Money Back Guarantee is the “free-look” period when a traveler can decide if the policy they purchased is right for them, and cancel for a full refund.
The Money Back Guarantee window typically lasts for 10 or 14 days, depending on the policy, or until the departure date. To cancel a policy during the Money Back Guarantee period, a traveler can contact their provider directly.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Money Back Guarantee coverage.
Enter your trip information on our custom quote form. Once you receive your results, select the Money Back Guarantee filter to find the best policy for your trip with the coverage that you need.
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Policy Name and Summary of Coverage | Full Policy Wording | |
1 |
Free look up to 15 days after purchase |
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FIFTEEN DAY RIGHT TO EXAMINE COVERAGE The Insured has the right to examine coverage upon receipt of his/her Policy. If he/she is not satisfied for any reason, he/she may return his/her Policy, within 15 days after receipt, to Us, Our authorized representative, or to the Administrator. Provided the Insured has not yet departed on his/her Covered Trip and has not yet incurred any Covered Loss as defined by this Policy, this Policy and the Insured’s coverage under this Policy will be voided from the outset of coverage and premium will be refunded accordingly. |
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2 |
Free look up to 15 days after purchase |
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FIFTEEN DAY RIGHT TO EXAMINE COVERAGE The Insured has the right to examine coverage upon receipt of his/her Policy. If he/she is not satisfied for any reason, he/she may return his/her Policy, within 15 days after receipt, to Us, Our authorized representative, or to the Administrator. Provided the Insured has not yet departed on his/her Covered Trip and has not yet incurred any Covered Loss as defined by this Policy, this Policy and the Insured’s coverage under this Policy will be voided from the outset of coverage and premium will be refunded accordingly. |
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3 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
4 |
Free look up to 14 days after purchase |
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If You are not satisfied for any reason, You may cancel this policy and request a full refund of Your premium by notifying the program administrator in writing within 14 days after payment for Your policy. Your premium will be refunded, provided that You have not already departed on the Trip or filed a claim. When so returned, all coverages under this policy are void from the inception of the policy. After expiration of the referenced 14 day period, Your premium is non-refundable. The premium for the policy is not divisible. |
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5 |
Free look up to 14 days after purchase |
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If You are not satisfied for any reason, You may cancel this policy and request a full refund of Your premium by notifying the program adminstrator in writing within 14 days after payment for Your policy. Your premium will be refunded, provided that You have not already departed on the Trip or filed a claim. When so returned, all coverages under this policy are void from the inception of the policy. After expiration of the referenced 14 day period, Your premium is non-refundable. The premium for the policy is not divisible. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
6 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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7 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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8 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
9 |
Free look up to 10 days after purchase |
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OUR PROMISE TO YOU Since your satisfaction is our priority, we are pleased to give you ten (10) days to review your policy. If, during this ten (10)‐day period, you are not completely satisfied for any reason, you may cancel your policy and receive a full refund. Please note that this refund is only available if the covered trip has not started and if a claim has not been initiated. After this ten (10)‐day period, your premium is nonrefundable. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
10 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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11 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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12 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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13 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: (a) 15 days from the Effective Date of your insurance; or (b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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14 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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15 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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16 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
17 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
18 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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19 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
20 |
Free look up to 10 days after purchase |
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10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrator’s office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable. |
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21 |
Free look up to 10 days after purchase |
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10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrator’s office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable. |
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22 |
Free look up to 10 days after purchase |
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10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE If you are not satisfied for any reason, you may cancel coverage under the policy within 10 days after receipt. Your premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your Trip. Return the Description of Coverage to us at the Program Administrator’s office or our authorized agent. When so returned, the Description of Coverage is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
23 |
Free look up to the day before effective date |
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SATISFACTION GUARANTEE Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Cancellation of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. Cancellation of Coverage Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Cancellation of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. No refunds of premium shall be paid to You: • after Your coverage Effective Date: or In these circumstances, the premium charged is fully earned and is non-refundable. |
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24 |
Free look up to the day before effective date |
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SATISFACTION GUARANTEE Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Cancellation of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. Cancellation of Coverage Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Cancellation of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. No refunds of premium shall be paid to You: • after Your coverage Effective Date: or In these circumstances, the premium charged is fully earned and is non-refundable. |
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25 |
Free look up to the day before effective date |
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SATISFACTION GUARANTEE Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Cancellation of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. Cancellation of this Policy Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Once your Coverage Effective date starts, You may request cancellation of coverage, but the following conditions apply: • If any claims have been filed with Us, the Premium is considered fully earned and is non-refundable. • If no claims have been filed with Us, the unused portion of the premium paid may be refunded as follows: - Only full month premiums will be considered refundable. All cancellations of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. |
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26 |
Free look up to the day before effective date |
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SATISFACTION GUARANTEE Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Cancellation of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. Cancellation of this Policy Any date prior to Your Effective date of Coverage, You may request a full refund of premium from Us. Once your Coverage Effective date starts, You may request cancellation of coverage, but the following conditions apply: • If any claims have been filed with Us, the Premium is considered fully earned and is non-refundable. • If no claims have been filed with Us, the unused portion of the premium paid may be refunded as follows: - Only full month premiums will be considered refundable. All cancellations of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
27 |
Free look up to the day before effective date |
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Refund of Premium – Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available. |
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28 |
Free look up to the day before effective date |
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Refund of Premium – Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available. |
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29 |
Free look up to the day before effective date |
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Refund of Premium – Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
30 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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31 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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32 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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33 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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34 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
35 |
Free look up to 10 days after purchase |
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10 Day Free Look Period If You are not satisfied for any reason, You may cancel this policy within ten (10) days from the date of purchase by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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36 |
iTravelInsured Travel LX Basic Free look up to 10 days after purchase |
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10 Day Free Look Period If You are not satisfied for any reason, You may cancel this policy within ten (10) days from the date of purchase by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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37 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If you depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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38 |
iTravelInsured Travel Essential Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If you depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
39 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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40 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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41 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
42 |
Free look up to the day before effective date |
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Medjet memberships are nontransferable and are nonrefundable after the membership’s effective date. By enrolling as a Member, you accept and agree to the terms and conditions of membership. |
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43 |
Free look up to the day before effective date |
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Medjet memberships are nontransferable and are nonrefundable after the membership’s effective date. By enrolling as a Member, you accept and agree to the terms and conditions of membership. |
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44 |
Free look up to the day before effective date |
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Medjet memberships are nontransferable and are nonrefundable after the membership’s effective date. By enrolling as a Member, you accept and agree to the terms and conditions of membership. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
45 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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46 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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47 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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48 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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49 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
50 |
Free look up to 14 days after purchase |
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14 Day Free Look Period If You are not satisfied for any reason, You may cancel this policy within 14 days from the date of purchase by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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51 |
Free look up to 10 days after purchase |
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TEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 10 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy. |
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52 |
Free look up to 10 days after purchase |
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TEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: a) 10 days from the Effective Date of Your Insurance; or b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy. |
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53 |
Free look up to 14 days after purchase |
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14 Day Free Look Period If You are not satisfied for any reason, You may cancel this policy within 14 days from the date of purchase by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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54 |
Free look up to the day before effective date |
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11.5 Refund of Premium We hope You are satisfied with the coverage provided under this Plan. However, if this insurance does not meet Your requirements, please notify Us in writing prior to the Effective Date of Coverage to obtain a full refund. If a written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee of $35.00, provided no claim has been submitted to Us for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate. |
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55 |
Free look up to the day before effective date |
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11.5 Refund of Premium. We hope You are satisfied with the coverage provided under this Plan. However, if this insurance does not meet Your requirements, please notify Us in writing prior to the Effective Date of Coverage to obtain a full refund. If a written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee of $35.00, provided no claim has been submitted to Us for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate. |
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56 |
Free look up to the day before effective date |
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11.5 Refund of Premium. We hope You are satisfied with the coverage provided under this Plan. However, if this insurance does not meet Your requirements, please notify Us in writing prior to the Effective Date of Coverage to obtain a full refund. If a written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee of $35.00, provided no claim has been submitted to Us for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate. |
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57 |
Free look up to the day before effective date |
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11.5 Refund of Premium. We hope You are satisfied with the coverage provided under this Plan. However, if this insurance does not meet Your requirements, please notify Us in writing prior to the Effective Date of Coverage to obtain a full refund. If a written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee of $35.00, provided no claim has been submitted to Us for reimbursement. Additionally, no refund will be made after a claim has been denied or not paid. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
58 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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59 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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60 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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61 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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62 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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63 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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64 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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65 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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66 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of: a) 14 days from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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67 |
Free look up to 10 days after purchase |
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OUR PROMISE TO YOU Since your satisfaction is our priority, we are pleased to give you ten (10) days to review your policy. If, during this ten (10)-day period, you are not completely satisfied for any reason, you may cancel your policy and receive a full refund. Please note that this refund is only available if the covered trip has not started and if a claim has not been initiated. After this ten (10)-day period, your premium is nonrefundable. |
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68 |
Free look up to 10 days after purchase |
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OUR PROMISE TO YOU Since your satisfaction is our priority, we are pleased to give you ten (10) days to review your policy. If, during this ten (10)-day period, you are not completely satisfied for any reason, you may cancel your policy and receive a full refund. Please note that this refund is only available if the covered trip has not started and if a claim has not been initiated. After this ten (10)-day period, your premium is nonrefundable. |
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69 |
Free look up to 14 days after purchase |
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FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation within 14 days from the date Your Policy is purchased. If You have not yet departed on Your Trip and You have not filed a claim under the Policy, We will refund Your premium paid. After this 14 day free look, the payment for this Policy is non-refundable, except in the following circumstances: a. The Travel Supplier cancels or changes the dates of Your Covered Trip and all penalties are waived; In the event of a. above, Your premium will be refunded on a pro rata basis. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
70 |
Free look up to 14 days after purchase |
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FOURTEEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy. |
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71 |
Free look up to 14 days after purchase |
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14 Day Free Look Period If You are not satisfied for any reason, You may cancel this policy within 14 days of the Effective Date of Your coverage by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. INCORPORATION PROVISION: The provisions of this policy and all amendments to this policy, after its effective date, are made part of this policy. |
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72 |
Free look up to 14 days after purchase |
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14 Day Free Look Period If You are not satisfied for any reason, You may cancel this policy within 14 days of the Effective Date of Your coverage by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
73 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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74 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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75 |
Free look up to 15 days after purchase |
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FIFTEEN DAY LOOK: You may cancel this insurance by giving the Company or the agent written notice within the first to occur of the following: a) 15 days from the Effective Date of your insurance; or b) your scheduled Departure Date. If you do this, the Company will refund your premium paid provided no insured has filed a claim under this Policy. |
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76 |
Free look up to 15 days after purchase |
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FREE LOOK PERIOD: The Insured may cancel this insurance by giving the Company or the agent notice within the first to occur of the following: (a) 15 days from the purchase date of the insurance; or (b) the day before the scheduled Departure Date. If this insurance is cancelled, the Company will promptly refund the premium paid provided no Insured has filed a claim under this policy. If a claim is filed during the free look period, the insurance cannot be cancelled and the premium cannot be refunded, regardless of whether the claim is ultimately paid. After the free look period, the insurance is non-cancellable and the premium is non-refundable. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
77 |
Free look up to 14 days after purchase |
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14 Day Look Period If You are not satisfied for any reason, You may cancel this policy within 14 days of the Effective Date of Your coverage by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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78 |
Free look up to 14 days after purchase |
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14 Day Look Period If You are not satisfied for any reason, You may cancel this policy within 14 days of the Effective Date of Your coverage by providing Us or Our authorized representative the cancellation notice. We will refund Your premium provided there has been no incurred loss; You have not departed on Your Trip or filed a claim under this policy. When so returned, all coverages under this policy are invalid from the beginning. |
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79 |
Free look up to 14 days after purchase |
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FOURTEEN DAY LOOK: If You are not satisfied for any reason, You may cancel insurance under this Policy by giving the Company or the agent written notice within the first to occur of the following: (a) 14 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date. If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
80 |
Safe Travels International excl US Free look up to the day before effective date |
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CANCELLATION AND REFUND PROCEDURE PROVISIONS Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the coverage. If We receive a written request for cancellation and refund after the Effective Date of coverage, a partial cancellation and refund may be allowed. The following conditions apply: a) If any claims have been filed with Us, the premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only unused days premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety. |
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81 |
Safe Travels International Cost Saver excl US Free look up to the day before effective date |
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CANCELLATION AND REFUND PROCEDURE PROVISIONS Full cancellation and refund will only be considered if written request is received by Us prior to or on the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only full month premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety. |
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82 |
Free look up to the day before effective date |
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CANCELLATION AND REFUND PROCEDURE PROVISIONS Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the coverage. If We receive a written request for cancellation and refund after the Effective Date of coverage, a partial cancellation and refund may be allowed. The following conditions apply: a) If any claims have been filed with Us, the premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only unused days premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety. |
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83 |
Safe Travels USA Comprehensive Free look up to the day before effective date |
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CANCELLATION AND REFUND PROCEDURE PROVISIONS Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the coverage. If We receive a written request for cancellation and refund after the Effective Date of coverage, a partial cancellation and refund may be allowed. The following conditions apply: a) If any claims have been filed with Us, the premium is fully earned and is non-refundable; b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only unused days premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety. |
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84 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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85 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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86 |
Free look up to 10 days after purchase |
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All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due. |
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87 |
Free look up to 10 days after purchase |
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All premium is non-refundable after a ten (10) day review period from the date of purchase in the event You have not incurred any claims during that time. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due. |
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88 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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89 |
Free look up to 10 days after purchase |
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All premium is refundable only during the ten (10) day review period from the date of purchase (or from the date of receipt if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
90 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of 14 days: a) from the date Your Policy is purchased; or b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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91 |
Free look up to 14 days after purchase |
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FOURTEEN DAY FREE LOOK You may cancel insurance under the Policy by giving Our Administrator or Us written notice of cancellation on the earlier of 14 days: (a) from the date Your Policy is purchased; or (b) prior to Your Scheduled Departure Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
92 |
Free look up to the day before effective date |
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We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium. Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions: a. A $25 cancellation fee will apply for administrative costs incurred by us; and b. Only the prorated portion of the premium will be refunded; andc. You cannot have filed any claims to be eligible for a premium refund. |
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93 |
Free look up to the day before effective date |
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Cancellation We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium. Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions: a. A $25 cancellation fee will apply for administrative costs incurred by us; and b. Only the prorated portion of the premium will be refunded; andc. You cannot have filed any claims to be eligible for a premium refund. |
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94 |
Atlas Premium International excl US Free look up to the day before effective date |
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CANCELLATION We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium. Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions: a. A $25 cancellation fee will apply for administrative costs incurred by us; and b. Only the prorated portion of the premium will be refunded; andc. You cannot have filed any claims to be eligible for a premium refund. |
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95 |
Free look up to the day before effective date |
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CANCELLATION We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium. Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions: a. A $25 cancellation fee will apply for administrative costs incurred by us; and b. Only the prorated unused portion of the premium will be refunded; andc. You cannot have filed any claims to be eligible for a premium refund. |
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96 |
Free look up to 15 days after purchase |
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All premium is refundable only during the fifteen (15) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If you depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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97 |
Free look up to 15 days after purchase |
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All premium is refundable only during the fifteen (15) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If you depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
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98 |
Free look up to 15 days after purchase |
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All premium is refundable only during the fifteen (15) day review period from the date of Policy purchase (or from the date of receipt, if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If you depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure. |
Benefits
Additional Information