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To cancel your pet insurance policy, you'll need to get in touch with your pet insurance by calling, emailing or writing to them.
😊 The good news: You're free to cancel your pet insurance policy at any time. The process and cost involved depend on when you cancel, but it's fairly straightforward either way.
😥 The bad news: You'll be out of pocket for any illness or injuries that befall your pet once it's no longer insured, and the costs can quickly add up.
Fed up with your current insurer? Switch to a better policy
What should I consider when cancelling my policy?
Keep the following questions in mind if you're thinking of cancelling pet insurance:
- Are you within the cooling-off period? Most policies have a cooling-off period of 30 days. If you cancel during this time and haven't made any claims, you'll receive a full refund.
- Are there cancellation fees? It's uncommon but some insurers charge a cancellation fee for any reason other than the death of your pet.
- Is your pet over 9? Many insurers will only offer cover to pets that are under nine years of age when you first take out cover. Your pet will then be covered for life once you have a policy in place – but if you choose to cancel cover, you might not be able to re-insure your pet at a later date.
- Do you insure more than one pet? Most insurers offer a multi-pet discount when you insure more than one pet. Cancelling cover for one pet could increase the cost of cover for your other pet.
- Do you need to cancel in writing? Some pet insurance policies can only able to be cancelled in writing. If you don’t submit a cancellation request via your insurer's preferred communication channel, you might still be charged premiums.
- Will you lose money? Depending on circumstances you may not be eligible for a refund, and you may need to keep paying premiums for the remaining period of insurance. It might be better off cancelling cover near the end of the insurance period rather than while you still have several months of cover that are already paid for.
Can I cancel my pet’s policy at any time?
Yes, there are no restrictions on when you can cancel your pet insurance policy; you are free to do so at any time. However, whether or not you are eligible for a refund will depend on your circumstances and pet insurer. Here's what generally happens:
This will only happen if you cancel during your policy's cooling-off period and you have not made any claims. Cooling off periods usually last between 14 and 21 days from the date you took out a policy.
If you have paid your annual premium in full and have not made any claims, the portion of the premium that covers the remaining period of insurance will be returned to you.
If you're paying in monthly instalments, or you cancel your policy having already made a claim, you'll need to continue paying premiums for the remaining period of insurance and won't receive any refunds.
Watch this before you cancel your policy
What can I do instead of cancelling my pet insurance?
Instead of cancelling pet insurance, you may want to consider the following options:
- Choose a lower level of cover. This will ensure that you still have a certain level of protection in place to help you cover unexpected vet bills, but your premiums will be more affordable.
- Switch insurers. If you’re not happy with the level or cost of cover provided by your current insurer, switching to a new provider may be the perfect solution. However, this may mean that you’re not eligible for any premium refund from your current insurer. Compare a range of policies to find the right cover for your dog or cat.
- Choose a higher excess. If you’re willing to pay a higher excess, you may be able to access cheaper premiums.
Choosing one of the above alternatives could help you maintain the cover your dog or cat needs, but make sure to consider all options carefully before deciding on the best way to cover your pet.
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