What is Money Back Guarantee?

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 search 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.

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3
April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Trip Cancellation Plan

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 Administrators 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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2

Choice

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 Administrators 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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3

Choice

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 Administrators 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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4

Annual Plan

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 Administrators 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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5

Pandemic Plus

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.

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Arch RoamRight
Arch RoamRight
Policy Name and Summary of Coverage
6

Essential

Free look up to 14 days after purchase

If You are not satisfied for any reason, You may return Your policy to RoamRight within 14 days after receipt. Your premium will be refunded, provided You have not already departed on the Trip or filed a claim. When so returned, all coverages under the policy are void from the beginning.

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7

Preferred

Free look up to 14 days after purchase

If You are not satisfied for any reason, You may return Your policy to RoamRight within 14 days after receipt. Your premium will be refunded, provided You have not already departed on the Trip or filed a claim. When so returned, all coverages under the policy are void from the beginning.

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
8

Silver

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.

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9

Gold

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.

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10

Platinum

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.

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Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC
Policy Name and Summary of Coverage
11

Beacon America incl US

Free look up to the day before effective date

15.1 CANCELLATION BY PARTICIPATING MEMBER-­‐ All cancellation requests must be submitted in writing to Azimuth Risk Solutions, LLC. To be eligible for a full refund, the request must be received before your requested effective date. Cancellation Requests received after the requested effective date will be subject to the following:

15.1.1 A $25.00 cancellation fee; and

15.1.2 only the unused portion of the premium cost will be refunded; and

15.1.3 no claims to be eligible for premium refund

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12

Beacon International excl US

Free look up to the day before effective date

15.1 CANCELLATION BY PARTICIPATING MEMBER-­‐ All cancellation requests must be submitted in writing to Azimuth Risk Solutions, LLC. To be eligible for a full refund, the request must be received before your requested effective date. Cancellation Requests received after the requested effective date will be subject to the following:

15.1.1 A $25.00 cancellation fee; and

15.1.2 only the unused portion of the premium cost will be refunded; and

15.1.3 no claims to be eligible for premium refund

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battleface
battleface
Policy Name and Summary of Coverage
13

Travel Medical Single Trip

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.

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14

Explorer

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.

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Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
15

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.

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16

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.

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17

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.

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18

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.

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Cat 70
Cat 70
Policy Name and Summary of Coverage
19

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.

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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.

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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

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.

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24

Voyager Essential

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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32

TripProtector Preferred

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.

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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.

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34

TripProtector Economy

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.

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35

TripProtector Classic

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.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
36

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.

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37

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.

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38

Travel LX

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.

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39

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.

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John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.
Policy Name and Summary of Coverage
40

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.

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41

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.

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42

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.

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MedjetAssist
MedjetAssist
Policy Name and Summary of Coverage
43

Annual Membership

No coverage

Medjet memberships are nontransferable and nonrefundable. By enrolling as a Member, you accept and agree to the terms and conditions of membership.

44

MedjetAssist Extended Stay

No coverage

Medjet memberships are nontransferable and nonrefundable. By enrolling as a Member, you accept and agree to the terms and conditions of membership.

45

MedjetAssist Short Term Plan

No coverage

Medjet memberships are nontransferable and nonrefundable. By enrolling as a Member, you accept and agree to the terms and conditions of membership.

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
46

Essential

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.

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47

Prime

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.

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
48

RoundTrip 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
49

RoundTrip 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.

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50

RoundTrip 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.

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51

RoundTrip International

Free look up to 10 days after purchase

Ten Day Free Look

You may cancel insurance under the Certificate by giving the Administrator written notice within ten (10) days from the Effective Date of Coverage. If You do this, the Administrator will refund Your premium paid, provided You have not filed a claim under the Certificate.

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52

Liaison Travel Choice excl US

Free look up to the day before effective date

Refund of Premium.

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If 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 $25.00, provided no claim has been submitted to the Administrator 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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53

Liaison Travel Basic excl US

Free look up to the day before effective date

Refund of Premium.

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If 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 $25.00, provided no claim has been submitted to the Administrator 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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54

Liaison Travel Plus excl US

Free look up to the day before effective date

11.5 Refund of Premium.

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator 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

Wander Frequent Traveler Plus excl US

Free look up to the day before effective date

Refund of Premium

Refund of the premium will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. Upon refund, neither the Company nor You shall have any further rights, liabilities, or obligations under this Certificate.

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56

RoundTrip 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.

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
57

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.

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58

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.

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59

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.

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60

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.

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61

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.

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62

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.

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63

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.

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64

USA Only

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.

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65

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.

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Travel Insured International
Travel Insured International
Policy Name and Summary of Coverage
66

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.

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67

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.

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Travelex Insurance Services
Travelex Insurance Services
Policy Name and Summary of Coverage
68

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.

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69

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.

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70

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.

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TravelSafe
TravelSafe
Policy Name and Summary of Coverage
71

Basic

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.

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72

Classic

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.

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73

Classic 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.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
74

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 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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75

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 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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76

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 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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77

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 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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78

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.

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79

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.

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80

Safe Travels Outbound excl US

No coverage

This policy does not include a money back guarantee.

81

Safe Travels Outbound Cost Saver excl US

No coverage

This policy does not include a money back guarantee.

82

Safe Travels Annual Executive

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.

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83

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.

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84

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.

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85

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.

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86

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.

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87

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.

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88

Safe Travels Explorer 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.

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USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
89

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.

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90

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.

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WorldTrips
WorldTrips
Policy Name and Summary of Coverage
91

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 unused portion of the plan cost will be refunded; and

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

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92

Atlas America incl 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 unused portion of the plan cost will be refunded; and

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

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93

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 unused portion of the plan cost will be refunded; and

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

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94

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 unused portion of the plan cost will be refunded; and

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

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