions that developed after your cancellation date will likely be excluded.
What if Embrace keeps charging me after I cancel?
Contact Embrace when ready with your cancellation confirmation number and ask them to stop the charges. If they continue billing you, dispute the charges with your credit card company or bank as unauthorized transactions. You can also file a complaint with your state's Department of Insurance.