Understand your SafeTrip cancellation, modification and refund options

We know travel plans can change, and we’re here to help you understand how you can make modifications to an existing SafeTrip travel insurance policy or under specific instances how to cancel your policy and request a refund.

What to know about the free look period

When you purchase a SafeTrip plan, you can cancel and receive a refund during what's known as the “free look period.” The timing and rules are different for each plan type.

For International Travel Medical plans, your coverage starts when you depart for your trip.

If you decide to cancel, you can get a full refund as long as:

  • You cancel prior to your scheduled departure date for your trip.
     

Example: If your travel start date is August 1, you have up to July 31 to review and cancel for a full refund.

Important to note: You must not have started your trip or submitted any claims. If these conditions are met, your policy will be cancelled and treated as if it was never active.

For International Travel Medical Plus and Travel Protection plans, your policy starts the day after you buy it.

You can get a full refund only if:

  • You can cancel within 30 days of your policy start date, which is the day after you purchase; and
  • You cancel prior to the scheduled departure date for your trip; and
  • You haven't submitted any claims, including trip cancellation claims.

Example: If you purchased your plan less than 30 days ago, your departure date is in two weeks and you cancel the day before your departure date without having submitted a claim for trip cancellation, you're eligible for a refund.

Important to note: You must not have started your trip or submitted any claims, including for trip cancellations. If these conditions are met, your policy will be cancelled and treated as if it was never active.

Requesting a refund

Refunds are only available in the following scenarios:

  • Before your trip begins if you purchased an International Travel Medical plan
  • Within 30 days of purchasing an International Travel Medical Plus plan if your trip has not begun and you have not submitted a claim. 

If you cancel your policy before your departure date within the free look back period and haven’t made a claim, you can get your money back. 

Before requesting a refund, please ensure to review your policy language. If you’re unsure whether you’re eligible for a refund or not, please contact our support team.

Refunds can only be requested by the person who purchased the policy. 

No changes to your policy after your trip starts

Once you have departed for your trip, you can’t make changes to your coverage dates. This means you won’t be able to extend or shorten your trip coverage after departure.

Making changes before your trip starts

If you haven't already departed for your trip, you may be able to adjust your coverage dates depending on your plan. For example, if you bought an International Travel Medical plan and decide to return home earlier than planned, you can shorten your coverage before you depart on your trip.

The easiest way to make any changes to your plan is by contacting our support team. They will help you modify your SafeTrip policy over the phone and directly send you an updated policy document. All you need to confirm are your updated travel dates and make sure that no claims have been filed prior to you making any changes.

Frequently asked questions

No, refunds are not available once you have departed on your trip or if you have made any claims prior to your departure including trip cancellation claims. For example, if you have departed on your trip on August 1 and you cancel on August 2, you won’t be eligible for a refund.

You can cancel your policy and get a full refund if you’re still within the 30-day review period and haven’t started your trip or filed a claim.

No, once you have departed on your trip, you cannot extend or change your coverage dates. All changes must be made before your trip begins.

You can shorten your coverage only until the day before your departure. Once your trip has begun, changes to coverage dates are not allowed.

The SafeTrip support team is here to help you through the process. Feel free to reach out to us with questions.

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If you have questions, need help choosing a plan or are covering a large group of people, please reach out to our information and sales team.