Why Estimate?
Estimate Your Refund Before You Cancel
Getting an estimate can help know if there is value in cancelling a policy or know if there is more value in keeping the policy for the remaining duration. Once a policy is cancelled it cannot be restored to an active state, estimating your refund before allows you to make an educated decision if you want to cancel your coverage.
The refund estimate will be calculated to the best of our ability with the information provided and currently available. The actual refund amount may vary. Additional terms and conditions may apply, in accordance with the certificate wording.
Refund Rules for Safe Travels Elite
Before or on Effective Date: Full refund
After Effective Date: Pro-rated refund as long as there are no claims filed since the effective date. There is a $50 cancellation fee. If refund due is less than the $50 cancellation fee, the insured person would need to pay the difference to cancel coverage.
Request must be made in writing. If it is determined that a claim was made after the refund has been returned then the insured person is fully responsible for that claim in its entirety.
Use of Wellness Visit benefit, if offered in the plan, would be considered a claim.
Cancellation effective from a future is date is not allowed. Insurance can be cancelled effective immediately only.
How to Cancel:You have the option to cancel via MyAccount or you can also cancel via email.
Procedures to Cancel via Email
Please submit written correspondence in English, requests made in other languages may be returned or delayed.
Send an email to: lecnac
In the email message, please mention:
- the certificate number (also called ID number)
- name(s) of the insured person(s)
- brief reason for cancellation
- effective date of the cancellation
The earliest that you can set the effective date of cancellation is the next day, the same is true for requesting monthly payments to be stopped. It can't be the current date or any previous date.
You will receive an email confirmation once we receive your request. Please allow around 7 to 10 business days to process the request. Once the request is processed, you will receive another email confirmation. Your refund, if any, will be made in exactly the same form that you used to originally pay for the insurance.
NOTE: All insurance companies prefer to receive such cancellation emails directly from the insured. However, if you are communicating on behalf of the insured, you must add the authorization similar to as follows:
"The insured doesn't have access to a computer or email to make a written request to cancel the insurance. I am the authorized person of the insured and I have the necessary authorization to cancel their insurance. I am making a written cancellation request on their behalf."
Procedures to Cancel via MyAccount
1.) Log In to MyAccount.
2.) Select the policy you would like to cancel and click on 'Cancel Policy'.
3.) Complete the required fields and submit the request.
There was a problem, please make the requested changes and submit again:
Estimate Refund
Certificate Number
Certificate Number is required.
Must only contain letters, numbers, or dashes.
Please enter valid certificate number.
This policy is not {{productName}}.
Certificate number cancelled or cancellation request pending.
Date of Birth
Primary Insured's Date of Birth
Date of Birth is required.
Please enter the Birth Date in the specified format.
Cancellation Date
Cancellation Date is required.
Please enter the date in the specified format.
Cancellation date must be after today.
Cancellation date must be before policy expiration date.
Estimate Your Refund Before You Cancel
Are you considering cancelling your insurance? Wondering how much your refund will be, if any? Enter the information on the form and get an estimate instantly.
The refund estimate will be calculated to the best of our ability with the information provided and currently available. The actual refund amount may vary. Additional terms and conditions may apply, in accordance with the certificate wording.
Refund Estimate Results
Refund estimate for this policy is not supported.
Refund Estimate Results
Plan Not Refundable
Your insurance plan is not refundable.
Your insurance plan is not refundable after the effective date of the policy.
Your insurance plan is not refundable because it is past the cancellation period.
Your insurance plan is not refundable but can cancel future installments.
Refund Estimate Results
Coverage Duration Remaining
{{refundDetails.duration}}
Eligible Duration for Refund
{{refundDetails.eligibleDuration}}
Refund for Left Over Duration
{{refundDetails.totalLeftOver | currency}}
Nonrefundable Amount
{{refundDetails.nonrefundableAmount | currency}}
Cancellation Fee
{{refundDetails.cancellationFee | currency}}
Estimated Refund
{{(refundDetails.totalRefund < 0 ? 0 : refundDetails.totalRefund) | currency}}
You Will Be Charged
{{Math.abs(refundDetails.totalRefund) | currency}}
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All cancellation fees, if any, are charged by the insurance company. There are no additional fees (or any other fees) charged by Insubuy®.