Can You Cancel Pet Insurance At Any Time?

Takeaways:

  • Pet insurance can be canceled at any time, though the process varies from one provider to the next
  • Pre-existing conditions are not transferred from your old policy to your new policy
  • Take your pet’s age, location, and medical history before canceling your policy
  • Consider or reducing expanding your pet’s coverage before canceling your policy entirely

Finding the right pet insurance policy for your furry friend isn’t always a clean-cut process. In some cases, you might need to cancel your current policy to opt for a higher level of coverage or lower premiums. So, you may be wondering, can you cancel pet insurance at any time?

It’s important to know the implications of canceling your policy. Below, we’ll discuss everything you need to know about canceling your pet insurance plan so that you can create a smooth transition for you and your furry friend.

Pet insurance can be canceled at any point in your dog’s life, but doing so prematurely can come with major drawbacks depending on your situation. Every policy is different, but all pet insurers will consider diagnoses under a separate provide “pre-existing conditions”. 

Can I Cancel My Pet Insurance At Any Time?

Cancellation protocol varies from one insurance provider to the next. Typically, you’ll be asked to notify your provider via phone, online portal, or email– some insurers might also require a period of notice before the policy is set as inactive. 

For example, check out the policies for the following common providers:

  • ASPCA: You can cancel your policy by emailing [email protected] 
  • Figo: Policies can be canceled by emailing [email protected]
  • Lemonade: Policies can be canceled through Lemondae’s companion app
  • Pets Best: Pet parents can cancel by contacting Pets Best through their online portal, with cancelation activated upon receipt
  • Spot: Cancel by calling directly at 1-888-501-7768

There usually aren’t any fees associated with canceling your pet insurance policy, but you’ll need to provide notice and confirm cancellation before you stop paying your pet insurance premiums. 

Will I Get A Refund If I Cancel My Pet Insurance?

In most cases, you won’t get a refund if you cancel your pet insurance policy. However, if you happen to purchase a policy with a money-back guarantee, you’ll receive your premium refund so long as it’s canceled within the terms of your agreement. 

Many pet insurance providers allow a 30-day money-back guarantee, also known as the cooling-off period. If you sign up for a policy and decide to cancel within this 30-day window, you’ll be refunded the cost of your initial premium. 

Can I Cancel My Pet Insurance If My Pet Has A Pre-existing Condition?

You can cancel your pet insurance at any time regardless of whether your pet has a pre-existing condition. However, note that preexisting conditions will not carry over into your new policy. If your dog was provided care for hip dysplasia under your old policy, your new policy will consider all cover related to the condition a pre-existing condition, and therefore, not eligible for coverage. 

Some pet insurers will consider coverage for curable diseases so long as your pet has been symptom-free and clear of the ailment for a certain period of time, usually around 12 months. If your dog gets a UTI under the old policy, they might still be covered under the new policy after the predetermined waiting period. 

Factors To Consider Before Canceling Your Pet Insurance Policy

Still debating whether you should cancel your pet’s insurance policy? Here are some key factors to take into consideration before making the switch: 

  • Pre-existing Conditions: Any conditions or symptoms alluding to conditions before completing the waiting period of your potential new policy will likely be considered pre-existing conditions and therefore, ineligible for coverage under your new policy. Ideally, pet parents should purchase a policy as early as possible in their pet’s life and stick to it to maximize coverage. 
  • Savings: Since switching to a new policy may reduce your coverage, it’s a good idea to make sure you have enough money out of pocket to cover any expenses that would be considered pre-existing conditions. 
  • Waiting Periods: Most pet insurance plans have a mandatory waiting period typically between 14 and 30 days before your policy is active. Keep in mind that your pet will be technically uncovered during this period– you’ll have to account for this lapse in coverage. 
  • Current Eligibility: It’s more difficult for older pets to secure new pet insurance coverage due to the liability risk. You should make sure you have an eligible policy lined up before making the jump to cut the cord on your current policy. 

If you’re unhappy with your current policy, it might be a good idea to contact your insurer and discuss other options. You may be able to expand or reduce your coverage to taste without having to sacrifice your history with the insurer. 

Canceling My Pet Insurance Policy FAQ

Are you considering canceling your pet insurance policy? Read through these frequently asked questions and answers to expand your understanding: 

Will my pet insurance company cancel my policy if I file too many claims?

Pet insurance policies are reassessed on a regular basis depending on your pet’s needs. In most cases, you’re asked to file a single claim per medical visit, so filing too many claims isn’t usually a concern. 

Can I cancel my pet insurance if I move to a different state?

The price of your pet insurance will vary based on your location, so moving to a different state might bump up your premium. While you can cancel your pet insurance policy upon moving, note that other policies will likely reflect these higher premiums due to the change in location. 

Can I cancel my pet insurance if I switch to a different pet insurance provider?

You are able to switch pet insurance providers at any time, so long as you notify your current provider accordingly. Note that pre-existing conditions do not carry over from one insurer to another, and you’ll still have to account for enrollment waiting periods with your new policy. 

Will my pet insurance company cancel my policy if I don’t pay my premiums?

If you don’t pay your premiums, your pet insurance company may cancel your policy and stop coverage. Should you be worried about paying your premium, it’s best to be upfront with your insurer to see if you can change your coverage levels. 

Can I cancel my pet insurance if my pet passes away? 

In most cases, your pet insurance policy will be canceled after notifying your insurer of your pet’s passing. However, if you’re paying on an annual plan, you might still be eligible to payout the year in full before canceling the policy.

What happens to my pet insurance if I sell or give away my pet?

In most cases, you should be able to transfer your pet insurance policy to another owner so long as there is not a lapse in payments. Policies vary from one provider to the next, so it’s important to contact your provider and coordinate accordingly to make for a smooth transition.

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Katharine Brunotts

Kate Brunotts is a pet-care content specialist with past experience at Heart of Chelsea Animal Hospital in NYC. When she's not crafting articles for pet parents, Kate enjoys relaxing with her Shih Tzu Poodle Mix, Spicy.