How to cancel pet insurance, and whether you get a refund

Phone, app or in writing, and whether the unused part of your premium comes back. Each insurer's published terms.

Labrador Retriever
On this page
  1. The short answer
  2. By insurer
  3. What this means for your dog
  4. Before you buy
  5. Questions owners ask

Updated October 6, 2026. Plan facts come from each insurer's published documents; each insurer's policy documents control.

The short answer

You can cancel at any time with all seven insurers we could check. Embrace, Fetch, Lemonade, Pets Best and Spot refund the unused part of the premium; Odie's help center says there is no refund after 30 days, and Healthy Paws doesn't state a refund after its free-look period.

Inside the first 30 days, with no claims, all seven give a full refund.

What will it cost for your dog?

Pick your breed, age and ZIP code to see the estimated monthly price from the insurers we compare.

Model updated Sep 2026 · No phone calls · Independent

Cancelling and refunds, by insurer

InsurerCancelling and refundsNotes
EmbraceCancel anytime by phone; daily pro-rata refund[1]Cancel anytime by calling customer service; after the first 30 days any refund is computed on a daily pro-rata basis.
FetchBy phone; pro rata refund after 30 days[2]Cancel anytime by calling; effective end of billing cycle or 30 days later. After 30 days, pro rata premium is returned.
Healthy PawsCancel anytime; refund after free look not stated[3]Cancel in writing by mail, fax or email at least 14 days before next premium payment; FAQ also allows phone. No later refund stated.
LemonadeCancel anytime; pro-rata refund[4]You may cancel at any time and leftover premium is returned on a pro-rata basis; cancellation is done in the app.
OdieHelp center: no refund after 30 days[5]Help center: no refund after 30 days, coverage runs to end of billing cycle. Sample policy says unearned premium is refunded pro rata.
Pets BestCancel anytime; prorated refund[6]Cancel online, by phone, or in writing by mail, fax or email; unearned collected premium is refunded pro rata.
SpotCancel anytime; unused premium refunded[7]Cancel by email, phone or in writing; premium already paid for any period after the last date of coverage is refunded.
TrupanionNot verified yetTrupanion's website blocks automated requests, so we could not check this against its policy yet. Ask Trupanion directly.

From each insurer's own sample policy, terms or FAQ, checked October 2, 2026. Terms vary by state and plan, and the policy you buy controls.

Check how this applies to your breed

What this means for your dog

How you cancel differs. Embrace and Fetch ask you to call; Lemonade cancels in its app; Pets Best and Spot accept phone, email or written requests; Healthy Paws asks for written notice at least 14 days before the next payment. If you pay monthly, a late request can mean one more charge.

Cancelling has a cost beyond the premium: anything your dog was treated for becomes pre-existing under any future policy. For a dog with a chronic condition, such as heart disease in a Cavalier King Charles Spaniel, a new insurer will exclude it. If price is the problem, a higher deductible or a lower reimbursement rate is usually better than cancelling.

If you are switching insurers, buy the new policy first and cancel the old one only after the new waiting periods end. How to switch without a gap.

Before you buy

  • Check how the insurer accepts cancellations: phone, app, email or in writing.
  • Ask whether you get a pro-rata refund, and when it is paid.
  • Cancel before the next billing date to avoid another charge.
  • If switching, keep the old policy until the new one's waiting periods have passed.

Questions owners ask

Can I cancel pet insurance at any time?

Yes, with all seven insurers we could check. How you cancel varies: by phone with Embrace and Fetch, in the app with Lemonade, and by phone, email or in writing with Pets Best and Spot.

Do I get money back if I cancel pet insurance?

Embrace, Fetch, Lemonade, Pets Best and Spot refund unused premium. Odie's help center says there is no refund after 30 days, and Healthy Paws does not state a refund after its free-look period.

What happens to my dog's conditions if I cancel and buy again later?

A new policy treats anything already in your dog's vet record as pre-existing and excludes it.

Sources

  1. Embrace Pet Insurance Sample Policy Terms & Conditions (v6, most states). Embrace Pet Insurance.
  2. Pet Health Insurance Policy Terms and Conditions (sample, GPTM 050 0326 A). Fetch, 2026.
  3. Westchester Fire Insurance Company Pet Health Insurance Policy (sample, LD-50812 (07/18)). Healthy Paws.
  4. Lemonade Pet Health Insurance sample policy LEM-PET (04-21), New Jersey example. Lemonade, 2021.
  5. Help Center - Odie Pet Insurance. Odie Pet Insurance.
  6. Accident and Illness Policy Form, Arizona sample (IAIC-PB10001-ILL). Pets Best Insurance Services.
  7. Accident & Illness Sample Policy (Arizona, form PET-P-20000-1024, Independence American Insurance Company). Spot Pet Insurance.

How we choose and check sources: Sources we use.

Free-look period. A short window after buying a policy, commonly 10 to 30 days, in which you can cancel for a full refund if you have not filed a claim. More in the glossaryPre-existing condition. Anything diagnosed or showing symptoms before coverage starts or during the waiting period. No insurer we list covers it. More in the glossary