What is Money Back Guarantee travel insurance?

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.

Looking for a policy with 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.

Quote & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3

Money Back Guarantee by Provider

Last Updated: 03/14/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Trip Cancellation

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
2

Go Ready Choice

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
Arch RoamRight Arch RoamRight
Policy Name and Summary of Coverage
3

Pro

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
4

Pro Plus

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
AXA Assistance USA AXA Assistance USA
Policy Name and Summary of Coverage
5

Silver

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
6

Gold

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
7

Platinum

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
battleface battleface
Policy Name and Summary of Coverage
8

Discovery Plan

Free look up to 10 days after purchase

OUR PROMISE TO YOU
FREE LOOK PERIOD

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.

Read Hide Full Policy Wording
Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
9

ExactCare

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
10

ExactCare

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
11

ExactCare Value

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
12

ExactCare Value

Free look up to 15 days after purchase

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 scheduledDeparture 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.

Read Hide Full Policy Wording
13

LuxuryCare

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
14

LuxuryCare

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
15

ExactCare Lite

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
16

ExactCare Lite

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
Cat 70 Cat 70
Policy Name and Summary of Coverage
17

Travel Plan

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
Detour Insurance Detour Insurance
Policy Name and Summary of Coverage
18

@the edge

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
19

@the edge plus

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
Generali Global Assistance Generali Global Assistance
Policy Name and Summary of Coverage
20

Standard

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
21

Preferred

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
22

Premium

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
GeoBlue GeoBlue
Policy Name and Summary of Coverage
23

Voyager Choice excl US

Free look up to the day before effective date

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
• If You have departed on your Trip: or
• If any claims have been filed with Us.

In these circumstances, the premium charged is fully earned and is non-refundable.

Read Hide Full Policy Wording
24

Voyager Essential excl US

Free look up to the day before effective date

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
• If You have departed on your Trip: or
• If any claims have been filed with Us.

In these circumstances, the premium charged is fully earned and is non-refundable.

Read Hide Full Policy Wording
25

Trekker Choice excl US

Free look up to the day before effective date

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.
- The refund will be calculated in a pro-rata basis: refund = total premium paid * (unused months/12)

All cancellations of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant.

Read Hide Full Policy Wording
26

Trekker Essential excl US

Free look up to the day before effective date

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.
- The refund will be calculated in a pro-rata basis: refund = total premium paid * (unused months/12)

All cancellations of coverage must be in writing or received telephonically or electronically by Us from the Eligible Participant.

Read Hide Full Policy Wording
Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
27

Diplomat America

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
28

Diplomat International

Free look up to the day before effective date

Refund of Plan Cost – A refund of the plan cost, 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, the plan cost is considered fully earned and non-refundable. Partial refunds are not available.

Read Hide Full Policy Wording
29

Diplomat LT excl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
30

Diplomat LT incl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
31

TravelGap Voyager excl US

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
32

TripProtector Preferred

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
33

TravelGap Excursion excl US

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
34

TripProtector Economy

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
35

TripProtector Classic

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
IMG IMG
Policy Name and Summary of Coverage
36

iTravelInsured Travel Lite

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
37

iTravelInsured Travel SE

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
38

Patriot America Plus

Free look up to 3 days after purchase

(13) CANCELLATION BY INSURED PERSON:

The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

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:

i) a cancellation fee of fifty dollars ($50.00 USD) will be charged regardless of the reason for cancellation

ii) only Premium covering time periods after cancellation are refundable

Read Hide Full Policy Wording
39

iTravelInsured Travel LX Basic

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
40

iTravelInsured Travel Sport

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
41

iTravelInsured Travel Essential

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
42

Patriot America Platinum

Free look up to 3 days after purchase

(13) CANCELLATION BY INSURED PERSON:

The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium
paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

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:
(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged regardless of the reason for cancellation
(ii) only Premium covering time periods after cancellation are refundable

Read Hide Full Policy Wording
43

Patriot America Lite

Free look up to 3 days after purchase

(13) CANCELLATION BY INSURED PERSON: \

The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

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:
(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged regardless of the reason for cancellation
(ii) only Premium covering time periods after cancellation are refundable

Read Hide Full Policy Wording
44

Patriot International Lite

Free look up to 3 days after purchase

(13) CANCELLATION BY INSURED PERSON:

The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

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:

(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged regardless of the reason for cancellation

(ii) only Premium covering time periods after cancellation are refundable

Read Hide Full Policy Wording
45

Patriot International Platinum

Free look up to 3 days after purchase

(13) CANCELLATION BY INSURED PERSON:

The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

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:

(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged

(ii) only Premium covering time periods after cancellation are refundable

Read Hide Full Policy Wording
John Hancock Insurance Agency, Inc. John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
46

Bronze

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
47

Silver

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
48

Gold

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
MedjetAssist MedjetAssist
Policy Name and Summary of Coverage
49

Annual Membership

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
50

MedjetAssist Extended Stay

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
51

MedjetAssist Short Term Plan

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
Nationwide Mutual Insurance Company Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
52

Essential

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
53

Prime

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
54

Cruise Universal

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
55

Cruise Choice

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
56

Cruise Luxury

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
Seven Corners Seven Corners
Policy Name and Summary of Coverage
57

Trip Protection Choice

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
58

Trip Protection Economy

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
59

Trip Protection Elite

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
60

Trip Protection Basic

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
61

Travel Medical Basic incl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
62

Travel Medical Basic excl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
63

Travel Medical Choice excl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
64

Travel Medical Choice incl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
Tin Leg Tin Leg
Policy Name and Summary of Coverage
65

Economy

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
66

Economy

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
67

Standard

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
68

Standard

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
69

Luxury

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
70

Luxury

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
71

Adventure

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
72

Adventure

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
73

Gold

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
74

Basic

Free look up to 10 days after purchase

OUR PROMISE TO YOU
FREE LOOK PERIOD

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.

Read Hide Full Policy Wording
75

Platinum

Free look up to 10 days after purchase

OUR PROMISE TO YOU
FREE LOOK PERIOD

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.

Read Hide Full Policy Wording
76

Silver

Free look up to 14 days after purchase

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;
b. Your death.

In the event of a. above, Your premium will be refunded on a pro rata basis.

Read Hide Full Policy Wording
Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
77

Worldwide Trip Protector Plus

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
78

Worldwide Trip Protector

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
79

Worldwide Trip Protector Edge

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
Travelex Insurance Services Travelex Insurance Services
Policy Name and Summary of Coverage
80

Travel Basic

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
81

Travel Basic

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
82

Travel Select

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
83

Travel Select

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
84

Flight Insure

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
85

Flight Insure

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
86

Flight Insure Plus

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
87

Flight Insure Plus

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
Trawick International Trawick International
Policy Name and Summary of Coverage
88

Safe Travels International excl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
89

Safe Travels International Cost Saver excl US

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
90

Safe Travels USA Cost Saver

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
91

Safe Travels USA Comprehensive

Free look up to the day before effective date

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.

Read Hide Full Policy Wording
92

Safe Travels Single Trip

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
93

Safe Travels First Class

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
94

Safe Travels Annual Deluxe

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
95

Safe Travels Annual Basic

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
96

Safe Travels Explorer

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
97

Safe Travels Journey

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
98

Safe Travels Voyager

Free look up to 10 days after purchase

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.

Read Hide Full Policy Wording
99

Safe Travels Protect

Free look up to 14 days after purchase

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 circumstance:

a) The Travel Supplier cancels or changes the dates of Your Covered Trip and all penalties are waived;
b) Your death.

In the event of a. or b. above, Your premium will be refunded on a pro rata basis.

Read Hide Full Policy Wording
100

Safe Travels Defend

Free look up to 14 days after purchase

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 circumstance:

a. The Travel Supplier cancels or changes the dates of Your Covered Trip and all penalties are waived;
b. Your death.

In the event of a. or b. above, Your premium will be refunded on a pro rata basis.

Read Hide Full Policy Wording
101

Safe Travels Armor

Free look up to 14 days after purchase

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 circumstance:

a. The Travel Supplier cancels or changes the dates of Your Covered Trip and all penalties are waived;

b. Your death.

In the event of a. or b. above, Your premium will be refunded on a pro rata basis.

Read Hide Full Policy Wording
USI Affinity Travel Insurance Services USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
102

Ruby

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
103

Diamond

Free look up to 14 days after purchase

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.

Read Hide Full Policy Wording
WorldTrips WorldTrips
Policy Name and Summary of Coverage
104

Atlas International excl US

Free look up to the day before effective date

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; and

c. You cannot have filed any claims to be eligible for a premium refund.

Read Hide Full Policy Wording
105

Atlas America incl US

Free look up to the day before effective date

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; and

c. You cannot have filed any claims to be eligible for a premium refund.

Read Hide Full Policy Wording
106

Atlas Premium International excl US

Free look up to the day before effective date

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; and

c. You cannot have filed any claims to be eligible for a premium refund.

Read Hide Full Policy Wording
107

Atlas Premium America incl US

Free look up to the day before effective date

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; and

c. You cannot have filed any claims to be eligible for a premium refund.

Read Hide Full Policy Wording
108

Atlas Journey Economy

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
109

Atlas Journey Preferred

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording
110

Atlas Journey Premier

Free look up to 15 days after purchase

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.

Read Hide Full Policy Wording