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Cancellation service #1 in Canada
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Axa 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.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Axa: Easy Method
What is Axa
AXA is a global insurance and asset-management company that offers a range of retail and commercial insurance products, including travel, life and health, home and auto coverages. In Canada AXA-branded products are distributed through various channels and third-party partners; product terms, cancellation rules and customer service contacts can vary by the specific AXA entity or reseller that issued your policy.
How to cancel Axa
- Locate your policy documents and note the policy number, effective date and the issuer (AXA Canada, a third‑party reseller, or an overseas AXA product such as AXA Schengen). Check the policy wording for any specific cancellation or “free‑look” clause.
- If you have an AXA Schengen travel plan and are within the 10‑day free‑look and you have not departed, follow the insurer’s cancellation page: AXA Schengen - cancel policy.
- For Canadian provincial insurance (non‑Quebec), send written notice to the insurer requesting termination and surrender of the policy; keep a dated copy. Include policy number, effective termination date requested and bank or cheque details for refund.
- When in doubt, request a written confirmation of cancellation and a calculation of any refund (short‑rate or pro‑rata) and retain proof of delivery (email receipt or registered mail tracking).
- Note: there are no publicly documented instructions from AXA Canada for cancelling via App Store / Google Play; platform refunds may be handled by the store rather than AXA.
What happens when you cancel
When you cancel an AXA policy the insurer will close your coverage as of the termination date you requested (or the date they process the cancellation). Access to benefits ends on that date and any automatic renewals stop. The insurer is required to account for premiums paid and will calculate any unearned premium owing to you; how that is calculated (short‑rate penalty versus pro‑rata) depends on whether you or the insurer initiated the termination and the governing provincial rules. The insurer will also retain records of the policy and cancellation; you should keep the written confirmation and any refund details for your records.
Will I get a refund?
Refunds depend on the product and timing. AXA Schengen travel policies permit a 10‑day “free‑look” with a full refund if you cancel within ten days of purchase and travel has not commenced (AXA Schengen - cancel policy). For other Canadian insurance products, provincial statutes generally require the insurer to return any unearned premium, but when the insured cancels the insurer may apply a short‑rate (penalized) calculation; if the insurer terminates, pro‑rata is usually required. Third‑party resellers and specific policy wordings can limit refunds (for example, no refund after the policy effective date, or no refund if a claim has been filed). Always request a written refund calculation and the payment schedule when cancelling.
Axa plans and pricing
| Plan | Price (from) | Period | Key features |
|---|---|---|---|
| Silver (AXA Travel Insurance) | C$24 | Per trip (baseline) | Basic coverage: trip cancellation, $25,000 emergency medical, $750 baggage |
| Gold (AXA Travel Insurance) | C$48 | Per trip (baseline) | Higher coverage: trip cancellation, $100,000 medical, $1,500 baggage |
| Platinum (AXA Travel Insurance) | C$64 | Per trip (baseline) | Maximum coverage: trip cancellation, $250,000 medical, $3,000 baggage, CFAR optional |
| Bronze (AXA Travel Insurance) | C$37 | Per trip (baseline) | Emergency medical $100,000, evacuation $250,000 |
Your consumer rights in Canada
Under Canadian provincial Insurance Acts (for example British Columbia’s Insurance Act), insured persons generally have the right to terminate their insurance contract at any time by giving written notice to the insurer; the insurer must return any unearned premium, with the calculation (short‑rate vs pro‑rata) determined by whether the insured or the insurer terminated the contract. Specific consumer protections and timelines vary by province (Quebec has different civil‑law rules). For travel policies sold with a “free‑look” clause (such as AXA Schengen), a full refund is typically available if cancelled within the stated period and before travel commences. When cancelling, insist on written confirmation and a clear refund calculation. For statutory details see the BC statute: BC Insurance Act - cancellation rules.
Customer experiences
Customer feedback on AXA Canada and related AXA products is mixed. Employee reviews note positive workplace aspects such as benefits and work‑life balance, while consumer reviews on platforms like Trustpilot and Reddit frequently cite frustrations with slow or poor claims handling, denials, limited communication and occasionally inflexible refund or change policies. For travel products, third‑party reseller reports indicate that timing (cancelling before the policy effective date or within free‑look windows) strongly affects the chance of a full refund.
Documentation checklist
- Policy number and copy of the insurance contract
- Government photo ID (passport or driver’s licence)
- Written cancellation request (signed and dated) stating effective termination date
- Proof supporting cancellation reason where applicable (e.g., flight cancellation, visa denial, medical certificate)
- Bank details or void cheque for refund transfer
- Proof of delivery (email confirmation, registered mail tracking) and any insurer responses
Common mistakes
Common errors include failing to identify the correct issuing entity (policy issued by AXA Canada vs a reseller or foreign AXA entity), omitting the policy number on the cancellation notice, assuming app store refunds are handled the same way as insurer refunds, and cancelling after the policy effective date without checking whether the policy excludes refunds once in effect. Other frequent problems are not requesting a written refund calculation or not keeping proof of delivery - both make disputes harder to resolve.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online / insurer website or agent | Possible refund; amount varies by policy wording and timing (short‑rate vs pro‑rata) | Low - Medium |
| Phone to customer service | Possible refund; request written confirmation and calculation | Medium |
| Registered mail / written notice to insurer | Refund per policy/provincial statute (insurer must calculate unearned premium; short‑rate often applies when insured cancels) | Medium - High |
| AXA Schengen (within 10‑day free‑look) | Full refund if cancelled within 10 days and travel has not commenced | Low |
| App Store / Google Play | No official AXA Canada pathway documented; refunds may be handled by the platform | High / Unclear |
After cancelling
After you cancel, keep the insurer’s written confirmation, any refund calculation and proof of payment. If you disagree with the refund calculation, ask for a written explanation and escalate to the insurer’s complaints or dispute resolution department. If unresolved, you can contact your provincial insurance regulator or ombudsperson for guidance. Useful links: AXA Schengen cancellation page (axaschengeninsurance.com), a third‑party primer on statutory cancellation (axz.ca - statutory guidance), and consumer feedback sites such as Trustpilot for user experiences (Trustpilot - AXA Canada).
Address
For registered or formal written notices you may consider the insurer’s legal or head office address. Example (as provided): AXA Assicurazioni S.p.A., Corso Como 17, 20154 Milano, Italia.