Trupanion pet insurance coverage makes canceling your coverage straightforward for any purpose you could have. Nonetheless, earlier than you make a agency determination, I encourage you to learn this text. I’ll provide you with a number of recommendations on what to think about 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 steering on methods to cancel your Trupanion coverage.
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Trupanion Cancellation Coverage
Under is Trupanion’s official cancellation coverage, based mostly on the pattern coverage you’ll find on their web site:
Chances are you’ll 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 purpose inside 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 payment (if relevant) again.
How To Cancel Your Trupanion Coverage
In contrast to another pet insurance coverage suppliers, Trupanion doesn’t have a easy cancellation type 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 that you would be able to 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, one year a yr.
I encourage canceling by cellphone as a result of you’ve gotten the chance to ask any questions you could have in regards to the cancellation and refund course of. Nonetheless, as soon as the Trupanion consultant confirms that they’ve canceled your coverage, it’s essential 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: [email protected]
- 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 means you possibly can ask questions and obtain a fast affirmation of cancellation in writing.
Contact Dwell Chat
Trupanion additionally presents 24/7/365 reside chat on its web site. You may provoke contact utilizing this selection to seek 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 maintain a number of essential issues in thoughts earlier than terminating your coverage.
1. Different Insurers Will Exclude Pre-Present Circumstances
It’s important to know that any circumstances your pet was recognized with earlier than or through the time your canine was enrolled in Trupanions’s pet insurance coverage will seemingly be excluded from protection by any new insurance coverage supplier.
This generally is a tough blow in case your pup was recognized with and handled for a continual situation, akin to diabetes, arthritis, allergy symptoms, or most cancers, throughout your Trupanion coverage protection. It could be clever to calculate your canine’s medical prices for a yr and take into account how Trupanion covers eligible circumstances 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, chances are you’ll not be capable to 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, chances are you’ll take into account terminating your coverage. However remember the fact that accidents and well being circumstances can pop up while you least count on 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 dad and mom 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 purpose.
What Is Trupanion’s 30-Day Cash-Again Assure?
You’ll be able to cancel your coverage for any purpose 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. It will revoke the coverage solely, 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, remember the fact that 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’ll find consolation within the reminiscences you made collectively.
Whereas that is such a tough time for you, it’s nonetheless essential 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 glad with Trupanion however would nonetheless wish to insure your pet, I encourage you to learn our pet insurance coverage critiques to see which corporations we advocate. Moreover, you may get quotes from most of the high pet insurance coverage corporations by filling out the quote type above.
I encourage you to do your analysis and get quotes earlier than you cancel your current coverage. This fashion, you possibly can reduce the interval that your pup isn’t lined between your earlier and new pet insurance coverage protection. It doesn’t matter what, pet insurance coverage is price it, and insuring your furry mates 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 professional on pet well being circumstances and remedy. She’s additionally spent over a decade researching pet insurance coverage as a part of an professional 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.