How to Cancel Your Embrace Pet Insurance Policy (2025)

A pet insurance policy can protect you from expensive veterinary bills if your pet gets sick or injured.1 But you may decide to cancel your Embrace policy if you’re unhappy with the coverage or can no longer afford the premiums.

You can cancel your Embrace pet insurance policy anytime by calling customer support. You may even receive a full or prorated refund of your paid premiums. But be aware of a few caveats, especially if you’re switching to another pet insurance company. Here’s what you need to know.

Embrace cancellation policy

Embrace lets you cancel your policy anytime by calling customer support at 1 (800) 643-7578. You’ll receive a full refund of all paid premiums if you cancel within 15 days of your policy start date and haven’t filed any claims. Otherwise, you’ll receive a prorated refund for the remainder of the billing cycle, calculated from the day following your cancellation.

For example, if you’ve paid the annual premium for your Embrace pet insurance policy and then cancel after the first month, you’ll receive a refund for the remaining 11 months. No cancellation fee applies.

If you want to maintain coverage but need a lower premium, you can reduce your coverage or increase your deductible. You can also choose a lower annual limit or reimbursement level.

Some pet insurance companies allow policy changes only at the policy’s renewal, but Embrace lets you upgrade or downgrade your coverage anytime. You can log into your account to reduce your coverage, and changes take effect after two days.

The steps below explain how to cancel your Embrace pet insurance and find a new policy.

Step 1: Compare pet insurance quotes

If purchasing insurance coverage elsewhere isn’t in the plan, you can skip to step 3. But if you want to save money, it’s a good idea to research other pet insurance companies before canceling your Embrace policy. Comparing pet insurance quotes helps you get the best deal on a policy that meets your furry friend’s needs.

Pet insurance providers set premiums based on your location, your coverage choices, and your pet’s species, breed, and age. Since every pet insurer calculates premiums differently, comparing quotes ensures you get the best price for your coverage. For example, some pet insurance companies may offer policies for senior dogs at better prices than others.

You can compare quotes through each company’s online quote tool or use a pet insurance comparison site to save time. Make sure to use an apples-to-apples comparison when you’re considering coverage options, and keep in mind that pet insurance doesn’t typically cover routine care costs like parasite prevention.2 But some companies offer wellness plans for this type of treatment at an extra cost.

Step 2: Secure a new pet insurance policy

Before canceling your Embrace policy, it’s a good idea to ensure your new policy is active. Most pet insurance companies impose a waiting period after your first premium, typically between two days and two weeks, during which the company won’t reimburse you for any claims.

Your insurer may also require a medical history review before you can submit a claim. If your pet had health issues while your Embrace policy was active, your new insurer may consider those pre-existing conditions and deny any future claims for them.

Some insurers, like ManyPets, don’t require a waiting period if you switch from another company. And if your pet has a curable pre-existing condition or is recovering from an injury, some pet insurers will extend coverage after a longer waiting period.

To secure your new pet insurance policy, you can customize your coverage and pay your first premium online or work with an insurance agent by phone. You’ll need to provide a few details about your cat or dog, your contact info, and your payment information.

Step 3: Cancel your Embrace policy

While you may be able to reduce your coverage through your MyEmbrace online account, you’ll need to call Embrace customer support if you want to cancel your policy. You can reach an Embrace representative at 1 (800) 643-7578. If you’re not ready to cancel but have other questions, call Embrace customer care at 1 (855) 540-2104.

Step 4: Follow up on your refund

If you canceled coverage within the first 15 days of your policy’s original start date and didn’t file a claim, expect a full refund from Embrace after requesting your cancellation. You can confirm your method of refund and expected refund date with an Embrace customer service team member when you call to cancel your policy.

If you filed a claim or canceled more than 15 days after the initial policy start date, Embrace will issue a prorated refund. This applies from the day after your cancellation request to the last day of the billing cycle. Depending on whether you paid your premium monthly or annually, you may get a refund for the rest of the month or the rest of the year once you cancel.

Set a reminder to follow up with Embrace by phone if you don’t receive your refund after a week or two.

Canceling Embrace pet insurance FAQs