You Get A No Risk 100% Ironclad Money Back Smile of Satisfaction Guarantee
Wear The Smile of Satisfaction: Thoroughly examine your policy for up to 14 days. You must wear the Smile of Satisfaction, or it’s no sale. Can you ask more! There are no strings attached to it. Have your travel insurance up to 14 days. If you don’t want to keep it – if you would rather protect yourself another way – cancel the policy and get your money back (as long as it’s before your policy’s departure date and you have not filed a claim).
Gaston S., Raeford, North Carolina says, “I have never worked with a company that’s tried so hard to make me understand what I bought.”
We understand that buying any insurance is a risk
You Won’t Lose The Policy Fee If You Cancel Your Policy
Some policies have a non-refundable (from the insurance provider) administrative fee. However, that doesn’t mean you’ll lose the administrative fee. TripInsuranceStore.com will refund you the $5, $6, $7 or $8 non-refundable administrative fee if you cancel your policy. You have to ask us for the refund because the companies never tell us who cancels under the Free Look Period. We will cheerfully send you your administrative fee refund.
Travel Insurance Policy Refund / Free Look Periods
All insurance contracts have a “Free Look Period”. This is the number of days you can examine your policy and decide to cancel it for a refund. You don’t have to give a reason to cancel your policy either. You just need to do it within the policy’s deadline as long as you have not filed a claim or left on your trip to get a refund.
Why can’t I cancel my travel insurance policy anytime and get a refund?
The reason is that when you buy travel insurance you are transferring the risk of losing money to the insurance company if something happens to you. Let’s say you get the policy one year before you leave. You never got hurt or sick, so you decide to cancel it the day before you leave. That’d be foolish of the insurance company to give you a refund trip because they carried your trip cancellation risk for a year.
It’s just like having auto insurance for years and wanting a refund on it because you never had an accident.
What do I do if my trip changes after the Free Look Period?
All the plans we offer will allow you to both change your travel dates to a new trip and let you decrease or increase your covered trip cost with the correct documentation. You must make the change before your original departure date. Plus, if you want to keep the pre-existing medical condition exclusion waiver, you’ll need to increase your trip cost by the deadline when incurring a higher non-refundable trip cost.
The key date to remember is the travel insurance policy’s purchase date. Here’s an example: You get a travel insurance policy on September 26th. You call us March 14th saying you canceled your trip, “I want a full refund on my policy”. You can’t get a refund. You can change the policy’s dates to cover a different trip.
You can’t return your policy for a refund if you’ve already left on your trip.
Here’s Each Company’s Policy Refund / Free Look Period:
|Provider (the link goes to our summary page)||Free Look Period|
|CSA Freestyle plans||10 calendar days (Indiana residents have 30 days)|
|Generali plans||10 calendar days|
|HTH Trip Protector plans||10 calendar days|
|IMG SE and LX||10 calendar days|
|TripAssure plans||14 calendar days|
|Travel Guard Preferred||14 calendar days|
|Travel Guard Plus||14 calendar days|
|Travel Insured plans||14 calendar days|
|TravelSafe Classic||10 calendar days|
PPS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know the coverage terms, conditions, limitations, and exclusions of your plan. No comments or explanations confirm or deny coverage. You need to refer to each plan's policy wording.
PPPS - The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.
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