So, You’re Done with Embrace? Here’s How to Cancel Without the Headache

Okay, let’s be real for a second. Cancelling a subscription is usually a pain. You have to hunt for a button that doesn’t seem to exist, or talk to someone who tries to convince you to stay. It’s annoying.

But if you’ve decided to part ways with Embrace Pet Insurance, you have your reasons. Maybe the price jumped up (ouch), maybe you found a better deal, or maybe you’re just tightening the belt this month. Totally fair.

I’m going to walk you through exactly how to cut the cord. No complicated insurance jargon, just the steps you need to get it done so you can get back to your life.

Here is the straightforward guide to cancelling, written by someone who hates wasting time on the phone just as much as you do.

how to cancel embrace pet insurance — How to cancel Embrace Pet Insurance

Hold Up—Read This First (Seriously)

Before you go pulling the plug, we need to have a quick “friend-to-friend” warning. Cancelling pet insurance isn’t like cancelling Netflix. If you cancel Netflix and resubscribe next month, you just pick up where you left off. Insurance is… pickier.

There’s this thing called Pre-existing Conditions.

Let’s say your dog, let’s call him Max, had an ear infection three months ago while you were with Embrace. If you cancel today and switch to a new company tomorrow, that new company will look at Max’s history. They will see that ear infection and say, “Nope, we aren’t covering ear issues because that happened before you met us.”

The Risk: If you cancel now, any illness or injury your pet has had in the past is now “uninsurable” with a new company.

Only cancel if:

You have a new policy ready to go.
Or, you are comfortable paying for vet bills out of your own pocket from now on.

Okay, warning over. If you’re sure, let’s get this done.

The “Gather Your Stuff” Phase

Don’t start the process until you have these three things in front of you. It saves you from scrambling later.

Your Policy Number: You can find this on your last bill or in the subject line of any email Embrace has sent you. It usually starts with a few letters.
The Email Address You Signed Up With: They use this to verify who you are.
A Simple Reason: They will ask why you are leaving. Keep it short. “Budget reasons” is the magic phrase because they usually won’t argue with your wallet.

Method 1: The “I Don’t Want to Talk to Humans” Way (MyEmbrace)

This is the online method. It’s usually the fastest, assuming their website is behaving itself.

Log in: Head over to the Embrace website and log in to your MyEmbrace account.
Hunt for the Policy Section: Look for the dashboard that shows your pet’s coverage.
Send a Secure Message: Sometimes, companies hide the “Cancel” button to make it harder. If you don’t see a big red CANCEL button, look for a “Contact Us” or “Message” link inside the portal.
The Request: Select “Cancel Policy” from the dropdown menu if it’s there. If not, just type a message: “Please cancel my policy effective immediately.”

Pro Tip: If you can’t find the button within 30 seconds, don’t stress. Just switch to Method 2. It leaves a better paper trail anyway.

Method 2: The Email Way (Best for Proof)

I honestly prefer this way. Why? Receipts. When you send an email, you have proof of exactly when you asked to cancel. If they accidentally charge you next month, you can show them the email and say, “Hey, I told you to stop this two weeks ago!”

Send an email to: hello@embracepetinsurance.com

Copy and paste this template:

Subject: Cancellation Request – Policy Number [Insert Your Number Here]

Hi Embrace Team,

I would like to cancel my pet insurance policy for my pet, [Pet’s Name].

Policy Number: [Insert Number]
My Phone Number: [Insert Phone Number]

Please cancel this policy effective [Date you want it to stop, or just say “immediately”].

Please reply to this email to confirm the cancellation has been processed and let me know if I should expect a pro-rated refund.

Thanks,
[Your Name]

Once you hit send, watch your inbox. You’ll usually get an automated “We got your message” reply instantly, and a real person should confirm it within 24-48 hours.

Method 3: The Phone Call (Old School)

If you want it done right now and don’t mind waiting on hold for a few minutes, just call them.

Phone Number: (800) 511-9172

When to call: Try to avoid Monday mornings. Everyone calls on Monday mornings. Call mid-week in the afternoon if you can; the wait times are usually shorter.

The Script:

Agent: “Thanks for calling Emb. How can I help?”
You: “Hi, I need to cancel my policy.”
Agent: “Oh, I’m sorry to hear that. Can I ask why?”
You: “It’s just become too expensive for my budget right now.”
Agent: “We could look at lowering your coverage to save money?”
You: “No thanks, I just want to cancel today.”

Be polite, but firm. You don’t have to explain yourself. Once they process it, ask for a reference number for the call. Write it down on a sticky note.

“Will I Get My Money Back?” ( Refunds Explained)

This is the big question, right? Here is how their money stuff usually works.

The 30-Day “Free Look”
If you just bought the policy less than 30 days ago and haven’t filed any claims, you usually get a full refund. It’s like returning a shirt you never wore.

The “Pizza Slice” Rule (Pro-Rated Refund)
If you’ve had the policy for a while, Embrace is actually pretty fair. They typically use a pro-rated system.

Think of your monthly bill like a pizza.

You paid $40 for the whole pizza (the month).
You only stayed for 15 days (you ate half the pizza).
They should refund you the $20 for half of the pizza you didn’t eat.

They generally don’t charge a “cancellation penalty fee,” which is nice.

One Last Trap to Avoid: “The Gap”

If you are cancelling Embrace because you are switching to a new company (like Lemonade, Spot, or Trupanion), be super careful about “Waiting Periods.”

Most new policies have a waiting period (usually 14 days for illness).

Don’t do this: Cancel Embrace on Monday -> Start New Insurance on Monday.
Why? If your dog gets sick on Tuesday, Embrace won’t pay (you cancelled), and the New Insurance won’t pay (you’re in the waiting period). You are in the gap.

Do this instead: Keep Embrace for one overlap month while the new policy warms up. Yes, paying double for one month sucks, but it’s safer than having no coverage during the switch.

Alternatives to Cancelling

If you actually like Embrace but the price is just getting ridiculous, try this before you quit: Call them and ask to downgrade.

You can often drop your coverage limit (for example, go from $10k coverage to $5k) or raise your deductible. This can sometimes chop $10 or $20 off your monthly bill. It’s worth a 5-minute phone call to ask.

The Final Check

Okay, you sent the email or made the call. You’re done, right?

Not quite.

Check your bank account next month. Seriously. Computers make mistakes. If you see a charge from Embrace after you cancelled, don’t panic. Just call them with that Reference Number or Email Proof we talked about, and they will reverse the charge.

And that’s it! You’re free. Go buy your pet a treat with the money you just saved

Links:- how to find out what health insurance I have

Disclaimer (Important Note)

Please Read: I am not an insurance agent, a financial advisor, or an employee of Embrace Pet Insurance. I am just a pet owner and writer sharing information to help you navigate the cancellation process more easily.

While I try my best to keep this information accurate and up-to-date, companies like Embrace can change their policies, phone numbers, or email addresses at any time without notice.

Before you cancel:

Always double-check the details on the official Embrace Pet Insurance website.
Read your specific policy documents, as rules may vary by state.
Make sure you understand the risks regarding pre-existing conditions before switching providers.

This website is not responsible for any lapses in coverage or financial losses resulting from the use of this guide. Please manage your policy responsibly!