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You can cancel your pet insurance policy at any time — and for any reason. Whether you found a better plan, changed providers, or no longer need coverage, canceling is usually simple.
In this guide, we’ll walk you through the step-by-step cancellation process and explain how top providers like ASPCA, Lemonade, and Embrace handle cancellations and refunds.
Table of Contents
Canceling Pet Insurance – What You Need to Know
Step-by-Step: How to Cancel Your Pet Insurance Policy
Cancellation Policies at Top Pet Insurers
Deciding to Cancel Pet Insurance? What to Consider
Frequently Asked Questions
Pet insurance is a smart investment for many pet owners as vet bills for accidents, illnesses, and routine care can get expensive. Still, you may buy a policy and later realize it’s not a good fit. Maybe your premiums have gone up, and you’ve found more affordable coverage. Or perhaps you’re not happy with your provider’s customer service.
Canceling Pet Insurance – What You Need to Know
- Most pet insurance providers let you cancel your policy at any time without fees or penalties.
- You can often receive a full refund if you cancel within the first 30 days of coverage.
- Common cancellation methods include phone, email, mail, or mobile app.
- Canceling may reset your waiting periods and affect coverage for pre-existing conditions.
- Consider adjusting your plan terms instead of canceling completely if you're looking to save money.
Step-by-Step: How to Cancel Your Pet Insurance Policy
- Review your provider’s cancellation policy.Visit your pet insurance provider’s website or check your plan documents to understand refund rules, cancellation windows, and waiting period resets.
Choose your cancellation method. Most providers allow you to cancel via phone, email, mobile app, or by mail.
Prepare your information. You may need to provide your policy number, personal details, and the reason for cancellation.
Submit the cancellation request. Contact your provider through your chosen method. Ask for written confirmation
- Follow up and check for refunds. If you’re eligible, make sure you receive your refund — either full or prorated.
- Consider alternatives before canceling. Instead of canceling, you may adjust your plan (e.g. raise deductible or lower reimbursement) to reduce your premium while keeping coverage.
“
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,
– Dr. Liza Cahn, a veterinarian at Embrace Pet Insurance
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.)
How To Cancel "ASPCA® Pet Health Insurance
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.
How to Cancel CarePlus by Chewy Pet Insurance
Since CarePlus by Chewy policies come from Trupanion or Lemonade, cancellation policies vary by provider. To cancel your CarePlus policy, you’ll first need to confirm which provider issued your coverage — this information is typically available in your policy documents or confirmation email.
If your policy is from Trupanion:
Call 1-888-733-2685 or email care@trupanion.com to cancel. You can also mail a cancellation letter to:
Trupanion, 6000 4th Avenue South, Suite 200, Seattle, WA 98108
If your policy is from Lemonade:
Cancel via the Lemonade app or email help@lemonade.com. You can also call 1-844-733-8666.
Most plans are eligible for a full refund within the first 30 days if no claims have been filed.
How to Cancel Embrace Pet Insurance
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.
How To Cancel Fetch Pet Insurance
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.
How To Cancel Figo Pet Insurance
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.
How to Cancel Lemonade Pet Insurance
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.
How To Cancel MetLife Pet Insurance
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.
How To Cancel Pets Best Pet Insurance
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.
How To Cancel Pumpkin Pet Insurance
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.
How To Cancel Spot Pet Insurance
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: Should You Cancel Your Pet Insurance?
Canceling your pet insurance policy is usually simple — but it’s important to understand the trade-offs. You could lose coverage for pre-existing conditions or face new waiting periods.
Before canceling, make sure you’ve explored other options like adjusting your deductible or switching to a more affordable provider.
Canceling your pet insurance policy is usually simple — but it’s important to understand the trade-offs. You could lose coverage for pre-existing conditions or face new waiting periods.
Before canceling, make sure you’ve explored other options like adjusting your deductible or switching to a more affordable provider.
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.
Written byAnna Baluch
Anna Baluch is an insurance and finance expert at BestMoney.com. She has written for Forbes, Newsweek, Credit Karma, CNN, and many other top publications. Drawing on her in-depth industry knowledge, Anna enjoys helping individuals and small business owners make smart financial decisions.