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I hereby notify you of my decision to terminate the contract relating to the Petplan 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.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
How to Cancel Petplan: Complete Guide
What is Petplan
Petplan began as a specialist pet insurer and its Australian operations are now part of the Petcover Group. The business offers lifetime-style policies, cover for accidents and illnesses, and options that vary by annual limits and excess amounts. Petcover promotes up to A$20,000 cover on eligible vet bills and states some policies may cover up to 100% of eligible costs, depending on plan choices and excesses.
The site lists example starting premiums (for example a 1-year-old Jack Russell on a core plan from A$35.68/month) and refers readers to Product Disclosure Statements (PDS) for exact terms, waiting periods and excess schedules. This page summarises how subscriptions work and how to approach cancellation while protecting your consumer rights.
Why people cancel Petplan and the common reasons
People cancel for higher premiums, changes to cover, overlapping cover when switching insurers, and dissatisfaction with claim handling or response times. Many cancellations follow a renewal where a premium increase or a change in underwriting terms makes the policy less attractive.
Other reasons include the pet ageing into different excess brackets, a diagnosis that becomes a pre-existing condition on renewal, or a decision to self-insure after a perceived shortfall in payouts. These choices often reflect a trade-off between ongoing premium cost and expected claim value.
How cancellations typically work for Petplan subscriptions
Timing usually follows the billing cycle and the PDS terms: policies have a start date, an annual renewal point, and defined waiting periods for conditions. Some Petplan/Petcover policies are described as "umbrella for life" which means cover continues for a condition year-to-year provided there is no break in cover. Changes at renewal can affect both premium and what remains covered.
Refunds and proration depend on the policy wording in the PDS and the insurer’s refund rules. Refund eligibility commonly depends on whether a policy was prepaid, whether claims were made in the current period, and whether any cooling-off rights still apply under the PDS. The PDS is the authoritative document for refund and proration rules.
Excess structure is material to how much you ultimately recover on claims. Historically Petplan products used a fixed excess plus a variable excess for older pets (for example an additional percentage excess from certain ages), an issue regulators examined previously. That variable excess can change claim outcomes for older pets.
Customer experiences with cancelling Petplan
What users report
Public reviews show a pattern of dissatisfaction tied to premium increases, perceived claim denials, and slow responses. Some customers report that renewal increases were the trigger for cancellation decisions. Others praise fast payouts in positive cases; the company also reports a high on-time claims statistic in recent reporting periods.
Trustpilot and other review sites include direct user statements such as premium spikes prompting cancellation and long waits for claim resolution. Representative user phrasing includes statements about premium increases leading them to leave and frustration at required additional documentation during claims. These are user-sourced comments and reflect individual experiences.
Recurring issues and practical takeaways
Multiple reviews highlight three practical themes: check renewal notices carefully, verify how excesses will apply as your pet ages, and read exclusions that may apply post-renewal. In practice, early review of your PDS around renewal gives you the best chance to spot material changes.
Regulatory history matters: ASIC and related actions have previously required clearer disclosure about excesses and rebates, which affects interpretation of advertised reimbursement rates. As a result, always cross-check promotional claims against the PDS.
Documentation checklist for cancelling Petplan
- Policy details: Policy number, start date, renewal date, and plan name as shown in your PDS or policy schedule.
- Proof of payment: Recent billing statements, receipts for the current period, and dates of any direct debits.
- Claims record: Dates and amounts of claims made in the current period and any correspondence about those claims.
- PDS excerpt: The page/section that mentions refunds, cooling-off, excess and renewal terms.
- Complaint record: Copies of any registered complaints, case numbers, and responses received from the insurer.
- Identification: The ID details the insurer requires to verify the policyholder (refer to your policy schedule).
Practical rights and timings that matter for Petplan customers
Cooling-off rights are usually set out in the PDS and may give a short window after purchase for a full refund if no claim has been made. For renewals, cooling-off is less commonly available; the renewal PDS and policy schedule explain the insurer’s position.
When premiums change at renewal, you typically have the right to accept the new terms or to end cover according to the policy terms. Refunds for prepaid annual premiums will depend on whether the insurer’s terms allow short-period refunds and whether claims have been made. The PDS is decisive.
If a claim is in progress at the time you cancel, outcomes depend on policy wording: some policies treat ongoing claims differently, and some restrict refunds where claims exist. Keep detailed records of claim submissions and any authorisations.
Refunds, proration and financial implications specific to Petplan
Petcover/Petplan documentation describes varying refund rules: full refunds are rare once coverage has commenced and claims have been made. Where refunds are available, insurers often deduct the used portion of the premium for the time the policy was active. This means any refund can be reduced by the pro rata cost of coverage provided.
Excesses and variable excess amounts materially affect net payout and will not usually be refunded if a claim has been accepted and paid. Historical regulatory attention on excess disclosure means excesses should be clearly set out in the PDS; confirm those figures before assessing refund impact.
Disputes, chargebacks and escalation when Petplan decisions are unsatisfactory
Start with the insurer’s internal dispute process as set out in the PDS and complaints pages. If an internal dispute fails, regulated avenues include lodging a complaint with the relevant industry ombudsman or financial complaints scheme referenced in the PDS. Keep copies of every step in the dispute.
Using your bank’s chargeback process is a separate consumer tool for disputed card transactions but is not a substitute for formal insurer dispute steps. Banks assess chargebacks against card scheme rules and timing limits, and outcomes vary. Document reasons and timelines carefully if you consider this route.
Common pitfalls and how to avoid them with Petplan
- Ignoring the PDS at renewal: Review renewal notices and the PDS to catch increases, new exclusions or changed excesses.
- Assuming advertised rates equal net payout: Promotional claims may omit how excesses or age-related percentages reduce payouts; check the PDS for exact mechanics.
- Not keeping records: Missing receipts or claim references makes disputes and refund calculations harder to resolve.
- Delaying action: Some remedies and complaint avenues have time limits; taking prompt steps preserves options.
Subscription plans and pricing at a glance
| Plan | Typical starting premium (example) | Key features |
|---|---|---|
| Core (example) | A$35.68/month (example for a 1-year-old Jack Russell) | Basic lifetime-style cover options, waiting periods apply, fixed excess per claim. Exact price varies by pet and cover chosen. |
| Umbrella for life | Varies | Lifetime continuity benefits for covered conditions, options up to A$20,000 annual limit on eligible vet bills; reimbursements subject to excess and PDS terms. |
| Other cover levels | Varies | Higher annual limits and additional benefits are available at higher premiums; see PDS and quote for details. |
Feature comparison and service indicators
| Feature | Petcover / Petplan notes |
|---|---|
| Maximum annual limit | Up to A$20,000 on eligible plans; some options and limits vary by product. |
| Reimbursement rate | Advertised up to 100% of eligible vet bills but subject to fixed and variable excesses; read the PDS. |
| Claims performance | Recent reporting cites around 93% of claims paid and many claims processed quickly, though user reviews show mixed experiences. |
Address
- Address: 1-3 Smolic Court, Tullamarine, Victoria, Australia, 3043
What to expect after cancelling Petplan
After a policy ends, expect to receive a final policy statement that shows whether any refund is due or whether outstanding amounts remain. Keep this statement and reconcile it against your documentation checklist.
If you later seek cover elsewhere, insurers commonly treat previous conditions as pre-existing when there is a break in cover. This can affect future insurability and premium. Consider those future effects when deciding timing of cancellation.
If you have an unresolved dispute about refunds or claims after cancellation, pursue the insurer’s complaint channels and, if needed, the external disputes scheme named in the PDS. Maintain a chronological record of all interactions and documents.
Practical next steps and resources for Petplan customers
Read the Product Disclosure Statement and the renewal notice carefully and keep copies of all relevant documents. Cross-check promotional statements against the PDS and the insurer’s public reporting.
If you decide to change cover, plan the timing to avoid gaps that can create pre-existing condition exclusions. If you have concerns about disclosure or conduct, note that past regulatory action has required clearer disclosure on excesses and rebates; use that context when evaluating responses.