Manage Metromile

How to cancel metromile insurance in canada and avoid device return fees

What is metromile and why canadians are cancelling

Metromile is a usage-based auto insurance provider known for its pay-per-mile model, where your premium adjusts based on actual mileage tracked through a telematics device called Pulse. You only pay for the miles you drive, which appeals to low-mileage drivers and those working from home.

The company operates primarily in the United States, but Canadian drivers researching cancellation often discover that Metromile's help resources are U.S.-centric and may not align with Canadian provincial insurance regulations. If you've decided Metromile no longer fits your needs-whether due to cost, coverage gaps, or switching providers-Stopee is here to guide you through a clean cancellation without unexpected fees.

Understanding your cancellation options before you act protects you from common traps, including device return penalties and unclear billing timelines.

Why canadian drivers cancel metromile

You might cancel for several reasons: the pay-per-mile model may not deliver savings if your driving habits change, the Pulse device may feel intrusive, or you've found better rates elsewhere. Provincial insurance rules in your province may also shift your coverage priorities. Stopee's data shows that clarity on cancellation timing and device obligations is the biggest pain point for departing customers.

Your rights as a metromile customer in canada

Canadian consumer protection law gives you specific rights when cancelling insurance. Most provinces allow you a 14-day cooling-off period from the date you purchase or receive your policy documents, during which you can cancel and receive a full refund. After that window closes, your province's insurance rules govern refunds and cancellation terms.

If Metromile refuses to process your cancellation or charges illegal fees, contact your provincial insurance regulator (for example, Financial Services Regulatory Authority in Ontario, or your equivalent provincial body). These regulators enforce fair cancellation practices and can compel refunds if Metromile breaches consumer law.

Metromile pricing and device fees

Understanding Metromile's cost structure helps you anticipate what you'll owe on cancellation and what refunds you might expect.

The device non-return penalty is the most common surprise charge. When you cancel, Metromile expects you to return the Pulse device within 30 business days. If you don't, you'll face a penalty that offsets any refund credit.

How to cancel metromile in four methods

You have multiple channels to cancel your Metromile policy; choose the method that gives you the clearest proof of cancellation.

Cancel by phone (fastest and clearest)

Calling Metromile directly is often the quickest route because you receive verbal confirmation on the spot and can ask clarifying questions about device return and final billing.

1. Call Metromile customer service at 1-888-311-2909 or 1-888-244-1702 during business hours (typically Monday to Friday, 8:00 am to 5:00 pm Pacific Time; some sources indicate extended hours to 6:00 pm PT).
   • Have your policy number ready.
   • State your desired cancellation date (you can request immediate cancellation or a future date).
2. Ask the representative for a cancellation confirmation number and request that it be sent to you via email.
   • Write down the confirmation number during the call.
   • Request the cancellation effective date in writing.
3. Confirm the device return instructions: ask whether Metromile will email you a prepaid return label or if you must pay for return shipping.
   • Pro tip: Do not pay out of pocket for device return shipping; many insurers cover this cost. If told you must pay, escalate to a supervisor.
4. After the call, send yourself an email summarizing what was discussed (date, time, representative name, confirmation number). This creates a personal record if disputes arise later.

Cancel via metromile's online portal or contact form

If you prefer a written record before speaking to anyone, use Metromile's website to submit a cancellation request.

1. Log into your Metromile account on their website or mobile app.
   • Look for a "Manage Policy" or "Account Settings" section.
   • Search for a cancellation or "End Coverage" option.
2. If no self-service cancellation option exists, navigate to the contact form or "Support" page and fill out a cancellation request.
   • Include your full name, policy number, and the date you want coverage to end.
   • Write a brief reason (optional but can strengthen your case if a dispute occurs).
3. Submit the form and take a screenshot of the confirmation page that appears.
   • Save the screenshot to your device or email it to yourself.
4. Wait 1-2 business days for an email confirmation from Metromile.
   • Warning: If you don't receive confirmation within 48 hours, follow up by phone using the number above.

Cancel by certified mail (strongest legal proof)

If you need ironclad proof that Metromile received your cancellation request-especially if you're in a cooling-off period or disputing a charge-use Canada Post's certified or registered mail service.

1. Prepare a written cancellation letter that includes:
   • Your full name and date of birth.
   • Your Metromile policy number.
   • Vehicle identification number (VIN) or vehicle details if you have multiple vehicles.
   • Your requested cancellation date.
   • A clear statement: "I hereby request cancellation of my Metromile insurance policy effective [date]."
   • Your return address and phone number.
   • Today's date and your signature.
2. Print and sign the letter. Do not email an unsigned version; Metromile may reject it.
3. Visit a Canada Post office and send the letter via Registered Mail with Proof of Delivery (not regular mail).
   • Ask for a tracking number and receipt showing the delivery date.
   • Keep this receipt in a safe place.
4. Address the envelope to:
   • Metromile Insurance
   • 690 Folsom Street, Suite 200
   • San Francisco, California 94107
   • United States
5. Mail typically takes 5-10 business days to reach the United States. Track your shipment online and note the delivery date.
   • Pro tip: Send your letter at least 15 business days before your desired cancellation date to ensure it arrives on time.

Cancel by email (use with caution)

Email is convenient but offers weaker proof of delivery than certified mail or phone confirmation. If you choose email, strengthen your documentation.

1. Send a cancellation email to Metromile's customer service address (typically found on their contact page; a common address is support@metromile.com, though this may vary).
   • Include all details from the certified mail letter above (name, policy number, VIN, requested cancellation date, signature as a typed name).
2. Request a read receipt in your email client (most email services offer this option).
   • This confirms Metromile opened your message, though it doesn't guarantee they read or processed it.
3. Within 2 business days, call Metromile at the number above to confirm they received your email and to request a confirmation number.
   • This phone call creates a secondary proof trail.
4. Save all email correspondence in a dedicated folder on your device or in cloud storage.
   • Pro tip: Email alone may not satisfy a provincial regulator if a dispute arises, so always follow up by phone.

What happens after you cancel your metromile policy

Cancellation is not instant; understanding the timeline and device obligations prevents surprises.

Timeline and coverage

When you request cancellation, your coverage typically remains active until the end of your current billing period or the cancellation date you specify-whichever comes first. You remain insured during this window, so if you have an accident, you're still covered. However, no new premium refund is issued for the unused portion of your billing cycle unless you're within the 14-day cooling-off period.

Metromile will send you a final statement showing any charges accrued up to the cancellation date and confirming that your account is closed.

The pulse device and return penalties

The Pulse device is Metromile's property, and you must return it to avoid a penalty charge. After you cancel, Metromile will email you return instructions, typically including a prepaid return shipping label.

• Mail the device back to Metromile within 30 business days of cancellation.
• Use the prepaid label provided if possible; if no label was included, contact Metromile to request one before paying out of pocket.
• Keep the tracking number from your return shipment as proof.
• Warning: Failure to return the device within 30 business days results in a charge of $100-$150, which Metromile may add to your final bill or pursue separately.

If you no longer have the device or it's damaged, contact Metromile immediately to discuss your options before the 30-day window closes.

Refunds and billing after cancellation

Metromile's refund policy is stricter than many insurers, and understanding what you will and won't receive helps set realistic expectations.

What you will not receive

Metromile does not typically issue prorated refunds for unused time after the 14-day cooling-off period expires. If you cancel mid-cycle, you remain covered until the end of that billing period but receive no cash refund for the remaining days. You only pay for the miles you've actually driven; no refund is issued for miles you didn't drive.

What you might receive

If you cancel during the 14-day cooling-off period in your province, you qualify for a full refund minus any claims paid out. Request this refund in writing and reference your province's Insurance Act or consumer protection statute. Stopee recommends mentioning the cooling-off period explicitly in your cancellation request.

In rare cases, if Metromile miscalculates your charges or you dispute a final bill, you can escalate to your provincial insurance regulator, which may order a partial refund.

Device return fees

As noted above, failing to return the Pulse device within 30 business days triggers a penalty that is deducted from any refund you might otherwise receive. This is not a refund scenario-it's a charge scenario. Return the device immediately upon receiving cancellation instructions to avoid this fee entirely.

Common mistakes when cancelling metromile

Cancellation can feel frustrating when you're eager to move on; these pitfalls trip up even careful customers.

• Deleting the Metromile app without cancelling the policy: Removing the app from your phone does not cancel your insurance. The policy remains active and you continue to accrue charges. You must contact Metromile directly to formally end coverage.
• Assuming the 30-day Pulse return window is flexible: Metromile's 30 business day deadline for device return is firm. If your device arrives on day 31, the penalty applies. Mail it as soon as you receive instructions-don't wait.
• Cancelling through your bank or credit card company: Stopping payment on your Metromile bill does not cancel your policy; it may cause coverage to lapse unpaid, which harms your insurance record. Always cancel directly with Metromile.
• Not requesting a confirmation number: If you call to cancel, insist on a confirmation number. This is your proof that you cancelled on a specific date. Without it, disputes become harder to resolve.
• Overlooking the cooling-off period: If you're within 14 days of purchase, mention this to Metromile and request a full refund. Many customers cancel without knowing they qualify for a refund, simply because they didn't ask.
• Forgetting to save documentation: Screenshots, email confirmations, certified mail receipts, and confirmation numbers are your only defense if Metromile later claims you never cancelled. Save everything.

Your cancellation checklist for metromile

Use this checklist to ensure you've covered every step and won't face surprise charges after you leave.

When to escalate to your provincial insurance regulator

If Metromile refuses to cancel, charges illegal fees, or withholds a refund you're entitled to, escalate to your provincial regulator.

Each Canadian province has an insurance regulator that enforces fair practices and can compel refunds or cancellation. Examples include:

• Ontario: Financial Services Regulatory Authority (FSRA)
• British Columbia: BC Financial Services Authority (BCFSA)
• Alberta: Alberta Insurance Council
• Quebec: Autorite des marches financiers (AMF)

File a complaint if Metromile charges the device penalty after you've returned the device, refuses to honor your cancellation request, or denies a cooling-off refund. Provide your confirmation number, return tracking, and any written correspondence. The regulator will investigate and can order Metromile to refund you or reverse charges.

Stopee encourages you to document every interaction with Metromile so you have a clear timeline if escalation becomes necessary.

Key takeaways: cancel metromile with confidence

Cancelling Metromile is straightforward if you follow the right steps and anticipate the device return penalty. Call at 1-888-311-2909 or 1-888-244-1702 to speak to a representative, obtain a confirmation number, and clarify device return obligations. If you're within 14 days of purchase, request a full refund and mention your province's cooling-off period by name. Return the Pulse device within 30 business days using the prepaid label to avoid a $100-$150 penalty. Save all confirmations and receipts.

If Metromile charges unexpected fees or refuses to cancel, escalate to your provincial insurance regulator. The regulator has the authority to compel Metromile to honor cancellations and refund illegal charges.

Stopee has helped thousands of consumers cancel subscriptions and insurance policies cleanly and without fear. Visit Stopee.com to access cancellation guides for hundreds of services, track your cancellations, and receive alerts if charges continue after you've cancelled. Stopee empowers you to take control of your recurring payments and your money-because cancellation should be simple, not a maze.

Contact details for metromile cancellation

Use these methods to reach Metromile and finalize your cancellation.

• Phone (Canada-friendly hours): 1-888-311-2909 or 1-888-244-1702 (Monday to Friday, 8:00 am to 5:00 pm Pacific Time)
• Mailing address for certified mail: Metromile Insurance, 690 Folsom Street, Suite 200, San Francisco, California 94107, United States
• Online contact form: Visit Metromile's website under Support or Contact Us
• Email support: Check Metromile's website for the current customer service email address

When you cancel, mention that you are a Canadian consumer and reference your province's consumer protection or insurance legislation if needed. This signals to Metromile that your cancellation is governed by Canadian law and increases the likelihood of a smooth, compliant cancellation process.

Stopee.com is your partner in cancellation-transparent, judgment-free, and on your side.