Cancelling Your MetLife Pet Insurance Policy: What You Need to Know

Purchasing pet insurance is an important way to protect your furry family members, But what if you need to cancel your MetLife pet insurance policy? Understanding the cancellation process can give you peace of mind if you ever need to make this change,

In this comprehensive guide we’ll explain MetLife’s pet insurance cancellation policy including

• How to cancel your policy
• When cancellation takes effect
• Impact on existing claims
• Policy reinstatement options
• Alternatives like switching plans

Let’s dive in and cover all the details around cancelling your MetLife pet insurance

Overview of Cancelling MetLife Pet Insurance

MetLife aims to make cancelling straightforward. You can call their customer service line and speak with a representative to cancel your policy. It’s important to note that cancellation takes effect at the end of your current policy term. So if you cancel mid-policy, coverage will continue until the end date.

Cancelling your MetLife policy also means you lose access to submit new claims. However, you can still get reimbursements for expenses incurred before the cancellation date. MetLife provides a couple options if you change your mind after cancelling too.

Below we’ll explain exactly when cancellation takes effect, how it impacts claims, and your choices if you want to reinstate coverage.

How to Cancel Your MetLife Pet Insurance Policy

Cancelling your MetLife pet insurance policy only requires a quick phone call. Just contact their customer service line at this number:

MetLife Pet Insurance: 1-855-270-7387

A representative will take you through cancelling the policy. They can answer any questions you have as well.

You’ll need to provide your policy number and other identifying details so they can access your account.

After confirming your cancellation request, MetLife will send a written notification confirming the policy termination date.

When Does Cancellation Take Effect?

With MetLife, cancellation doesn’t happen immediately when you call. Instead, your policy remains active until the current 12-month term completes.

For example, if you purchased coverage on January 1st and call to cancel on July 15th, your policy will remain active until December 31st.

MetLife can only cancel the policy at the end of the current 12-month policy period. So you’ll continue to have coverage until that term expires after cancelling.

The representative will confirm the exact end date when you call to cancel. But you can expect coverage until the current year is up.

Impact of Cancellation on Existing Claims

Importantly, cancelling your MetLife policy has no impact on processing reimbursements for claims already incurred.

If your pet received treatment or you paid vet expenses before the cancellation date, you can still submit a claim to get reimbursed.

MetLife will process claims for eligible expenses occurring before the policy terminated. You just can’t file for reimbursement on anything after the cancellation effective date.

So don’t worry about losing out on claims you planned to submit when cancelling. As long as the treatment date was during active policy coverage, MetLife will handle the claim.

Reinstating a Cancelled MetLife Pet Insurance Policy

Did you change your mind? MetLife does give you options if you cancelled but want to resume coverage.

Here are two choices if you cancelled but want to reinstate your pet insurance:

1. Reactivate the Same Policy

If the cancellation date hasn’t passed yet, you may be able to reactivate the same policy. Call MetLife within 30 days of cancelling to see if this is possible.

2. Apply for a New Policy

After the cancellation takes effect, you can always apply for a brand new MetLife pet insurance policy. This starts a new 12-month term with new rates.

Your pet will be subject to any waiting periods and pre-existing condition exclusions on a new policy. So reactivating the same policy is better if the option is still available in the first 30 days after cancelling.

Alternatives to Cancelling Your MetLife Pet Insurance

Instead of cancelling entirely, you may want to consider alternatives like:

• Lowering your annual limit or reimbursement rate to reduce premiums
• Increasing your deductible which lowers the monthly cost
• Switching to a different MetLife plan that better fits your needs
• Temporarily pausing the policy if allowed in your state

These options let you retain coverage without completely cancelling. Check with MetLife to see if they are feasible instead of fully terminating your pet insurance.

Key Takeaways on MetLife Pet Insurance Cancellation

Cancelling your MetLife policy is straightforward – just call their customer service line. Here are some key points to remember:

• Cancellation takes effect at the end of your current 12-month policy period
• You can still submit claims for expenses incurred before the termination date
• You may be able to reactivate the same policy within 30 days
• Consider alternatives like adjusting your plan before outright cancellation

Knowing MetLife’s cancellation and reinstatement policies allows you to make an informed choice if you need to terminate pet insurance coverage. Reach out to a representative with any other questions about cancelling or modifying your policy.