Refund Policy

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It`s very important that our customers read and understand their travel insurance policy before they travel. This is why our travel insurance plans feature a 10-day review period.  The 10-day review begins on the date that you receive your policy contract to your inbox via email.

If you are not satisfied with the coverage you have purchased, we will refund your insurance premium if you decide to cancel your policy within 10 days of purchase, as long as you haven`t already filed a claim or left on your trip.

Feel free to contact us at 1-855-933-7462 if you have any questions!


The following terms and conditions apply, in addition to the Terms of Use (provided by each Supplier), to all products, services and information provided by IS AGENT ONLY – SUPPLIERS ULTIMATELY RESPONSIBLE acts only as an agent for travel insurance companies (the “Suppliers”). All products and services provided by the Suppliers are subject to the terms and conditions established by the Suppliers and may be changed without notice at any time. To the extent reasonably possible, will assist the Customer in dealing with Suppliers, but the ultimate responsibility for Supplier`s products and services is with the Supplier and beyond`s control.


Please see the terms and conditions of the particular Supplier including their refunds policy.  Each of the various Suppliers provides and administers their policies and procedures and any resultant fees attributed to the financing of their monthly payment provision.


In addition to the terms and conditions contained herein, the Customer agrees to all applicable terms and conditions of any particular products or services. By accepting receipt of any coupons, exchange orders, receipts, contracts, the Customer understands and accepts the applicable terms and conditions. selects the Suppliers based primarily on the value they will provide to Customers, but cannot control the Suppliers` terms and conditions beyond the initial selection process.

NO WARRANTIES provides Suppliers` products and services on an “as is” and “as available” basis. makes efforts to ensure that the products and services offered by the Suppliers is consistent with the descriptions, photographs, illustrations and pictures provided, however, the descriptions, photographs, illustrations and pictures do not in any way whatsoever constitute are presentation, warranty or guarantee that products and services offered are as described or otherwise depicted.


The information on this website is intended for general information and as an aid to understanding the products available through It is not designed to provide specific financial, legal, insurance, investment or accounting advice.

This website contains information about coverages offered by but is not intended to list all the conditions and exclusions that apply to described coverages. Complete provisions, exclusions and limitations are set out in policy wording booklets, declarations and other insurance documents.`s products are only available in the Canadian jurisdictions where they may be legally provided.

The products and services described on this website may change without notice. To ensure you have the most current and complete information, or if you have any questions, please contact


When the Customer purchases insurance on the website, the Customer is the only one responsible for choosing the trip insurance whose presentation and description belong exclusively to the Suppliers. shall not be held responsible for the accuracy of the information supplied by the Suppliers. If the Customer wishes to be given advice regarding his or her choice, he or she may contact by phone at 1-855-933-7462. will then answer any questions Customers may have and assist with any specific travel insurance concerns brought to our attention.

However, the Customer is responsible to ensure that he or she has taken all necessary steps to ensure the information provided for travel insurance application(s) for any individual Customer. The Customer may find the information on the website pages useful, but these may not deal with any particular requirements of the individual Customer or the travel destination: and its affiliates, agents, representatives and employees assume no responsibility and shall not be liable for any loss or damages, to person or property, howsoever caused except as a result of the negligence of and its affiliates, agents or employees in performing its obligations as travel insurance agent.

Without limiting the generality of the foregoing, and its affiliates, agents, employees and representatives assume no responsibility and shall not be liable for any loss or damages arising from:

Insufficient or unacceptable passport, visa and other travel documentation;

Denial of entry or the detention or delay caused by any governmental authority;

Customer`s failure to observe and comply with all rules, regulations and requirements of Suppliers ,including without limitation those relating to smoking;Customer`s or Suppliers`failure to comply with or changes to any government law or regulation;

Customer`s failure to provide accurate personal information or correct travel requirements at time of booking the insurance (eg. Name as it appears on travel documents, correct travel dates, etc.)

Weather, fires, quarantines or other public health advisories, or other natural or national disasters;

Strikes, lock-outs or bankruptcies relating to or disrupting the product or service delivery of any Supplier;

Wars, riots, safety advisories or other civil unrest; Any other cause whatsoever beyond the reasonable control of


All prices, rates and premiums are in Canadian currency, unless otherwise expressly stated, and are in effect at the time of publication only and are subject to change without notice. reserves the right to change any price, rate or premium without notice at any time prior to date of travel, stay, attendance or use, as the case may be, due to changes in currency exchange rates, applicable tariffs, taxes, or surcharges which may be imposed by the Suppliers.

Unless otherwise expressly stated, all prices, rates and fares exclude all applicable sales taxes, and any other taxes or surcharges which may be imposed by the Suppliers. Upon the request of, all customers agree to provide a duly signed credit card authorization for any credit card purchase(s).


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