Pet Insurance

How To Cancel Spot Pet Insurance


Last Updated: January 18, 2024 | 4 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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If you’re thinking about canceling your Spot Pet Insurance policy, we encourage you to see our tips on the factors you’ll want to consider before making a firm decision. We also have advice on how and when to find a new pet insurance provider to keep your pup protected. However, if you’ve already decided to cancel for whatever reason, we give you contact information and tips on how to cancel your Spot policy.

Read Our Full Spot Pet Insurance Review

Spot Pet Insurance Cancellation Policy

Below is Spot Pet Insurance’s official cancellation policy:

You must contact us via email, telephone or in writing to advise us of the future date when this policy is to cancel. You can send written notification by email, fax or by mail. We will refund any premium that you have already paid for any period after your last date of coverage.

How To Cancel Spot Pet Insurance

Unlike some other pet insurance providers, Spot doesn’t have a handy online cancellation form you can fill out and submit. But they do give you a few options to terminate your policy.

Call To Cancel

If you’d like to speak with a Spot representative about canceling, call 1-800-905-1595. Customer service is available by phone Monday through Friday from 8am to 8pm EST. Be sure to have your policy number handy.

Once you’re connected with a representative on the phone, you can ask any questions about canceling your policy. If they say they can terminate your policy over the phone, then you can proceed if you’d like. However, they may request written confirmation. If they can cancel by phone, we recommend asking them to email you a confirmation message that the policy has been terminated. Having it in writing will help should you accidentally be billed after canceling.

Email Or Mail To Cancel

Spot also gives you two written options for canceling.

You can send your request by email at

You can also send it via snail mail with a written notice of cancellation to:
Spot Pet Insurance
990 Biscayne Blvd Suite 603
Miami, FL 33132.

If you’d prefer to handle your policy termination in writing, we recommend doing so via email. That way, you can ask questions and receive a quick confirmation of cancellation in writing.

Issues To Consider Before Canceling Your Policy

You’ll want to keep a few important things in mind before terminating your policy.

Other Insurers Will Exclude Pre-Existing Conditions

It’s essential to know that any conditions your pet was diagnosed with before or during the time your dog was enrolled in Spot’s pet insurance will likely be excluded from coverage by any new insurance provider.

This can be extremely problematic if your pup was diagnosed with and treated for a chronic condition, such as arthritis, diabetes, cancer, or allergies, during your Spot policy coverage. Will you be able to cover these veterinary expenses yourself? It may be wise to calculate your dog’s ongoing medical costs for a year to determine if you can afford them.

Your Pet’s Age

Your current Spot policy covers your pet for life so long as you stay current on payments. However, if you cancel your policy and have an elderly pet, you may not be able to find a new pet insurance policy that meets your budget and needs. Some providers have age limits and won’t insure new pets once they reach a certain age (limits vary by provider).

Illnesses & Accidents Can Occur Anytime

You may be considering terminating your policy because your pup has never had any medical problems. But keep in mind that accidents and health conditions can arise when you least expect them. Even if you plan on enrolling your pup with a new insurance provider, you’ll have waiting periods before your new policy’s coverage kicks in. So it may be wise to overlap them during this time to guarantee your pet is not subject to any waiting period-related coverage gaps.

Frequently Asked Questions

Can I Get My Money Back From Spot?

Yes, any pro-rated money you have paid in advance for coverage will likely be refunded after your policy is terminated, so long as you have no outstanding claims.

Can I Cancel Spot At Any Time?

Yes, you can cancel your Spot pet insurance policy at any time. However, if you have an outstanding claim, it would be wise to wait until it has been settled and any money due to you has been received.

What Is Spot’s Best’s 30-Day Money-Back Guarantee?

You can cancel your policy for any reason within 30 days of the policy effective date, and Spot will refund 100% of any premium paid as long as no claims have been paid. If you submitted a claim during this time period, Spot will refund any premium in accordance with their regular cancellation policy. This 30-day money-back guarantee is not available in Maine or New York.

What Happens To Pet Insurance When A Pet Dies?

If you’re canceling your pet insurance policy because your pet has crossed over the rainbow bridge, please know you are in our thoughts. It’s evident that you cared immensely for your pet by insuring them to begin with, and the bond you shared is unbreakable. We hope you can find comfort in the memories you made together.

Regarding your question, after your pet dies, you should contact Spot’s customer service by phone. They’ll cancel your account for the day after your pet passes, but you’ll still be able to file any final claims.

How To Find A New Pet Insurance Company

If you’d still like to insure your pet but weren’t satisfied with Spot, be sure to read our pet insurance reviews to see which pet insurance companies we recommend most highly. Additionally, you can get quotes from many of the top pet insurance companies by filling out the quote form above.

We suggest doing your research and getting quotes before you cancel your existing policy. This approach can minimize the time period that your pup isn’t covered between your previous and new pet insurance coverage. No matter what, pet insurance is worth it, and insuring your furry friends is a great way to protect your wallet and make sure your pets get the necessary health care they need.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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