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js

Canceling Insurance?

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Hi. 

Once you purchase insurance, can you cancel it?

i know the pros of having it, just wondering. 

 

Thank you. 

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Each company has a different policy.

In the States, all policies have a review timeline where after purchase, you can review the policy and if it doesn't fit your needs you can cancel.  The free look period is usually 10 to 14 days.

 

Can you cancel the insurance you purchased and get your money back? For the most part, NO

 

Can you change your travel plans and change the travel dates on your insurance? Sometimes. Depends on the plan purchased.

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Hi JS,

 

If your travel plans change after your Free Look period, some companies will allow you to change your travel dates on your policy.

 

Generally, you can change your travel dates if your trip changes and you do not incur any penalty or financial loss when cancelling your original trip. This can be tricky because some travel agents charge fees, airlines will and also some cruise lines do, too.

 

Something that is similar to this, but is not the same situation, happens when you choose not to take your trip before you buy airfare or when you are outside the penalty period. To you it might seem like cancelling a trip before the penalty period relieves the travel insurance company of any future risk, but this is not the case. If you are past the free look period (10 – 14 days, depending on the plan, after you buy a policy and you can cancel the policy for a full refund), you may not get a refund on the travel insurance policy because you choose not to take your trip.

 

I hope this makes sense,

 

Steve

 

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