How To Cancel Embrace Pet Insurance

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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A girl on her phone calling pet insurance company with dog sitting in lap on a sofa.

Sometimes, pet insurance policies need to be canceled for one reason or another. If you are contemplating terminating your Embrace plan, here is a quick answer on how to cancel Embrace Pet Insurance. We’ll even help you find a new insurer if you want.

In-Depth Review Of Embrace

Read our complete review of Embrace to learn more about this provider and its coverage, reimbursement process, pros, cons, FAQs, and more.

How To Cancel Embrace Policy

The Embrace cancellation policy states:

You may cancel this policy at any time by:
i. Calling;
ii. Emailing; or
iii. Writing to us;
And stating the future date that you wish the cancellation to be effective.

It is best to call or email your termination request to Embrace. However, if you prefer another option, I’ve included faxing too.

3 Ways To Call & Cancel

If you’d like to speak with an Embrace representative about canceling, dial one of the phone numbers below.

  1. (800) 511-9172
    • This is the phone number Embrace lists for you to call if you want to terminate your policy. It is also the number used for claim filing.
  2. (855) 540-2104
    • This is Embrace’s customer care line. Embrace alerts callers, saying, “Due to high call volume, longer hold times can occur.” However, if you find it challenging to get through via the first phone number above, this number may be worth a shot.
  3. (855) 540-0591
    • This phone number is listed for getting quotes and buying a policy. It could be your fastest way to speak with a human, as companies typically want phone lines associated with sales to have little to no wait times. It may be a good option if the first two numbers aren’t getting you through to a human.

Once you are connected with a representative on the phone, you can ask any questions about canceling your policy. If they say they can terminate your policy over the phone, then you can proceed if you’d like. However, once they confirm they’ve terminated the policy, ask them to email you a confirmation message that the policy has been terminated. Having it in writing will help you should you accidentally be billed afterward.

Available Hours For Calling

You can reach Embrace during the following times.

  • Monday – Friday: 9am to 8pm EST
  • Saturday: 10am to 2pm EST
  • Sunday: Unavailable

Email To Cancel

You can email your cancellation request to Embrace at [email protected].

Fax To Cancel

You can try canceling Embrace Pet Insurance by faxing 800-238-1042. But be sure to confirm via phone to make sure it was received and processed.

How To Find A New Pet Insurance Company

If you’d still like to insure your pet but weren’t satisfied with Embrace, look at our pet insurance reviews to see which pet insurance companies our experts recommend. Additionally, you can get quotes from many of the top pet insurance companies by filling out the quote form below.

Our Experience Emailing Embrace To Cancel

Sadie Cornelius, a team member here at Canine Journal, called Embrace during the first 30 days of her policy to cancel after she realized Pets Best offered much lower prices to insure her Cavalier King Charles Spaniel puppy, Georgie. She also terminated the Embrace policy she had used for years with her previous dog, Lexie after she passed away. Both times she said canceling was easy, and afterward, she received an email from Embrace confirming termination. The Embrace email stated:

This e-mail is just to confirm that your Embrace Pet Insurance policy has been cancelled effective (date redacted). Your payment will be refunded in the amount of $64.35 for insurance. There will be no future charges. If this cancellation has been made in error, please notify us as soon as possible to avoid interruptions in your coverage. Please note that you have 60 days from the date your policy was closed to submit any final claims.

If you would prefer to make changes to adjust your coverage, you do not need to cancel your policy. We would be happy to discuss policy adjustments with you to better meet your needs. If you contact us within two business days, we will re-instate your policy without any lapse in coverage.

Please let us know if we can be of assistance to you with your pet insurance needs in the future. We hope that you’ll let us know if there is something we can do to improve our service or coverage. We can be reached at (800) 511-9172 or via return email.

This e-mail is just to confirm that your Embrace Pet Insurance policy has been cancelled effective (date redacted). Your payment will be refunded in the amount of $64.35 for insurance. There will be no future charges. If this cancellation has been made in error, please notify us as soon as possible to avoid interruptions in your coverage. Please note that you have 60 days from the date your policy was closed to submit any final claims.

If you would prefer to make changes to adjust your coverage, you do not need to cancel your policy. We would be happy to discuss policy adjustments with you to better meet your needs. If you contact us within two business days, we will re-instate your policy without any lapse in coverage.

Please let us know if we can be of assistance to you with your pet insurance needs in the future. We hope that you’ll let us know if there is something we can do to improve our service or coverage. We can be reached at (800) 511-9172 or via return email.

Here’s what the dashboard looks like on your account after you cancel your policy with Embrace.

Screenshot of Embrace pet insurance dashboard showing cancelled policy png

9 Ways Embrace Can Cancel Your Policy

Did you know Embrace can also cancel your policy? Yup, if you don’t follow through with their terms, Embrace may terminate your policy.

  1. Risk Assessment – Within the first 60 days of the policy period, Embrace may terminate for any reason related to the acceptability of the risk. To notify you, Embrace may mail you a notice of cancelation at least 30 days before the effective date of cancellation.
  2. Nonpayment of Premium – At any time, Embrace may terminate your policy due to failure to pay your premium. Embrace will mail you a notice of cancellation at least 15 days before the effective date of cancellation.
  3. Fraud, Misrepresentation, or Concealment – After your Embrace policy has been in effect for more than 60 days, they may terminate due to fraud, misrepresentation, or concealment in your application for how the policy was obtained. Embrace will mail you a notice of cancellation at least 60 days before the effective date of cancellation.
  4. New Policy Coming – Embrace has agreed to issue a new policy with the same or an affiliated company. Embrace will mail you a notice of cancellation at least 60 days before the effective date of cancellation.
  5. Violation of State Laws – The Department of Insurance of the state governing your policy determines that continuing the policy could violate state insurance laws. Embrace will mail you a notice of cancellation at least 60 days before the effective date of termination.
  6. Failure to Comply with Terms – If you fail to comply with the policy terms and conditions that negatively influences Embrace’s ability to properly assess the claim or other policy details. Embrace will mail you a notice of cancellation at least 60 days before the effective date of cancellation.
  7. Ignoring Requested Information – Failing to provide Embrace with requested information relevant to policy coverage or a claim. Embrace will mail you a notice of cancellation at least 60 days before the effective date of cancellation.
  8. Violence or Aggression – If you threaten violence or are aggressive toward staff, contractors, or property. Embrace will mail you a notice of cancellation at least 60 days before the effective date of cancellation.
  9. Foul Language – Repeatedly using obscene or abusive language. Embrace will mail you a notice of cancellation at least 60 days before the effective date of cancellation.

Frequently Asked Questions

Here are questions we frequently get asked by our readers about canceling Embrace. Don’t see yours? Ask us in the comments.

Can I Get My Money Back From Embrace?

There are three ways you can get a refund from Embrace.

  1. If you cancel your policy within 30 days of the start date and you’ve made no claim(s), Embrace will refund the entire premium you paid to you.
  2. If you cancel your policy within 30 days of the start date, but you made a claim(s), Embrace will refund the premiums for the periods beyond the first month.
  3. If you cancel your policy after the first 30 days of the policy period, Embrace will calculate a refund on a daily pro-rata basis, dependent on the termination date.

Can You Cancel Embrace Pet Insurance At Any Time?

Yes, you can cancel your pet insurance policy at any time.

What Is Embrace’s 30-Day Money-Back Guarantee?

You can cancel your policy for any reason within 30 days of the policy effective date, and Embrace will refund 100% of any premium paid as long as no claims have been reimbursed. This will revoke the policy entirely, denying any pending or not yet submitted claims.

What Happens To Pet Insurance When Pet Dies?

If your pet has crossed over the rainbow bridge, please know my thoughts are with you. It’s clear you cared immensely for your pet by insuring them. I hope you can find comfort in the memories you made with each other.

As for your question, when your pet dies, you should contact Embrace and notify them. You can do so via one of the methods listed above.

Your Dog May Have Pre-Existing Conditions

Before you cancel your Embrace policy, know that any conditions your pet was diagnosed with before or during your dog’s enrollment in Embrace’s insurance will be excluded from coverage by other insurance providers.

This could be consequential if your dog has a chronic condition (e.g., diabetes, allergies, cancer, arthritis, etc.). If your dog fits into this category, I recommend calculating your dog’s medical expenses for the year and considering how Embrace covers eligible conditions now. Are those expenses something you can afford without coverage?

I understand other circumstances cause you to cancel your pet insurance policy, too. Regardless, pet insurance is worth it, and insuring your pet is a great way to protect your wallet and care for your pet.

Why Trust Canine Journal?

Canine Journal has been covering the topic of pet insurance since 2012, well before other conglomerates discovered the rising popularity of health care for our pets. Many of our authors have personal experience with pet insurance, including Michelle SchenkerSadie Cornelius, and Kimberly Alt, who worked together to provide accurate, in-depth detail about how to cancel Embrace and how to move forward with a new pet insurance company. Michelle, Sadie, and Kimberly each have personal experience with pet insurance, which provides an added layer of research and expertise to related content. Kimberly has been Canine Journal’s go-to author for pet insurance for over a decade, having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her extensive list of resources. Michelle’s license in insurance offers additional expertise and authority in Canine Journal’s ability to write about and assist readers in purchasing policies legally.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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