You can cancel your pet insurance at any time, but you may want to consider switching first.
Some insurers may charge you a cancellation fee. This is typically around $30.
There’s a few things to consider before hitting the cancel button. We’ll run you through them below.
How to cancel pet insurance
To cancel your pet insurance policy, you'll need to get in touch with your pet insurance to let them know. You can usually do this by calling, emailing or writing to them. Some may even have an app that you can cancel through too. Cancelling over the phone can feel a bit awkward. Here’s an easy script you can follow.
You: Hi, I’d like to cancel my pet insurance policy please. Can you let me know the steps to arrange this?
Insurer: Sure, may I ask why you’d like to cancel?
You: I’m finding the premiums to be really expensive and there’s no room in my budget for this at the moment.
If that’s not the real reason, feel free to include why you’re actually cancelling. We like to use this excuse because it often prompts the insurer to give you a discount or a limited period completely free.
Insurer: I’m sorry to hear this. If I can offer you 3 weeks free, would you keep your policy active for now?
OR
Insurer: No problem at all, I can cancel your policy now. I’ll email you confirmation of this.
What to consider before cancelling your pet insurance policy
Before you hit that cancel button, there’s a few things you should consider to ensure you’re making an informed decision.
Cancellation fees. Some insurers will charge you a cancellation fee. It’s usually not much, around $30 but it never feels nice when you’re not prepared for it. We’ve outlined the different fees below.
The age of your pet. If your pet is over 9 years old then you will likely struggle to find cover for it again. This is because pet insurers typically only accept pets under 9 years of age. So if you cancel now, know that you probably won’t have the option to take out another policy later.
Do you want to switch or cancel? When you’re fed up with the rising cost of pet insurance premiums, it can be easy to jump to cancelling your policy. Before you do this, get some quotes for other policies and see if any come in cheap enough for you to consider keeping the cover. Sometimes even just calling your existing insurer and telling them you’re going to cancel can prompt them to give you a period of time for free or at a discounted rate.
Pet insurance cancellation fees
Does your pet insurer charge a cancellation fee? We’ve researched a bunch of providers and outlined their cancellation terms.
Provider
Cancellation fee
Everyday Insurance
Not stated
Medibank
Not stated
Kogan Pet Insurance
$30 cancellation fee
Budget Direct
$40 cancellation fee
Coles Insurance
Not stated
PD Pet Insurance
Not stated
Vets Choice
Not stated
PetsOnMe
Not stated
Australian Seniors
Not stated
Guardian
Not stated
RSPCA Pet Insurance
Not stated
Pet Insurance Australia
$30 cancellation fee
Petsy
Not stated
Real Pet Insurance
Not stated
Knose
Not stated
Bow Wow Meow
Not stated
Guide Dogs Pet Insurance
Not stated
Did you know you may be entitled to a refund?
Our expert says
"If you pay your pet insurance premium annually and are cancelling before the year is up, then you could be entitled to a refund for the unused portion of your premium. A lot of people wrongly assume that if they’ve paid for the year then that money is just gone and they may as well see out the years worth of coverage. This is incorrect! You can cancel at any time and you’ll get the unused portion back."
Nothing, you just won’t be covered as of the day you cancel. If you’ve paid for your premium in advance then you may be entitled to a refund of the unused portion of your premium. If you pay monthly then you’ll forgo that amount. Importantly, your pet will no longer be covered by this insurance. You’ll still have access to the vet but the cost of any consultations and surgeries will come straight from your pocket.
Not usually but some insurers may charge a cancellation fee. This is typically pretty minor — around $30-$40.
Yes, you can cancel whenever you like. You may have to pay a small cancellation fee but not all insurers charge this. If they do, the fee usually doesn’t exceed around $30-$40.
This varies by insurers but it's usually between 14-30 days. Your cooling off period will be noted in your product disclosure statement (PDS) which would have been emailed to you when you took out your policy.
Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year.
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I recently changed providers a month ago as I was trying to get the best deal on pet insurance. I’ve had insurance now for the past 6 years. I wanted to get the cruciate ligament time period waived so I took my dog to the vet, to which she did a quick work up on her anyway. All looked to be ok. 2 weeks later we have now noticed a lump on her chest on her right hand side. I’m curious to know as I’ve read that if it is deemed to have been there prior to the policy starting that the new insurer may not cover it, but as mentioned I’ve been insured for 6 years so if it’s deemed the new insurer won’t cover it, surely my old insurer would have to?
Finder
JamesJune 6, 2023Finder
Hi Ren,
Thanks for your message. For illnesses, you’ll generally have to serve a waiting period of between 14 to 30 days before you can claim – and 6 months for long-term conditions. It’s best to speak directly to your insurer for help with your specific situation and to find out what you can claim for.
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
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I recently changed providers a month ago as I was trying to get the best deal on pet insurance. I’ve had insurance now for the past 6 years. I wanted to get the cruciate ligament time period waived so I took my dog to the vet, to which she did a quick work up on her anyway. All looked to be ok. 2 weeks later we have now noticed a lump on her chest on her right hand side. I’m curious to know as I’ve read that if it is deemed to have been there prior to the policy starting that the new insurer may not cover it, but as mentioned I’ve been insured for 6 years so if it’s deemed the new insurer won’t cover it, surely my old insurer would have to?
Hi Ren,
Thanks for your message. For illnesses, you’ll generally have to serve a waiting period of between 14 to 30 days before you can claim – and 6 months for long-term conditions. It’s best to speak directly to your insurer for help with your specific situation and to find out what you can claim for.
Best,
James