Can An Insurance Company Cancel My Policy If They Never Sent A Bill? 
They can do that if they have proof that the bill was sent out . However , you can try to resolve this with them over the phone . Also , your policy has a month grace period where it will stay in effect even if the payment is up to a month late . It sounds like the payment was over a month late . Perhaps you can reinstate your policy and switch to automatic withdrawal as a safeguard from this happening again . 