The Ultimate Step by Step Guide to Cancelling an Embrace Pet Insurance Subscription or Membership (embracepetinsurance.com)
By
Bella K.
|
Published
July 17, 2025
|
Updated
July 1, 2025
Embrace Pet Insurance helps cover the costs of unexpected pet illnesses, injuries, and dental issues by reimbursing a portion of vet bills when you submit claims online. They offer an optional Wellness Rewards plan that helps you budget for routine care like vaccines and grooming with flexible use and extra bonuses. You can take your pet to any licensed vet, and payments come through direct deposit once claims are approved. Their pricing depends on your pet's age, breed, and location, and premiums are billed regularly based on these factors.
Cancellation requires a phone call to a specific number without online cancellation option, but the process is straightforward and refund policies are clearly stated.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Embrace Pet Insurance subscription.
How to Cancel Embrace Pet Insurance: Step by Step
If you purchased through Embrace Pet Insurance directly:
Call Customer Service at (800) 643-7578 to initiate the cancellation process.
Provide your policy details to the representative.
Follow any instructions provided to complete the cancellation.
Ask about any applicable refunds. If you cancel within 15 days and have not submitted claims, a full refund may be processed.
Request a confirmation of your cancellation via email or mail.
How to Contact Embrace Pet Insurance
If you need assistance, here's how you can get in touch with Embrace Pet Insurance's support team.
Tips and Tricks for Getting a Embrace Pet Insurance Refund
Call the customer support number directly: Use the dedicated Embrace cancellation line at (800) 511-9172 for direct contact.
Be firm and clear: Clearly state your intent to cancel immediately without room for negotiation or retention offers.
Use email confirmation: Follow up your cancellation call with an email to hello@embracepetinsurance.com to have a written record of your cancellation request.
Timing matters: Call during weekdays and early business hours to avoid long hold times or busy signals common at peak times.
Prepare for retention offers: Be ready for the representative to offer discounts or benefits; firmly decline if you want to proceed with cancellation.
Escalate if needed: If the initial agent resists cancellation, ask to speak to a supervisor or manager.
Document everything: Note dates, times, names of representatives, and any confirmation numbers provided.
Fax confirmation: Some users found sending a cancellation request via fax to 800-238-1042 added pressure and proof of cancellation effort.
Leverage refund mentions: Emphasize your understanding of their policy to refund premiums after cancellation to encourage prompt processing.
Why Do People Request Refunds from Embrace Pet Insurance
Claims denials due to pre-existing conditions and medical history issues.
Lack of coverage for conditions expected to be covered such as dermatologic conditions.
Frustration with claims process delays and repeated requests for medical records.
Premium increases leading to cancellations, sometimes greater than 50%.
Dissatisfaction with reimbursement policies for wellness visits, including denials for slight scheduling changes.
Cancellation due to finding better coverage at similar or lower prices with competitors.
General dissatisfaction with claim handling, including perceptions of unethical business practices.
Lack of timely communication from customer service.
Cancellations following negative experiences with claims, premiums, customer service, and coverage limits.
Embrace Pet Insurance Refund Script
Script
Copy
Dear Embrace Pet Insurance, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
Embrace Pet Insurance Refund Policy
Embrace Pet Insurance allows policy cancellation by calling their customer service. For the optional Wellness Rewards membership, any unused portion of the annual maximum is non-refundable and will not roll over, and if canceled early with more rewards used than paid, Embrace may collect the outstanding balance. Wellness Rewards is charged separately and is not an insurance product.
The Easiest Way to Get a Embrace Pet Insurance Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Embrace Pet Insurance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Frequently Asked Questions
Embrace Pet Insurance allows cancellation of their insurance policy at any time without cancellation fees or penalties. However, if you are enrolled in their optional Wellness Rewards membership, be aware that it operates separately with its own terms: any unused rewards do not roll over or refund, and if you cancel early after using more rewards than paid, Embrace may require you to pay the outstanding balance. This Wellness Rewards plan could act as a lock-in if you use benefits beyond your paid amount before canceling.
Claims denials due to pre-existing conditions and medical history issues.
Lack of coverage for conditions expected to be covered such as dermatologic conditions.
Frustration with claims process delays and repeated requests for medical records.
Premium increases leading to cancellations, sometimes greater than 50%.
Dissatisfaction with reimbursement policies for wellness visits, including denials for slight scheduling changes.
Cancellation due to finding better coverage at similar or lower prices with competitors.
General dissatisfaction with claim handling, including perceptions of unethical business practices.
Lack of timely communication from customer service.
Cancellations following negative experiences with claims, premiums, customer service, and coverage limits.
Full name as listed on your Embrace Pet Insurance account
Policy number of the Embrace Pet Insurance plan you wish to cancel
Contact information (such as email address and phone number associated with the account)
Pet's name covered under the policy (if applicable)
Reason for cancellation (may be requested by the company representative)
Preferred cancellation date (such as immediate or end of current billing period, if relevant)
Confirmation of identity (such as verbal identity verification or answers to security questions)
Before cancelling your Embrace Pet Insurance policy, know that you will lose all coverage and benefits provided by the insurance, including reimbursement for veterinary bills and access to wellness rewards. Cancellation is permanent, so any ongoing claims or benefits will no longer be available. Be aware that if you have a Wellness Rewards membership, you may still be liable for outstanding fees if you cancel before the 12-month membership period ends. To cancel, you need to contact Embrace customer service directly by phone. It’s also worth considering if you can reduce coverage instead of cancelling to keep some level of protection for your pet.
Embrace Pet Insurance allows policy cancellation by calling their customer service. For the optional Wellness Rewards membership, any unused portion of the annual maximum is non-refundable and will not roll over, and if canceled early with more rewards used than paid, Embrace may collect the outstanding balance. Wellness Rewards is charged separately and is not an insurance product.
You do not need your password to cancel your Embrace Pet Insurance subscription. To cancel, simply call their customer service at (800) 643-7578 and request cancellation. If you want to adjust your coverage instead of canceling, then you can log into your account with a password. Here's the cancellation phone number for your convenience: 800-643-7578.
We've actually written a step by step guide on how to get a refund from Embrace Pet Insurance. Check it out!
The cancellation process typically takes about 5 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Embrace Pet Insurance subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Embrace Pet Insurance account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Embrace Pet Insurance online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Embrace Pet Insurance May Show Up On Your Statement As:
Embrace Pet Insurance Embrace Pet Ins EmbracePetIns Embrace Insurance EmbracePet EmbracePetCare
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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