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Cancellation service #1 in Canada
Pets Best is a U.S.-based pet insurance provider that offers accident and illness coverage for dogs and cats, claims reimbursement, and a 30-day money-back guarantee on new policies (subject to no claims being filed). While its primary operations are in the United States, Canadians should confirm availability and terms for policies sold to or used in Canada before purchasing.
When Pets Best receives and processes your cancellation request the policy is terminated effective the next day. You will lose access to benefits and any in-force coverage immediately after the cancellation effective date; any ongoing claims will be handled according to Pets Best claims rules and the policy terms in force up to the cancellation date. Your policy will not renew after cancellation. Pets Best retains records of the policy and the cancellation; if you need copies of past invoices or claims, contact customer service before or after cancellation to request them.
Pets Best offers a 30-day full refund (100% of premium) if you cancel within 30 days of the policy effective date and no claim has been filed. If you cancel after that 30-day period you are generally entitled to a pro-rated refund for any unearned premium collected. Refund processing and timing may vary: cancellation processing commonly takes 2 - 5 days, and refunds typically issue to the original payment method within roughly 10 - 15 business days, though timing can differ by payment method and bank.
| Plan | Price (CAD) |
|---|---|
| Pets Best plans | Varies |
Pets Best is U.S.-based; Canadian consumers should confirm that the specific policy they purchase is valid for their location and comply with any provincial insurance requirements. Many Canadian provinces provide consumer protections such as cooling-off periods for insurance contracts; Pets Best’s 30-day full-refund window typically equals or exceeds many provincial minima but does not replace local statutory rights. If you purchased through the App Store or Google Play, check Apple and Google refund policies as well, since app-store purchases can have additional platform-level refund remedies. When in doubt, request written confirmation of cancellation and refund details from Pets Best and, for legal questions, consult your provincial consumer protection agency or an insurance regulator.
Customer feedback is mixed. Many policyholders report that claims are easy to submit and that reimbursements can arrive quickly - often within about a week - and that customer service can be compassionate and helpful, especially with large claims. However, complaints also frequently mention long claim processing times (weeks to a month in some cases), intermittent website or app access problems, difficulty reaching customer service (long holds or unresponsive channels), claim denials (sometimes for pre-existing conditions or via automated review), and notable premium increases at renewal with limited recourse for reversing those increases. These experiences suggest good outcomes for many customers but also practical challenges for others.
Customers sometimes assume they can cancel through mobile apps and are surprised to learn Pets Best requires phone or written cancellation; this can delay the process. Another common mistake is not requesting written or emailed confirmation of cancellation - without confirmation you may have difficulty proving cancellation or refund eligibility. People also often forget to check whether a claim was submitted during the 30-day money-back window; any paid claim typically voids the full-refund eligibility for that period. Finally, not keeping copies or proof of sent cancellation requests (fax confirmation, certified mail receipt, or a saved email) can complicate disputes about the cancellation effective date.
| Method | Refund | Difficulty |
|---|---|---|
| Phone | Pro-rated refund for unearned premium; 30-day full refund if within money-back period and no claim; cancellation processed in 2 - 5 days; refund posts in about 10 - 15 business days | Low |
| Email / Mail / Fax | Pro-rated refund for unearned premium; 30-day full refund if within money-back period and no claim; cancellation effective upon receipt; refund timing similar | Low |
| App Store / Google Play | Pets Best does not cancel policies directly via App Store or Google Play; refunds depend on Pets Best’s cancellation + any platform-level refund policies (check Apple/Google for app-purchase refunds) | Higher - requires additional steps and checking platform policies |
Keep the written confirmation or email from Pets Best showing the cancellation date and any refund amount. Monitor your bank or card statements for the refund within the stated timeframe (typically 10 - 15 business days). If you do not receive confirmation or a refund in the expected window, contact Pets Best customer service again, provide your proof of cancellation, and ask for escalation. For further information, visit the Pets Best website and FAQs, and if you purchased via a mobile app, review Apple’s or Google’s refund procedures for app purchases.
Helpful links: Pets Best, Pets Best FAQs, Financial Consumer Agency of Canada, Apple refunds, Google Play refunds.
Pets Best Insurance Services, LLC, 965 Keller Rd., Altamonte Springs, FL 32714. For phone cancellations call 1-877-738-7237. If you send mail, consider certified mail (return receipt requested) to have proof of delivery.
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Written by Charlotte Lavoie
eIDAS legal expert · 8 years experience
Lawyer specialized in digital trust services and the eIDAS regulation, I have been helping individuals and businesses send legally binding certified mail for 8 years.