Cancellation service #1 in Australia
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Everyday Pet Insurance service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
How to Cancel Everyday Pet Insurance: Complete Guide
What is Everyday Pet Insurance
Everyday Pet Insurance is a retail-branded pet insurance product that offers tiered cover levels for cats and dogs, administered as part of the Everyday Insurance suite. Policies offer specified accidental injury cover and illness cover, with optional routine-care add-ons at higher tiers and additional benefits such as access to a 24/7 vet advice service and a grocery reward through Everyday Rewards. Policy features, limits and waiting periods vary by plan and by the date the policy was issued. The product is presented as four main levels of cover with differing annual benefit limits and optional extras.
Everyday Pet Insurance policies sold after mid-2023 are administered under updated arrangements; administrative and underwriting arrangements can affect billing, claims handling and how policy changes are processed. Therefore it is important to check which administrator or underwriter applies to your specific policy year.
| Plan | Annual benefit limit | Main inclusions |
|---|---|---|
| Basic | A$5,000 | Specified accidental injury and some illness cover; limited extras |
| Standard | A$10,000 | Broader illness cover, consultation limits |
| Comprehensive | A$24,000 | Higher annual limit, optional routine care |
| Comprehensive plus | A$30,000 | Top-tier annual limit, optional routine care, additional benefits |
These plan limits and benefits are stated by the provider as the standard offering; premiums vary by pet age, breed, location, excess and optional extras. GapOnly features and reward-linked discounts are part of the product marketing.
Customer experiences with cancellation
What users report
Public feedback from review sites and forums shows a mix of positive experiences with claims convenience and negative experiences around account changes and cancellation. Many positive comments focus on on-the-spot GapOnly claim handling and the practical value of higher annual limits at certain levels. Negative reports often highlight communication breakdowns and delays when a policy is cancelled or when customers request changes.
Representative customer comments include short direct quotes found in public reviews. One reviewer said: "they would not cancel without a death certificate" when attempting to close a policy after a bereavement. Other reviewers describe surprise cancellations tied to card or payment problems and frustration with how long administrative issues took to resolve. These remarks reflect recurring themes rather than a universal experience.
Recurring issues and practical takeaways
Common issues seen across reviews include: unexpected policy lapses following failed payments, requests for supporting documents before finalising cancellation-related refunds, and delays in written confirmation. As a result, customers emphasise retaining transaction records and policy documents when they request any change.
Practical takeaways from user feedback: keep accurate policy numbers, note effective dates, expect possible requests for verification documentation and allow time for administrative processing. If you are preparing to change cover or leave the product, plan for potential re-waiting periods should you re-enrol later.
How cancellations typically work for Everyday Pet Insurance
Cooling-off: Policies generally include a cooling-off period that permits a full refund if cancelled within the stated days of purchase or renewal and no claims have been made. For Everyday Pet Insurance this cooling-off timeframe is listed as 21 days for many policy versions; cancelling inside this period typically yields a full refund subject to the policy conditions. Therefore, act quickly if you decide the product is not right for you.
After cooling-off: Cancellations outside the cooling-off window are usually settled on a pro-rata basis for the unused portion of the premium, minus any government charges and insurance handling fees the insurer is required to retain. Refund timing and calculation methods vary by policy and administrator. Expect an adjustment back to the effective cancellation date once the insurer completes its administrative checks.
Notice periods and renewal timing: Many policies require notice before the next renewal date to avoid being charged for another period. Renewal-cycle billing means a cancellation that is not processed before the renewal date can result in a renewal premium being taken. Therefore, note your renewal date and allow lead time to secure written confirmation of the effective cancellation date.
Proration examples and refunds: In practice, if a policy is cancelled partway through a paid period the insurer will generally calculate a refund for the unused days. This refund may exclude certain unavoidable charges. Processing times reported in industry summaries commonly range from several business days to a few weeks for payments to appear in bank accounts.
Special circumstances: If a pet dies or becomes permanently disabled, policies typically allow cancellation effective from the date of the event with a pro-rata premium adjustment; insurers may request evidence such as a veterinary statement. Policy termination for non-payment or misrepresentation is also possible and may affect future insurability.
What users report about Everyday Pet Insurance cancellations
This section summarises public feedback specifically about cancellations. Many reviewers who had positive experiences cited fast claims handling and helpful on-the-spot outcomes via networked vet options. Conversely, reviewers who had poor experiences commonly cited administrative delays, difficulty receiving final written confirmation, and requests for documents that extended processing times.
One consistent theme is communication: several reviewers mentioned they received little or no proactive notice prior to a policy lapse when a payment failed. Others reported that reinstatement or replacement policies were subject to age-related limits or reinstated waiting periods. This means planning ahead is important if you want continuous cover.
Documentation checklist
- Policy number: Keep a clear copy of your active policy documentation.
- Proof of payment: Retain bank statements or transaction records showing premium debits or refunds.
- Effective cancellation date: Record the date you intend the policy to end and any confirmation you receive.
- Claims history: Preserve claim reference numbers and vet invoices in case they affect refund calculations.
- Veterinary evidence: Keep clinical notes or statements where death or permanent disability is involved.
- Correspondence log: Keep a clear log of any interactions, including dates and what was discussed.
Common pitfalls and mistakes to avoid when you cancel Everyday Pet Insurance
- 1. Missing renewal windows - allow time to obtain confirmation before the renewal date to avoid an unwanted charge.
- 2. Ignoring the cooling-off window - a full refund is often available only inside the cooling-off period and if no claims were made.
- 3. Not securing written confirmation - verbal statements are not always reliable when billing disputes arise.
- 4. Overlooking waiting periods - if you later re-enrol, waiting periods for illness may apply again.
- 5. Failing to keep proof of payment - this complicates penalty or refund disputes for non-payment cancellations.
Disputes, chargebacks and escalation paths
If you disagree with an insurer’s cancellation handling or refund calculation, the first step is to use the insurer’s internal complaints process and seek a written outcome. Everyday Insurance materials state an internal handling timeframe and the option to escalate unresolved matters to an external dispute body.
External review: If the insurer cannot resolve the issue within the stated internal timeframe or you are unhappy with the outcome, you may take the matter to the independent dispute resolution scheme that covers financial services. Time limits apply to external complaints and different rules may apply depending on the exact legal status of the product at the time of purchase. Keep records of the internal complaint and any final decision as these are typically required by the external scheme.
Chargebacks: If a premium appears on your bank statement that you believe is incorrect, your card issuer may offer a chargeback path. This is a bank process and separate from an insurer complaint. Use chargebacks carefully because they do not replace the insurer complaint process and may complicate later dispute resolution.
Address
- Address: Locked Bag 9021, Castle Hill NSW 1765
Useful timelines and what to expect after a cancellation request
Processing times reported in public summaries and customer comments typically range from a few business days to several weeks for refunds to be finalised. Industry help pages indicate insurers aim to respond to complaints within 15 business days and provide a final internal review within 30 calendar days where a written outcome is required. Therefore, expect administrative follow-up within these normal industry timeframes.
If an insurer identifies a premium adjustment or overcharge after a pricing review, refund calculations may include interest and take additional time to process account reconciliations. Recent industry cases show that pricing or discounting errors can result in mass refunds, which typically occur after an internal audit and notification process. Keep records to verify any such adjustments.
| Item | Typical outcome |
|---|---|
| Cancellation inside cooling-off | Full refund if no claims were made. |
| Cancellation after cooling-off | Pro-rata refund less applicable charges. |
| Policy lapse for non-payment | Possible termination without pro-rata refund; may affect future cover. |
| Cancellation after pet death | Pro-rata adjustment potentially requiring veterinary evidence. |
What to do after cancelling Everyday Pet Insurance
Obtain and retain written confirmation of the effective cancellation date and any refund calculation. Monitor your billing statements in the period after cancellation to confirm amounts returned and to spot any further debits. Keep all documentation related to the policy and any correspondence for at least the insurer’s stated retention period.
Consider replacement cover: If you want continuous protection, research alternative policies before the cancellation takes effect to avoid gaps in cover. Remember that re-enrolment with any insurer may trigger waiting periods for certain cover types, and prior conditions may be treated as pre-existing. Therefore, balance the desire to switch with the risk of a coverage gap.
Escalation if unresolved: If internal review does not resolve a dispute, lodge an external complaint with the independent dispute resolution scheme within the scheme’s time limits. Keep your complaint file organised and include policy documents, payment records and any written outcomes supplied by the insurer.
Final practical note: Treat cancellations as a financial transaction that can generate disputes. Therefore, safeguard evidence, note exact dates and be prepared to escalate to an independent reviewer if internal remedies do not produce a fair outcome.