Cancellation Cigna: Easy Method

What is Cigna

Cigna is a global health services company that provides a range of insurance products, including travel and visitor insurance in Canada under brands such as Cigna Close Care and international/expat plans marketed as Cigna Global. In Canada, Cigna Life Insurance Company of Canada issues policies and administers coverage for individuals traveling to or residing temporarily in Canada.

How to cancel Cigna

• Check whether you are within the 14-day statutory "free-look" period from receipt of the policy - if so, you are entitled to cancel for a full refund unless a claim has been paid or a guarantee of payment has been issued.
• If you are past the free-look period, prepare a written cancellation request that includes your full name, policy/certificate number, date the policy was received, the requested termination date, and a clear statement that you wish to cancel. Sign and date the letter.
• Send the cancellation letter by registered mail (use a trackable method such as "raccomandata A/R" or equivalent) to ensure proof of delivery; include a request for written confirmation of receipt and the effective cancellation date.
• Mail to: CIGNA Life Insurance Company of Canada, 100 Consilium Place, Suite 301, Scarborough, ON M1H 3E3. Keep a copy of everything you send and the registered-mail receipt/tracking number.
• If a claim has already been paid or a guarantee of payment issued, note in your letter that you understand the insurer may require payment of remaining premiums; ask for an itemized statement of any balance due and the refund calculation (if applicable).

What happens when you cancel

Cancellation terminates future coverage from the effective termination date. If you cancel within the 14-day free-look period your policy is treated as void (subject to the claim/guarantee exception) and benefits will not apply from the start. If you cancel after the free-look period, termination normally takes effect 14 days after the insurer receives your written notice. Ongoing claims or payments already made may affect any refund or outstanding premium obligations. The insurer will retain policy records to comply with legal, regulatory and claims-handling requirements.

Will I get a refund?

If you cancel within the statutory 14-day free-look period you are entitled to a full refund of premiums paid unless a claim has been paid or a guarantee of payment has been issued. If you cancel after the free-look period and no claims or guarantees have been made, any premium paid for coverage beyond the termination date will generally be refunded on a pro rata basis. If a claim has been paid or a guarantee issued, the insurer may require you to pay the remainder of unpaid premiums (for example, the uncollected portion of an instalment plan).

Cigna plans and pricing

Your consumer rights in Canada

For Cigna Close Care travel/visitor policies sold in Canada, you have a statutory 14-day free-look right to cancel and obtain a full refund from the date you receive the policy, unless a claim has been paid or a guarantee of payment was issued. After the free-look period, cancellation normally requires at least 14 days’ written notice and refunds are generally pro rata only if no claim or guarantee exists; otherwise you may be liable for remaining premiums. Provincial insurance regulators oversee insurer conduct - if you believe your rights have been breached you can contact your provincial insurance regulator or consumer protection office to lodge a complaint.

Customer experiences

Customer feedback is mixed. For Cigna Global (expat/individual insurance) many reviewers on Trustpilot give positive marks (examples cite professional, knowledgeable and personalized service and a clear online platform). However, reviews for Cigna’s broader services on other Trustpilot listings and discussion forums include frequent complaints about claim delays or denials, poor or slow customer service, system and payment issues, and inconsistent information from representatives. Individual experiences vary by product, region and the nature of claims.

Documentation checklist

• Policy/certificate number and copy of the policy or confirmation email
• Proof of purchase or premium payment (receipts, credit-card statement)
• Your written cancellation letter (signed) and the date it was posted
• Identification (copy of passport or government ID) as required
• Copies of any claim submissions, claim reference numbers, or guarantees of payment
• Registered-mail receipt/tracking number and a copy of the postal receipt

Common mistakes

Common errors include failing to send a written cancellation or relying only on a phone call, not using a trackable/registered mailing method and losing proof of delivery, omitting the policy or certificate number in the request, and assuming a refund will be issued immediately. A frequent financial surprise is cancelling after a claim has been paid or after a guarantee of payment has been issued - in those cases the insurer may require payment of remaining premiums rather than issuing a refund.

Comparative recap

After cancelling

Keep copies of your cancellation letter, registered-mail receipt and any insurer reply. Allow reasonable time for the insurer to process refunds (processing times can vary); if you do not receive confirmation within a few weeks, follow up in writing and request an explanation and timeline. If you need the insurer’s product pages or reference material, see the Cigna Close Care information here: Cigna Close Care (TravellersInsurance.ca) and a related summary page here: Cigna Close Care (VisitorsInsurance.ca). If your dispute is not resolved by the insurer, consider contacting your provincial insurance regulator or consumer protection office for guidance.

Address

CIGNA Life Insurance Company of Canada, 100 Consilium Place, Suite 301, Scarborough, ON M1H 3E3, Canada.