Cancellation Aon: Easy Method

What is Aon

1. Overview

Aon is a global professional services firm providing risk management, insurance broking and consulting. In Canada Aon operates multiple specialized programs (affinity travel insurance, event insurance for schools, colleges and churches, group benefits and more) where cancellation and refund terms are set per program rather than by a single universal rule.

2. How to cancel Aon

Cancellation procedures vary by program. Below are practical steps to follow so your request is handled correctly and promptly.

• Locate your program page or FAQ (example program pages: Ontario School Board FAQ, Ontario Colleges FAQ, Church Events FAQ) and note the stated cancellation window and any fees.
• Request cancellation before the policy’s coverage effective date if you want a full premium refund (program FAQs indicate a full refund is available if cancelled prior to the effective date, but a $10 administration fee and applicable tax are non-refundable).
• If the program requires a written cancellation or you want proof of delivery, follow the FAQ contact instructions; if you prefer registered mail for formal complaints or cancellations you can send it to the address below (international complaints address): Aon S.p.A. - Ufficio Reclami, Via E. Calindri, 6 - 20143 Milano (MI), Italia.
• Keep copies of your policy number, purchase receipt, cancellation request (date-stamped), and any confirmation from Aon.

3. What happens when you cancel

When a cancellation is processed before the coverage effective date, the coverage will not take effect and the insurer will typically reverse the premium charge subject to program terms. If cancelled after the policy is effective, coverage ends only from the cancellation date but premiums may be considered fully earned per the program and not refundable. Cancellation may affect your ability to file future claims for incidents occurring after cancellation. Aon or the insurer may retain certain records for regulatory, audit or claims purposes even after cancellation.

4. Will I get a refund?

Refund eligibility depends on the specific Aon program. For several event programs (Ontario School Board, Ontario Colleges, Church Events) Aon’s FAQs state that if you cancel before the coverage effective date you are entitled to a full premium refund except the $10 administration fee and any applicable tax are not refundable. For some programs (for example, Church Events) the FAQ explicitly states that once the coverage effective date has passed premiums are fully earned and no refunds are permitted. Always check the FAQ or policy wording for the program you purchased.

5. Aon plans and pricing

6. Your consumer rights in Canada

Canadian consumer protection does not create a single national 14‑day statutory “cooling‑off” right that applies to all insurance purchases. According to the program FAQs reviewed, Aon Canada’s cancellation and refund rules are program‑specific and do not advertise a universal 14‑day cooling‑off period. If you believe a provincial consumer protection law or the terms of a specific contract provide additional rights, consult the relevant provincial statute or a legal advisor; otherwise rely on the program’s stated FAQ and policy wording.

7. Customer experiences

Public reviews of Aon services are mixed. Some reviewers for Aon’s travel-affinity practice report efficient claims handling and prompt refunds (reported Trustpilot score ~4.8/5 for a specific travel practice). Other listings and review sites show substantial negative feedback - complaints about slow or unhelpful customer service, difficulty obtaining refunds, and claim denials (multiple Trustpilot and Sitejabber pages show low ratings). These differing experiences suggest performance varies by product, claims circumstances and the handler involved - check recent reviews for the specific product you bought.

8. Documentation checklist

• Policy number or certificate of insurance
• Proof of purchase / receipt and effective coverage date
• Written cancellation request with date (email or letter)
• Bank or payment details for refund (if requested)
• Copies of any previous communications with Aon (emails, confirmations, call reference numbers)

9. Common mistakes

Common errors include waiting until after the coverage effective date to request cancellation (many programs only permit refunds if cancelled beforehand), failing to include the policy number or proof of purchase with the cancellation request, and assuming a universal 14‑day cooling‑off right applies. Another frequent problem is relying on generic customer-service contact channels instead of following the program‑specific cancellation instructions on the FAQ or policy page, which can delay processing.

10. Comparative recap

11. After cancelling

After you cancel, keep confirmation of the cancellation and any refund transaction. If you do not receive the expected refund in the timeframe indicated by the program, follow up using the program FAQ contact method and provide your documentation. For product-specific information see the program FAQs: Ontario School Board FAQ here, Ontario Colleges FAQ here, Church Event FAQ here. For consumer review context you may see user feedback on Trustpilot for Aon travel practices here and on Trustpilot for broader Aon services here.

12. Address

For registered mail, formal complaints or notices (as applicable to your program), you can use:

Aon S.p.A. - Ufficio Reclami
Via E. Calindri, 6 - 20143 Milano (MI), Italia