How to cancel Pets Best insurance
To cancel your Pets Best policy, call their customer service line at 1-877-738-7237 during business hours (Monday through Friday, 8 a.m. to 6 p.m. Pacific time). Have your policy number ready. The representative will ask why you're cancelling and may offer options to reduce your premium instead — you can accept or decline. Once you confirm cancellation, your coverage ends on the date you specify, and Pets Best will send a written confirmation by mail.
You can also request cancellation in writing by mailing a letter to Pets Best's customer service address (which you'll find on your policy documents or their website). Written requests take longer to process — typically five to ten business days — so phone cancellation is faster if you need coverage to end by a specific date.
Pets Best does not charge a cancellation fee, and you will receive a refund for any unused portion of your premium if you cancel mid-billing cycle. The refund amount depends on how many days remain in your current billing period.
Key Takeaways
- Call Pets Best at 1-877-738-7237 during business hours with your policy number to cancel by phone, which is the fastest method.
- You can also cancel by mailing a written request to the address on your policy documents, though this takes five to ten business days.
- Pets Best does not charge a cancellation fee and will refund the unused portion of your premium if you cancel mid-cycle.
- Your coverage ends on the date you specify during cancellation, and you will receive written confirmation by mail.
- The customer service representative may offer ways to lower your premium before you cancel — listen to the options, but you are not required to accept.
What happens to your coverage after you cancel
Once your cancellation is confirmed, Pets Best stops covering any new claims or vet visits that occur after your end date. If your pet has an ongoing condition or is in the middle of treatment, that claim will not be covered after the cancellation date, so plan your timing carefully if your pet is currently receiving care.
Any claims you submitted before the cancellation date will still be processed according to your policy terms, even if you receive the reimbursement after your coverage has ended. Keep copies of all receipts and claim documentation until you receive final payment.
Getting a refund for unused premium
Pets Best calculates your refund based on the number of days remaining in your current billing cycle. If you pay monthly and cancel on the 15th of a 30-day cycle, you'll receive a refund for approximately 15 days of unused coverage. If you pay annually, the refund will be larger.
Refunds are typically mailed within two to three weeks of your cancellation date. Check the confirmation letter Pets Best sends you — it should include an estimated refund amount and the expected mailing date. If you don't receive your refund within four weeks, contact customer service again with your cancellation confirmation number.
Before you cancel: options to reduce your costs
When you call to cancel, Pets Best's customer service team will often ask if you'd consider lowering your premium instead. You have several options: raising your deductible (which lowers your monthly cost), reducing your reimbursement percentage, or removing optional add-ons like wellness coverage. These changes take effect on your next billing date.
If cost is your main reason for cancelling, it's worth hearing what adjustments are available. You can always cancel later if the new premium still doesn't work for your budget. However, if you're switching to a different pet insurance company, cancelling Pets Best first is usually the right move — most insurers won't cover pre-existing conditions, so there's no benefit to keeping both policies active.
Cancelling before your policy renews
If you want to cancel before your annual renewal date, do so at least 10 to 15 days before the renewal date. Pets Best will charge you for the new policy year if your cancellation request arrives after the renewal has processed. Check your policy documents for the exact renewal date, and call customer service well in advance to avoid being billed for another year.
If you're already charged for a renewal you didn't want, contact Pets Best when ready. They can sometimes reverse the charge if you call within a few days of the renewal date, though this depends on whether the payment has already cleared your bank.
Switching to a different pet insurance company
When you move to a new insurer, there is a gap in coverage between when Pets Best ends and when your new policy begins. To minimize this gap, time your cancellation so your new policy's start date falls on or just before your Pets Best end date. Most insurers let you choose your start date when you purchase a policy.
Do not cancel Pets Best until your new policy is active and you've received confirmation that it's in force. If something happens to your pet during the gap, neither insurer will cover it. Also keep in mind that your new insurer will not cover any conditions your pet had before the new policy started, so switching doesn't help with pre-existing conditions — it only affects future claims.
What to do if you have trouble cancelling
If Pets Best's customer service refuses to process your cancellation or claims you owe money before they'll cancel, you can file a complaint with your state's insurance commissioner. Each state has an insurance department that oversees complaints against insurers. Search "[your state] insurance commissioner" online to find the contact information and complaint form for your state.
Keep copies of all emails, letters, and notes from phone calls with Pets Best. If you file a complaint, include these records along with your policy number and a clear description of what happened. The insurance commissioner's office will investigate and can force the insurer to process your cancellation if Pets Best is in violation of state law.
Frequently Asked Questions
Will I get a refund if I cancel mid-month?
Yes. Pets Best refunds the unused portion of your premium based on the number of days left in your billing cycle. If you pay monthly and cancel halfway through, you'll receive roughly half of that month's premium back. The refund is mailed within two to three weeks.
Can I cancel if my pet has a claim pending?
Yes, you can cancel even with a pending claim. However, Pets Best will still process and pay that claim according to your policy terms, even after your coverage ends. Do not cancel until all active claims are fully resolved and paid.
What if I want to cancel but keep coverage for one more month?
When you call to cancel, tell the representative the specific date you want coverage to end. You can request an end date up to 30 days in the future. Your premium will be prorated if you cancel mid-cycle, and you'll receive a refund for the unused days.
Do I need to give a reason when I cancel?
No. Pets Best will ask why you're cancelling, but you're not required to explain. You can straightforward say you've decided to cancel and want to proceed. The representative may offer options to reduce your cost, but you can decline and move forward with cancellation.
What happens if I cancel and then want to re-enroll later?
You can re-enroll with Pets Best at any time, but any conditions your pet developed after you cancelled will be considered pre-existing and won't be covered under a new policy. If your pet's health hasn't changed, re-enrolling is straightforward — just contact Pets Best and purchase a new policy.