Regardless of the situation, you may wonder whether you can cancel your pet insurance plan at any time. Fortunately, the answer is almost always “Yes.”
In this guide, we’ll review how to cancel your pet insurance policy as well as the cancellation policies from some of the top pet insurance companies.
Pet Insurance Cancellation at a Glance
- Most pet insurance providers let you cancel a policy anytime without charging a cancellation fee. Some offer 30-day moneyback guarantees or prorated refund policies.
- You can typically cancel a pet insurance policy via phone, email, mail, or mobile app.
- Canceling pet insurance has its drawbacks — you could be giving up all coverage, some coverage, or restarting the waiting period process.
How Pet Insurance Cancellation Policies Work
You generally can cancel pet insurance anytime, oftentimes without any notice. However, before you go ahead and do so, there are important considerations to keep in mind.
"For example, if you cancel and decide to purchase a new policy later (either with your current pet insurer or another company), your pet's waiting periods will reset, and any conditions your pet has been treated for or diagnosed with may be considered pre-existing and excluded from future coverage," says Dr. Liza Cahn, a veterinarian at Embrace Pet Insurance.
Plus, “cancellation policies may vary from provider to provider,” says Tom Bean, vice president of insurance services operations at Figo Pet Insurance.
Many pet insurance companies offer a 30-day money-back guarantee. You can receive a full refund of the premiums you already paid if you cancel your policy within 30 days of its effective date.
If you cancel after 30-days, you might receive a prorated refund. It’s important to note that this guarantee may vary by state and might not be available everywhere.
How to Cancel Pet Insurance
Canceling a pet insurance policy is typically a straightforward process. Most providers allow you to cancel their coverage at any time. While cancellation policies vary, you can typically cancel through these methods:
Phone
Email
Mail
Mobile app
In many cases, you’ll need to state the reason for your cancellation request.
Cancellation Policies at Top Pet Insurers
Here’s an overview of the cancellation policies for the leading pet insurance companies. (Note: Phone numbers may vary by region.)
ASPCA Pet Health
To cancel an ASPCA Pet Health pet insurance plan, email cservice@aspcapetinsurance.com or fax 1-866-888-2497. You can also send your cancellation request by mail to this address: 3840 Greentree Ave SW, Canton, OH 44706.
ASPCA Pet Health offers a 30-day money back guarantee if you haven’t filed any claims and cancel within 30 days. Note that the guarantee is not available in New York and varies in Maine, Louisiana, and Washington.
CarePlus by Chewy
Since CarePlus by Chewy policies come from Trupanion or Lemonade, cancellation policies vary by provider.
If you have a Trupanion plan, you can contact Trupanion by phone at 1-888-733-2685 or email at care@trupanion.com to cancel your coverage. You may also send a cancellation request letter to 6000 4th Avenue South, Suite 200, Seattle, WA 98108.
If your pet insurance policy is from Lemonade, you can cancel through the Lemonade app or via email at help@lemonade.com.
Both Trupanion and Lemonade will give you a full refund if you cancel within the first 30 days, as long as you haven’t filed any claims.
Embrace
If you’d like to cancel your Embrace pet insurance coverage, call 1-800-643-7578.
Embrace will refund your premium payments if you haven't submitted any claims within 15 days of your policy's effective date. You may qualify for a prorated refund if you cancel after 15 days.
Fetch
Fetch asks that you call 1-866-467-3875 to cancel your pet insurance plan.
You'll receive a full refund if you haven't filed a claim and cancel within the first 30 days of your coverage. After 30-days, Fetch will send you a pro-rated refund.
Figo
To cancel Figo pet insurance, email support@figopetinsurance.com or call 1-844-738-3446.
Per the insurer’s 30-day money back guarantee, you’ll receive a full refund if you cancel within the first 30 days of your coverage, as long as you haven’t filed a claim. If you cancel after 30 days, the regulations in your state will dictate your refund.
Lemonade
Lemonade allows you to cancel your pet insurance coverage via the mobile app, email, or phone.
To cancel through the app, choose the policy you’d like to cancel, click the three dots in the top right corner, and go to “Cancel Policy.” You can also call 1-844-733-8666 or email help@lemonade.com.
Once you cancel, Lemonade will refund the unused portion of your premium.
MetLife
To send a MetLife pet insurance cancellation request, call 1-877-549-1671 or 1-855-270-7387.
You'll receive a pro-rated refund if you cancel your policy more than 30 days after the effective date.
Pets Best
If you’d like to cancel Pets Best pet insurance coverage, log into your account, call 1-877-738-7237, send an email to customercare@petsbest.com, or mail a letter to 965 Keller Rd. Altamonte Springs, FL 32714.
Upon cancellation, Pets Best will refund the unused portion of your premium.
Pumpkin
To cancel a Pumpkin pet insurance plan, call 1-866-273-6369, email help@pumpkin.care, or initiate a live chat.
Depending on where you live, you may get a refund if you cancel within the first 30 days of your coverage and a prorated refund if you cancel after the 30-day mark.
Note that if you’re in New York, Pumpkin will send you a prorated refund for the remaining days of the month. Also, if you’re a pet parent in Louisiana, Maine, or Washington, you’ll be eligible for a 15-day instead of a 30-day money back guarantee.
Spot
If you decide to cancel Spot et insurance, you can call 1-800-905-1595 or email service@customer.spotpetins.com.
Since the company offers a 30-day money back guarantee, you’ll get a full premium refund if you cancel within the first 30 days of your policy, as long as you haven’t submitted any claims. Note that the 30-day money back guarantee is not available if you’re in New York or Maine.
Deciding to Cancel Pet Insurance? What to Consider
Before you cancel a pet insurance policy, Dr. Cahn recommends you keep the following in mind:
Waiting periods: Canceling and re-enrolling means your pet will need to go through new waiting periods for coverage. While waiting periods vary, 14 days for accidents and illnesses are common.
Pre-existing conditions: Almost all pet insurers exclude pre-existing conditions. As a result, you might give up some coverage if you cancel your current plan and opt for a new one.
Plan changes: Instead of canceling, consider changing your coverage terms to secure more affordable monthly premiums. You can generally do this by opting for a higher deductible, lower coverage limits, or lower reimbursement rates. While that could mean paying more out-of-pocket upfront, you should still have enough coverage for significant expenses and emergencies. Many pet insurance companies make the process of adjusting coverage terms easy.
Future vet bills: Without pet insurance, you'll need to cover unexpected veterinary expenses out of pocket, which can be financially burdensome. Look closely at your budget and determine whether you can pay vet bills without derailing your finances.
Bottom Line: Canceling Pet Insurance
Pet insurance cancellations are generally possible, but they come with trade-offs. Depending on whether you're opting for a new policy, you may be giving up all or some coverage. Consider your options carefully before taking this step.
Frequently Asked Questions
Is There a Cancellation Fee for Pet Insurance?
No, most pet insurance companies do not charge a cancellation fee for canceling pet insurance coverage.
Should I Stop Paying Pet Insurance?
If you have a pet insurance plan, continue paying your premiums. You may stop if and when you cancel your coverage.
