How To Cancel Trupanion Pet Insurance coverage

Man holding phone and dog sitting in his lap.
Picture credit score: SvetikovaV, Shutterstock

Trupanion pet insurance coverage makes canceling your coverage simple for any cause you’ll have. Nonetheless, earlier than you make a agency determination, I encourage you to learn this text. I’ll provide you with just a few tips about what to contemplate earlier than terminating your coverage and the way and when to discover a new pet insurance coverage supplier. However in case you’ve already determined, see my steerage on learn how to cancel your Trupanion coverage.

Learn Our Full Trupanion Pet Insurance coverage Assessment

Trupanion Cancellation Coverage

Beneath is Trupanion’s official cancellation coverage, based mostly on the pattern coverage you will discover on their web site:

You could cancel your coverage by notifying us in writing by way of mail, fax, or e-mail at any time. For those who cancel your coverage for any cause throughout the first 30 days and we’ve got not paid you a declare inside that interval you’ll obtain 100% of your premium and enrollment charge (if relevant) again.

How To Cancel Your Trupanion Coverage

Not like another pet insurance coverage suppliers, Trupanion doesn’t have a easy cancellation kind you possibly can fill out on their web site. However they do provide you with a number of choices to terminate your coverage.

Name To Cancel

Though Trupanion’s pattern coverage doesn’t embrace calling as an choice to cancel, the corporate clearly states on its web site you could name customer support to deal with this. To cancel your coverage by cellphone, name customer support at 888-733-2685. Representatives can be found 24 hours per day, three hundred and sixty five days a yr.

I encourage canceling by cellphone as a result of you could have the chance to ask any questions you’ll have concerning the cancellation and refund course of. Nonetheless, as soon as the Trupanion consultant confirms that they’ve canceled your coverage, it’s necessary to request a affirmation of termination by e-mail or mail. Having it in writing will assist in case you encounter any subsequent billing issues.

Cancel In Writing By E-mail Or Mail

If you wish to keep away from the potential trouble of being on the cellphone with a buyer consultant who talks you out of canceling, you can too terminate your coverage by e-mail, mail, or fax.

  • Fax: 866-405-4536
  • E-mail:
  • Mail: Trupanion USA, 6100 4th Ave South, Suite 200, Seattle, WA 98108

For those who’d desire to deal with your coverage termination in writing, I like to recommend doing so by way of e-mail. That approach you possibly can ask questions and obtain a fast affirmation of cancellation in writing.

Contact Stay Chat

Trupanion additionally affords 24/7/365 reside chat on its web site. You may provoke contact utilizing this feature to search out out in case you can cancel by way of reside chat. Nonetheless, I like to recommend confirming any exchanges by way of e-mail.

3 Points To Contemplate Earlier than Canceling Your Coverage

You’ll need to hold just a few necessary issues in thoughts earlier than terminating your coverage.

1. Different Insurers Will Exclude Pre-Present Circumstances

It’s important to know that any situations your pet was identified with earlier than or through the time your canine was enrolled in Trupanions’s pet insurance coverage will probably be excluded from protection by any new insurance coverage supplier.

This could be a troublesome blow in case your pup was identified with and handled for a persistent situation, corresponding to diabetes, arthritis, allergy symptoms, or most cancers, throughout your Trupanion coverage protection. It might be sensible to calculate your canine’s medical prices for a yr and take into account how Trupanion covers eligible situations now and if these bills are one thing you possibly can independently cowl your self.

2. Your Pet’s Age

Your present Trupanion coverage covers your pet for all times. Nonetheless, in case you cancel your coverage and have an aged pet, it’s possible you’ll not be capable of discover a new pet insurance coverage coverage that meets your funds and wishes. Some suppliers have age limits and gained’t insure pets as soon as they attain a sure age (limits range by supplier).

3. Diseases & Accidents Can Happen Anytime

In case your pet has by no means had any medical issues, it’s possible you’ll take into account terminating your coverage. However needless to say accidents and well being situations can pop up once you least anticipate them. Even in case you plan on enrolling your pup with a brand new insurance coverage supplier, you’ll have ready intervals earlier than your new coverage’s protection kicks in.

Incessantly Requested Questions

Listed below are some questions pet mother and father ask most frequently about canceling pet insurance coverage. For those who don’t see yours right here, you possibly can ask us in feedback.

Can I Cancel Trupanion At Any Time?

Sure, you possibly can cancel your Trupanion pet insurance coverage coverage at any time for any cause.

What Is Trupanion’s 30-Day Cash-Again Assure?

You may cancel your coverage for any cause inside 30 days of the coverage efficient date, and Trupanion will refund 100% of any premium paid so long as the corporate has paid no claims. This may revoke the coverage completely, denying any pending or not but submitted claims.

Can I Get My Cash Again After The 30-Day Assure?

Sure, Trupanion will return all or a portion of your premium cost based mostly on the date of termination of your coverage. Nonetheless, needless to say in case you’ve submitted a declare throughout or after the assure and also you cancel, terminating your coverage nullifies any earlier declare you’ve submitted.

What Occurs To Pet Insurance coverage When A Pet Dies?

For those who’re canceling your pet insurance coverage coverage as a result of your pet has handed away, please know you’re in our ideas. We hope you will discover consolation within the reminiscences you made collectively.

Whereas that is such a troublesome time for you, it’s nonetheless necessary to recollect to contact your insurance coverage firm and notify them of your pet’s passing. You are able to do so by calling, emailing, or mailing Trupanion’s customer support division. For those who needed to euthanize your pup, Trupanion insurance policies cowl prices related to veterinarian-recommended euthanasia and provide you with as much as 90 days to file the declare.

How To Discover A New Pet Insurance coverage Firm

For those who’re not happy with Trupanion however would nonetheless wish to insure your pet, I encourage you to learn our pet insurance coverage evaluations to see which corporations we suggest. Moreover, you may get quotes from most of the prime pet insurance coverage corporations by filling out the quote kind above.

I encourage you to do your analysis and get quotes earlier than you cancel your present coverage. This fashion, you possibly can decrease the interval that your pup isn’t coated between your earlier and new pet insurance coverage protection. It doesn’t matter what, pet insurance coverage is value it, and insuring your furry associates is a good way to guard your pockets and ensure your pets get the required well being care they want.

Why Belief Canine Journal?

Sally has over 20 years of expertise in human well being sciences communications, together with 10 years as an knowledgeable on pet well being situations and remedy. She’s additionally spent over a decade researching pet insurance coverage as a part of an knowledgeable group at Canine Journal. As devoted canine professionals and long-time canine house owners, we take a look at and analysis one of the best pet merchandise, not just for our personal pups however for all of our readers.

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