Visitors to Canada Insurance - Premium Refund
Requests for premium refunds due to non-arrival can be submitted for consideration as long as this insurance has not been issued as part of the requirements necessary to obtain or maintain a visitor visa, in which case proof of visa refusal or withdrawal of the visa application must be provided.
You can cancel your insurance and obtain a partial refund of the unused premium amount when you provide proof that you are covered under a GHIP; or with proof of return to your country of origin provided that there has been no claim paid or denied.
If you are applying for a partial refund and a claim has been paid or denied, you may apply to have such claim(s) withdrawn. The amount of claim(s) paid will be deducted from the refund amount plus a file handling fee of $300 per claim will also be deducted. A denied claim will be subject to a file handling fee of $500 per claim. The file handling fee and any other adjustments will be deducted from any amount to be refunded.
If you become eligible for coverage under a GHIP, 21st Century will consider your cancellation request from the date we receive acceptable proof. Such requests cannot be backdated because this insurance policy provides Insured Services and other benefits that are not provided by government health insurance.
If you return to your country of origin, 21st Century will consider refunding back to that date up to a maximum of 60 days, but if your cancellation request is received more than 30 days following the date you returned to your country of origin, 21st Century will require acceptable proof that you did not visit Canada between the date you returned to your country of origin and the date you submitted your cancellation request. 21st Century reserves the right to refuse to go back more than 60 days prior to the date we receive the request and acceptable proof.
If you leave Canada but spend time in a country covered under the ?Side-Trips Outside of Canada? provision, you must advise 21st Century prior to exiting Canada if you do not want to be covered in that other country. Failure to notify 21st Century prior to your exit date will result in premium being retained to cover all or part of that side trip.
Once any claim(s) has (have) been withdrawn to apply for a premium refund or refund of premium has been requested for any other reason stated above, no further expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred.
All refunds are subject to approval by 21st Century and we reserve the right to refuse any refund request. All refunds are subject to the minimum premium of $25. Refunds will be credited to the same credit card used to charge the premium.
