REfund policy
Travel Insurance
Refund Process
Please download the appropriate Refund Request form found at the bottom section of this page.
If you become eligible for Canadian Provincial health care plan, provide a copy of approved document for a proof. Email us all your supporting document along with Refund Request form.
Contact us otherwise.
Refund amount will be reimbursed to you via the same method as your initial payment for the policy. For example, if you have purchased your policy using a credit card, the refund will be deposited back to the same credit card.
Otherwise, we will issue a cheque and send it to your address on profile by mail.
In the event you will need to leave Canada before you expect to receive your refund, please contact us for additional assistance.
Required Information
Download and fill out the refund request form and provide us with additional supporting document
- If you become eligible for Canadian provincial health care, send us a copy of your acceptance letter from the government.
- If you need to cancel your policy due to your early return to home country amid your coverage period, send us a copy of your flight itinerary.
- Please read more details about your provider's refund policy below.
- Administration fee may apply.
Refund Policy by Insurance Provider
AllianzRefund amounts less than the minimum premium ($30) will not be issued.
International Student:
Full Refunds
A full refund will be provided for policies which are returned within 10 days of purchase and your coverage has not started yet.
- The student fails to meet visa eligibility requirements.
- You return to your country of origin prior to the expiry date, without intending to return to Canada, 30 days or more before the expiry date.
- You become insured under a Canadian provincial or territorial health/medical plan.
Partial Refunds
Partial cancellations will be calculated by multiplying the daily premium by the actual number of days the policy was in effect; if this amount is less than the minimum premium required, the minimum premium will be used. This amount is then subtracted from the total premium paid.
Visitors to Canada:
Full Refunds
The entire trip is cancelled prior to the effective date.
Partial Refunds
- You return to your country of origin prior to the expiry date, without intending to return to Canada. Refunds are not payable for time spent in your country of origin between visits to Canada.
- You become insured under a Canadian provincial or territorial health/medical plan.
Tugo Refunds will not be issued if the amount is $10 or less per Policy.
Administration fee may apply.
International Student (or Companion):
Full Refunds
Refund requests must be submitted to TuGo within 45 days from the effective date.
- The entire Policy is cancelled prior to the effective date; or
- The entire Policy is cancelled after the effective date but no travel has taken place and the request is received within 10 days of the application date; or,
- You have not arrived to Canada or your country of study;
- You arrived in Canada or country of study, but entry into Canada or country of study is denied.
Partial Refunds
Requests for partial refunds must be received no later than 30 days after the expiry date of the Policy.
- You have returned permanently to your home country; or,
- You become eligible and covered under a provincial or territorial government health care plan (inbound students only).
Visitors to Canada
Full Refunds
- When no travel has taken place and the request for refund is received PRIOR to the effective date of the Policy, a full refund is available.
- A full refund is available within 10 days of the application date;
- A refund less an administration fee is available when the request for refund is received more than 10 days after the application date but no later than one year from the expiry date of the Policy.
- Refunds must be requested in writing.
Partial Refunds
You become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage.
Refunds must be requested in writing.
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