Cancellation service #1 in Canada
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Apollo Insurance service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancellation Apollo Insurance: Easy Method
What is Apollo Insurance
Apollo Insurance (operating as APOLLO / apollocover.com) sells tenant and condo insurance products across Canada through online quotes and automated renewals. Policies advertise low monthly or annual premiums with basic contents, additional living expenses and liability limits, and the company maintains terms and conditions that govern cancellations, fees and refunds.
Apollo markets quick online sign-up and affordable pricing, but its published terms and customer reports indicate specific cancellation and refund practices that differ from some industry norms. Read your policy terms and keep records of all communications when you purchase or cancel coverage.
How to cancel Apollo Insurance
- Review your policy documents and the Apollo terms & conditions at apollocover.com to confirm the cancellation timing and any stated fee retention rules.
- If you have an automatic renewal you wish to stop, use the online policy portal to cancel or notify Apollo at least 15 days before the policy expiration, as described in their terms.
- For written cancellation, prepare a signed letter that includes your full name, policy number, address, desired cancellation effective date and a clear statement requesting cancellation; send it by registered mail (raccomandata A/R) to the company address (see Address section) and keep the receipt as proof of delivery.
- After sending the notice, follow up by phone or email to request written confirmation of cancellation and a written refund calculation if applicable; retain all confirmations, receipts and reference numbers.
- If you are near renewal or disputing charges, note timestamps and any automated renewal notices, and escalate to a supervisor if you do not receive timely acknowledgement.
What happens when you cancel
When you cancel, access to the policy and coverage ceases effective on the cancellation date you specify or the date accepted by Apollo. Automatic renewals should be stopped prior to the renewal cutoff to avoid charges; otherwise the policy may renew and you may be billed for the renewed term while you pursue cancellation or refund.
Apollo will retain and process policy records and communications; they should provide confirmation of cancellation and any refund calculation. If you need proof of the date you gave notice, your registered-mail receipt and any portal confirmation are the best evidence. Keep copies of all documents for any later disputes or regulator inquiries.
Will I get a refund?
Apollo's published terms state that fees are retained in the event of cancellation. There is no blanket 14‑day unconditional right of cancellation or refund shown on Apollo's site; refunds depend on timing and the company's methods. Many customer reports and regulatory complaint summaries indicate refunds - if issued - are calculated on a short‑rate basis, meaning the refunded amount is less than a straight pro rata unused premium because fixed acquisition and administrative costs are treated as retained.
Practically, this means you may receive a reduced refund or no refund of certain fees. If you believe the fee retention or refund calculation conflicts with provincial disclosure or consumer protection rules, keep evidence of the purchase disclosure and request a written explanation of the refund calculation; you may then consider filing a complaint with your provincial regulator or a federal consumer agency.
Apollo Insurance plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Tenant Insurance (Vancouver, BC) | C$14.60 | Monthly | Contents C$15,000; Additional Living Expenses C$5,000; Personal Liability C$1,000,000 |
| Condo Insurance (Vancouver, BC) | C$43.08 | Monthly | Fire/Smoke C$30,000; Additional Living Expenses C$10,000; Personal Liability C$2,000,000 |
| Student Tenant’s Insurance (Thorold, ON) | C$275.70 | Annual | Contents C$10,000; Additional Living Expenses C$2,000; Personal Liability C$1,000,000 |
| Tenant Insurance (Waterloo, ON) | C$22.74 | Monthly | Contents C$10,000; Additional Living Expenses C$5,000; Personal Liability C$1,000,000 |
| Tenant Insurance (East York, ON) | C$24.14 | Monthly | Contents C$15,000; Additional Living Expenses C$5,000; Personal Liability C$1,000,000 |
| Tenant Insurance (Brampton, ON) | C$21.92 | Monthly | Contents C$7,500; Additional Living Expenses C$5,000; Personal Liability C$1,000,000 |
| Tenant Insurance (Toronto, ON) | C$56.53 | Monthly | Contents C$10,000; Additional Living Expenses C$7,500; Personal Liability C$1,000,000 |
| Tenant Insurance (Brampton, ON) - higher coverage | C$35.60 | Monthly | Contents C$25,000; Additional Living Expenses C$15,000; Personal Liability C$1,000,000 |
| Tenant Insurance (London, ON) | C$242.64 | Annual | Contents C$7,500; Additional Living Expenses C$5,000; Personal Liability C$1,000,000 |
| Tenant Insurance (Kingston, ON) | C$242.58 | Annual | Contents C$15,000; Additional Living Expenses C$5,000; Personal Liability C$1,000,000 |
Your consumer rights in Canada
Canadian consumers generally have the right to clear fee disclosure at the point of sale and to cancel insurance policies, with unused premiums refunded on a prorated basis less reasonable administrative charges in many provincial practices. If an insurer's stated policy - such as retaining all fees on cancellation - conflicts with provincial regulations or with how fees were disclosed, consumers have recourse through provincial regulators (for example, the Financial Services Regulatory Authority of Ontario or equivalent in other provinces) and through federal resources such as the Financial Consumer Agency of Canada.
Document the exact disclosure you received and the timing of your cancellation request. If you believe Apollo's refund or fee retention practice is non‑compliant or inadequately disclosed, you can raise the issue with your provincial insurance regulator and with the FCAC. Keep a file with all communications, receipts and policy documents to support any complaint.
Customer experiences
Customer feedback is mixed: some users praise Apollo for affordable premiums and a fast, simple online sign-up process. However, a significant number of reviewers report difficulties cancelling policies, delayed or incomplete refunds, short‑rate refund calculations, and hard‑to‑reach customer service. Multiple complaints on review sites and the Better Business Bureau reference being billed after cancellation was requested, unexpected cancellation fees, and slow dispute resolution processes.
Because experiences vary, the practical approach is to act early (before renewals), insist on written confirmations, and preserve evidence of all cancellation requests and billing notices.
Documentation checklist
- Policy number and copy of the policy declaration page
- Your full name, address, date of birth and contact information
- Signed written cancellation request specifying effective cancellation date
- Proof of delivery (registered mail receipt / tracking number) and any portal confirmation screenshots
- Bank statement or payment receipt showing the premium charge and any renewal charge
- Copies of all email or phone correspondence and the names/reference numbers of representatives
- Banking details if you accept a refund by direct deposit and a request for a written refund calculation
Common mistakes
Waiting until after the auto‑renewal cutoff: many customers report being charged for a renewed term because they missed the 15‑day notice window. Example: if a renewal is processed before your written cancellation is acknowledged, you may need to dispute the renewal charge.
Relying only on verbal confirmation: users who only spoke to an agent sometimes found charges continued. Always get written confirmation and keep the registered mail receipt or portal confirmation.
Not checking the refund method: Apollo's terms and consumer complaints indicate refunds may be calculated on a short‑rate basis and some fees may be fully retained. Expect that the refund can be less than a simple pro rata amount and request a clear written calculation.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online portal cancellation | Refunds, if any, appear based on short‑rate calculation and company fee retention per terms. | Moderate - quick to submit but confirmation and refund may be delayed. |
| Registered mail (written notice) | Refunds subject to short‑rate method; registered mail provides stronger proof of timely notice. | Low to moderate - reliable evidence of notice but requires postal delivery time. |
| Phone or email request | Refunds still governed by terms; customer reports indicate a higher risk of delays or billing persistence. | High - customers report difficulty reaching support and getting written confirmation. |
After cancelling
After cancellation, confirm you received written acknowledgment and a refund calculation. If you do not receive timely confirmation or the refund calculation appears incorrect, escalate within Apollo and keep records of every contact. If you believe Apollo did not disclose fees properly or handled the refund in a way that conflicts with provincial rules, file a complaint with your provincial regulator (for Ontario, FSRA) and consider contacting the Financial Consumer Agency of Canada for guidance.
Helpful resources: Apollo's terms & conditions at apollocover.com/terms-conditions-tenants-policy; Better Business Bureau complaint summaries at bbb.org; customer reviews at Trustpilot and Comparewise. For regulatory help see the Financial Services Regulatory Authority of Ontario at fsrao.ca and the Financial Consumer Agency of Canada at canada.ca/fcac.
Address
Apollo Insurance Agency Ltd
111 Water Street, Suite 210
Toronto, ON M5C 1T4
Canada