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Travel Insurance Refund Policy

It's Company and Policy Dependent:
Refund policies will vary depending on the type of insurance policy you have purchased, and the company you have purchased it from. There is usually a ten day 'right to examine' period for the purchaser to review the policy and if not satisfied with coverage, ask for a full refund. However, if the coverage comes into effect before this ten day period is over, for example when an annual plan or a trip cancellation policy is purchased, a full refund will not be possible.

Each company clearly states its refund policy in the insurance policy wording. You can easily view these prior to purchase by clicking on 'summary' on your quote presentation. 

Most companies charge an administration fee and have a minimum refund unless you qualify for a full refund. 

Multi-trip (Annual) Policies:
In general, companies do not offer refunds for multi-trip annual policies, once the effective date (the first day of the year of coverage) has passed. They need to avoid dealing with refunds for people who might buy a multi-trip plan, use it for the first three months, and then ask for a 75% refund.

Super Visa Insurance Policies:

Usually, refunds are not a major concern as people tend to use the entire amount of coverage they have purchased. However, Canada's new Super Visa requires applicant's to purchase a 365 day policy, even when travel plans may only be for a shorter period of time. As long as no claim has occurred on the policy, a partial refund for the unused portion of the insurance is usually possible, although different conditions apply according to the policy purchased. Here, for reference, is a summary of the refund criteria in the various visitors to Canada insurance policies that are purchased for the Super Visa insurance requirement:

Manulife

Manulife Visitors to Canada Policy Plan A - No Pre-existing Medical Conditions Coverage or
Manulife Visitors to Canada Policy Plan B - Stable Pre-existing Medical Conditions Coverage*
To obtain a refund of premium:
a) If you cancel your policy at any time before the effective date of insurance, you can ask for a full refund.
b) If you obtain Canadian government health insurance plan coverage, or return home before the date you were scheduled as per your confirmation, and have not reported or initiated a claim or been provided with any assistance services, you may ask for a refund of the premium for the unused days of your trip (minimum $25) and will need to provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage. Simply contact us to ask for a refund. All travellers insured under the same policy must return together or have effective Canadian government health insurance plan coverage, for a refund to be possible.
No refunds are available for Trip Interruption and Travel Accident Insurance and Multi-Trip plans after the effective date.

RSA (Royal Sun Alliance - previously named ETFS)

RSA Medi-Select Advantage Emergency Medical for Visitors to Canada - includes Coverage for Stable Pre-existing Medical Conditions
Premium Refunds:
1. If cancellation of your policy is requested prior to the effective date of your policy, the full premium will be refunded. If the policy was purchased for a Super Visa application, satisfactory proof from Citizenship and Immigration Canada that your Super Visa was denied will be required prior to the refund being accepted and processed.
2. If termination of your policy is requested because you must return to your country of origin prior to your scheduled return date, or you become eligible and/or covered under a provincial or territorial government health insurance plan during the period of coverage, a partial refund of premium (less an administration fee of $25 per insurance policy) may be refunded, provided no claim has been incurred at any time during your trip. If the policy was purchased for a Super Visa and you are returning to your country of origin and not returning to Canada prior to your policy’s expiry date, satisfactory proof from Citizenship and Immigration Canada of your return will be required prior to the partial refund being accepted and processed.
Note: Requests for refunds must be received in writing by your broker or sales agent no later than 90 days from the date you became eligible and/or covered under a provincial or territorial government health care plan, or the date of your early return, or the expiry date of your policy. Once your broker or sales agent receives satisfactory proof (e.g. airline ticket/boarding pass,customs/immigration stamp, or documentation from Citizenship and Immigration Canada) of your early return, or proof of the date you became eligible and/or covered under a provincial or territorial government health insurance plan, your refund will be calculated from that date, otherwise calculation of such refunds will be based on the postmarked date of your written request. No refund will be issued if the amount of premium to be reimbursed is less than $10 per policy.

RSA Hospital Medical Care Visitors Insurance - with Stable Pre-existing Medical Conditions coverage*
Premium Refunds
a) If cancellation of your policy is requested prior to the effective date of your policy, the full premium will be refunded.
b) If termination of your policy is requested because you must return to your country of origin prior to your scheduled return date or because you become eligible for a government health insurance plan in Canada, a partial amount (less an administration fee of $25 per insurance policy) of the premium paid may be refunded, provided no claim has been incurred at any time during your trip.
c) Requests for refunds must be made in writing within 90 days of your policy expiry date to your broker or sales agent. If your broker or sales agent receives satisfactory proof (ex. airline ticket or customs/immigration stamp or proof of coverage under a government health insurance plan) of your actual return date to your country of origin or the start date of your coverage under a government health insurance plan in Canada, your refund will be calculated from that date, otherwise calculation of such refunds will be based on the postmarked date of your written request. No refund will be issued if the amount of premium to be reimbursed is less than $10 per policy.

Special Risks Management (SRMRM)

SRM (Special Risks Management) 'Take a Risk' or 'Cover My Conditions' Visitors to Canada $100,000
Refunds:
Requests for premium refund will be considered, in the case of non-departure from your original country of residence due to a medical emergency, failure to meet visa requirements, or following eligibility for a Canadian Government Health Insurance Plan, provided this policy is signed and returned to the Company and no claim has been paid or is pending on Your behalf.
A refund will be calculated from the date of receipt of written notification, subject to an administration fee of $25 per application and a minimum refund amount of $10 per policy.
BestQuote Note: We have received a written confirmation from Special Risks MRM Inc.'s president, that partial refunds will also be administered according to the following policy:
”Partial refunds will be made available upon an early return to one’s home country (with proof of return like a boarding pass, stamped passport, etc.) or eligibility for Canadian Health Insurance Plan, on the unused portion of the policy, subject to an administration fee of $25. per application and a minimum refund amount of $10 per policy provided this policy has no claim paid nor pending on Your behalf.”

GMS (Group Medical Services) Travel Insurance

GMS Daily Immigrants & Visitors to Canada Plan - includes Stable Pre-existing Medical Conditions coverage*
REQUESTING A REFUND:
1. A full refund is available if the entire trip is cancelled prior to the effective date of coverage.
2. A partial refund is available if:
a. you return to your country of origin and a minimum of thirty (30) days remains unused on the policy;
b. you become eligible and covered under a provincial or territorial Government plan during the period of coverage; or
c. you have a minimum of thirty (30) days unused on the policy as a result of your death.
3. No refunds are available if claims have been incurred under this insurance plan.
BEST QUOTE NOTE - THIS POLICY COMES WITH THE FOLLOWING RESTRICTION: GMS MAY CONSIDER AN ACCIDENT OR ILLNESS REPORT TO THEIR CLAIMS CENTRE TO BE AN INSURANCE CLAIM, EVEN IF A CLAIM REQUEST IS NEVER SUBMITTED. IN THIS EVENT, NO REFUND WOULD BE AVAILABLE.)
4. No refunds will be issued for amounts under $5.00.

Travel Guard (Canada)

Travel Guard Visitors to Canada Emergency Medical - Stable Pre-existing Medical Conditions coverage to age 49*
Refunds are available up to your start date or if you have a minimum of three (3) unused days of coverage. Please call 1-866-878-0191. No refund of premium will be made in the event that a claim has been paid, incurred or reported under this policy. Refund requests must be substantiated with original receipts showing dates of travel.

Allianz

Allianz Visitors to Canada Emergency Hospital & Medical - Includes Stable Pre-existing Medical Conditions Coverage*
Refund procedures:
When submitting your refund request, please include:
1. a fully completed and signed Refund Request Form; and
2. a copy of confirmation of coverage; and
3. confirmation of your early departure such as boarding pass or itinerary, or any other written proof of your early return to your country of origin; and
4. any other documentation to support your refund request.
Refunds are payable when:
1. The entire trip is cancelled prior to the effective date.
2. You return to your country of origin prior to the expiry date.
3. You become insured under a Canadian provincial or territorial health/medical plan.
Premium refunds, regardless of method of payment, must be obtained from the agent where coverage was originally purchased unless purchased directly from AGA. There will be no refund of premium if a claim has been made.
Premiums which are 100% refundable are subject to a $10 administration fee, except when cancelled during the 10 day examination period. Partial cancellations are charged a $25 administration fee. These fees are deducted from the net premium to be refunded. Premiums less than the minimum premium will not be refunded.

TuGo

TuGo Ultimate TG Visitors to Canada Insurance - with Stable Pre-existing Medical Conditions coverage*
Refunds are available as follows:
1. Refunds are not available if a claim has been or will be submitted. 
2. When no travel has taken place and the request for refund is received PRIOR to the effective date of the Policy, a full refund is available. 
3. When no travel has taken place and the request for refund is received AFTER the effective date of the Policy: 
a) A full refund is available within 10 days of the application date; or, 
b) A refund less an administration fee is available when the request for refund is received more than 10 days after the application date but no later than one year from the expiry 
date of the Policy. 
c) Refunds must be requested in writing. 
4. A partial refund is available if: 
a) You return to your country of permanent residence; or, 
b) You become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage. 
c) A satisfactory proof of return to your country of permanent residence or proof of the date you became eligible and/or covered under a provincial or territorial government health care plan, is sent to TuGo. 
d) Refunds must be requested in writing. 
All refund requests must be received by TuGo no later than one year from the date you became eligible and/or covered under a provincial or territorial government health care plan. Refunds will be calculated from the date you return to your country of permanent residence or the date you become eligible and/or covered under a provincial or territorial government health care plan. All partial refunds will be subject to an administration fee. 
5. Applicable to 365-day Policies with a sum insured of $100,000 or more (Super Visa Policies): 
a) A refund is available, subject to a $250 cancellation fee, provided no travel has taken place. For cancellation after the effective date of the Policy, the request must be received no later than one year from the expiry date of the Policy; or, 
b) If a Super Visa application was denied, a full refund is available prior to the effective date of the Policy, or a refund less an administration fee is available after the effective date of the Policy, provided the request is received no later than one year from the expiry date of the Policy. Supporting documentation must be sent to TuGo. 
c) Refunds must be requested in writing. 
Note: If your Super Visa application is delayed, please contact your designated representative prior to your Policy effective date to change the coverage dates of your Policy. 


Claims:
Refunds for unused insurance (upon an early return home) are usually allowable only if no claim has occurred or will occur on the policy at the time of refund. For this reason, people who plan to call off their trip early (like some Super Visa holders) may not want to submit smaller claims in order for them to remain eligible for a refund. Also, it may be advisable for couples to purchase two separate policies to ensure that if a claim is made on one policy, refund eligibility remains for the other person who may also return home early after their travel companion has to make a claim. Some companies automatically issue two separate policy numbers for a couple - others don't.

If you have the need to apply for a refund:

Please call BestQuote for assistance toll free 1-888-888-0510, sometimes we can help you avoid the administration fees, when you can't if you deal directly with the insurance company. In some cases, the insurance companies require the broker to help file the refund request, at other times it may be better if we assist you in order to save you time. However, company contact numbers are listed below:

Manulife Travel Insurance

Call 1-888-881-8010 toll-free from Canada or  (519) 945-8346 collect during business hours.


Travel Guard

Call 1-866-878-0192 or collect at 416-646-3723 during (EST) business hours.


GMS

Call toll-free 1-800-459-6604 within Canada or collect 905-762-5196 24 hours a day seven days per week. 


Travel Underwriters

From Canada call toll free 1-800-663-0399 or call collect to 604-278-4108 during business hours.


RSA

From Canada call TOLL FREE 1-800-715-8833 or call 819-566-8698 (collect) during business hours (EST).


Allianz

Toll free from Canada: 1-800-995-1662 .
If unable to contact AGA through the toll free numbers call collect: 416-340-0049 during business hours.

 
Special Risks Managament (SRM)

Toll free 1-866-222-0079.

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