REFUNDS

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When NO travel has taken place, and the request for refund is received BEFORE the policy's effective date, a FULL refund is available.

When NO travel has taken place, and the request for refund is received AFTER the effective date of the Policy, a full refund is available within 10 DAYS from the application date of the Policy; or,

A refund less an administration fee is available when the request for a refund is received more than 10 DAYS after the application date of the Policy but within 90 DAYS after the policy's expiry date.

When travel has taken place, a PARTIAL refund, less an administration fee, is available. Refunds are calculated as follows:

From the date the cancellation request is submitted to us, whether or not you have returned to your country of permanent residence or you became eligible and/or covered under a provincial or territorial government health care plan during the period of coverage; or,

From the date you return to your country of permanent residence if satisfactory proof of return is sent to us and the request is received by us within 90 DAYS after the expiry date of the Policy; or,

From the date you become eligible and/or covered under a provincial or territorial government health care plan during the period of coverage if satisfactory proof of the provincial or territorial government health care coverage is sent to us and the request is received by us within the 90 DAYS after the date you became eligible.

Applicable to 365-DAY Policies with a sum insured of $100,000 or more (Super Visa Policies):

A refund is available, subject to a $250 cancellation fee, provided no travel has taken place. For cancellation after the effective date of the Policy, the request must be received within 90 days after the expiry date of the Policy; or,

If a Super Visa application was denied, a full refund is available before the policy's effective date, or a refund less an administration fee is available after the policy's effective date, provided the request is received within 90 DAYS after the expiry date of the Policy. Supporting documentation must be sent to us.