If you opted for a Monthly Payment Plan, you can request to have your insurance cancelled when your travel visa application is denied by IRCC, you formally withdraw your application or you leave Canada before the expiry date of your insurance. You can also apply for a refund when your provincial insurance coverage begins, provided you are eligible.
A $25 cancellation fee per person will apply when cancelling insurance due to early departure or provincial health care coverage eligibility.
1) For refused visa application, the 21 Century requires a copy of the refusal letter. Your deposit premium of 2 monthly installments is refunded, but the insurance company retains the $50 administration fee.
2) For formally withdrawn applications, you will need to provide a proof of withdrawal. Your deposit premium of 2 monthly installments is refunded, but 21 Century retains the $50 policy fee.
3) If you leave Canada early or receive provincial insurance benefits, the 21 Century will need a copy of the boarding pass or coverage enrollment letter for each person insured confirming their reason for cancellation. Only full unused monthly premiums will be refunded. Please see clarification below:
Any full unused monthly premiums you have paid are refundable i.e. 2 monthly premiums you pay in the beginning to set up the policy, provided:
– A person is NOT insured for any part of a month (even 1 day), otherwise that month becomes non-refundable.
– An insured person DOES NOT leave Canada any time within the first 2 (two) months of arriving, otherwise the 21 Century will retain the two months payment as a minimum premium but any other full and unused monthly premium payments you have made will be refunded.
Please note that with a monthly payment plan, the 21 Century does not restrict refunds to “no-claims” policies. If you have a claim on your monthly payment insurance policy you can apply for a premium refund with an eligible reason from the above.