8 AM-9 PM CST. Mon-Fri
8 AM-5 PM CST. Sat-Sun
After Effective Date: Refund for fully unused months as long as there are no claims on file since the effective date. There is a $25 cancellation fee. 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 entirely.
NOTE: All cancellation fees, if any, are charged by the insurance company. There are no additional cancellation fees (or any other fees) charged by Insubuy®.
In the email message, please mention
- the certificate number (also called ID number)
- names(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. It can't be the current date or any previous date.
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 does not have access to the computer or the email to make a written request to cancel the insurance. I am the son/daughter of the insured and I have the necessary authorization to cancel their insurance. I am making a written cancellation request on their behalf.
You will receive an email confirmation once we receive your request. Please allow up around 7 to 10 business day 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.
The information within this article is intended as a broad summary of benefits and services and is meant for informational purposes only. The information does not describe all scenarios, coverages or exclusions of any insurance plan. The benefits and services of an insurance plan are subject to change. This is not your policy/certificate of insurance. If there is any discrepancy between the information in this article and the language of your policy/certificate wording, the language of the policy/certificate wording will prevail.