Cancelling pet insurance

Do you want to cancel your pet insurance policy? Get the lowdown here.

You’re usually free to cancel your pet insurance whenever you choose, but the process and associated costs really depend on when you decide to cancel. If you’ve made up your mind and you want to cancel your pet cover, think about any accidents or illnesses that could occur before you’ve found a new policy or during the first days of your new policy, when you’re unlikely to be able to claim. Don’t be left out of pocket. Read our guide first.

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How can I cancel my pet insurance policy?

If you’re ready to cancel, here’s what you need to know:

  • If you’re within the cooling-off period: All insurers in the UK are obligated to offer a cooling-off period of at least 14 days for pet policies. If you cancel during this time and haven’t made any claims, you are likely to receive a refund. But be aware that an insurer can charge for the days of cover that have already passed as well as a cancellation fee.
  • If you’re outside the cooling-off period: You will need to check your policy details to see whether you are entitled to any refund. Many insurers will offer a refund as long as you haven’t made any claims, but you may have to pay a cancellation fee. Depending on when you pay your premiums, you may get a refund for the remaining full months of unused cover.

Can I cancel my pet’s policy at any time?

There aren’t any restrictions on when you can cancel your pet insurance policy; you are free to do so at any time. However, whether you are eligible for a refund will depend on your individual circumstances.

To cancel your pet insurance policy, you’ll need to contact your insurer to request the cancellation. You can usually cancel your policy by writing or emailing the insurer or in some cases, by phoning. Be sure to cancel via your insurer’s accepted communication channels.

What should I consider when cancelling my policy?

Keep the following points in mind if you are thinking of cancelling your pet insurance:

  • Cancellation fees. Depending on the reason for cancelling, you may be charged a cancellation fee. Make sure you’re aware of how much this fee is before ending your cover.
  • Lifetime cover eligibility. Many insurers will only offer cover to pets that are under eight years of age (and not classed as an older pet) 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 may struggle to re-insure your pet later on.
  • Multi-pet discounts. Some insurers offer a multi-pet discount if you insure more than one pet under one policy. Cancelling cover for one pet could increase the cost of cover for your other pet.
  • How to cancel. You’ll need to request a cancellation via the accepted communication channel.
  • Just cancelling a direct debit won’t help. If you pay for your pet cover in instalments, cancelling your direct debit won’t automatically cancel your cover. You’ll still need to contact your insurer directly.
  • Refund. Depending on the circumstances, you may not be eligible for a refund, and you may need to keep paying premiums for the remaining period of insurance. You may be better off cancelling cover near the end of the insurance period rather than while you still have several months of cover that you have already paid for.
  • Constant cover for your pet. Keep your existing policy in place until you’ve found a new one, so that your pet won’t go uncovered for too long.

What can I do instead of cancelling?

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 could 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.
  • 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 for your pet’s needs but make sure to consider all options carefully before deciding on the best way to cover them.

Tips for saving money on pet insurance

As well as the alternative options to cancelling mentioned above, you could save money on your pet premiums by considering some of these:

  • Consider neutering or spaying your pet. Having your pet spayed or neutered could lower the risk of your pet having certain conditions, which could in turn lower premiums.
  • Maintain your pet’s health. Look after your pet by ensuring they are properly vaccinated and regularly dewormed as well as by making sure they enjoy a good diet with plenty of exercise.
  • Can your pet have free treatment? If you’re on means-tested benefits, your pet may be entitled to emergency free treatments so it’s always worth checking if this applies to you.
  • Multi-pet discounts. If your home is full of pets, consider insuring your pets under one policy as you may benefit from discounts.
  • Shop around. Don’t simply choose to renew your pet insurance when it’s up for renewal as you could end up paying more than you need. Shop around and compare your options to find the best deal. Keep in mind that the cheapest policy isn’t always the best policy, so check the cover details carefully.

Frequently asked questions

Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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