Cancellation Coverwise: Easy Method

What is Coverwise

Coverwise is a travel insurance and insurance-quote service that matches customers with policies from third-party insurers; it operates primarily as a broker and quote service rather than an insurer itself. Policies sold through Coverwise are subject to the terms, refunds and claims processes of the issuing insurer and/or policy administration partner.

How to cancel Coverwise

• Determine whether you are within the initial 14-day statutory cancellation (cooling-off) window: if you received your policy documents within the last 14 days and you have not started travel, made a claim or had an incident that may give rise to a claim, you may be eligible for a full refund (see "Will I get a refund?").
• If you are inside the 14-day window, contact Coverwise in writing as soon as possible. Acceptable methods: email to the insurer/administrator address shown on your policy, or a written letter. Where an insurer/administrator address is provided on documents, send the cancellation notice to that address.
• To ensure proof of delivery when sending a physical letter, send by registered mail with return receipt. If Coverwise directs correspondence to a policy administrator abroad, you can use registered mail (raccomandata A/R) and request a receipt. The administrative address used historically for claims/administration is: INTER PARTNER ASSISTANCE S.A., Casella Postale n. 230, UP Milano Centro, Via Cordusio 4, 20123 Milano, Italy.
• In your cancellation message include: full name, policy number, date you received policy documents, date of travel (if any), and a clear statement that you wish to cancel the policy and request a refund (if applicable). Keep copies of all correspondence and proof of posting/delivery.
• If cancelling after the 14-day period, notify Coverwise in writing that you wish to cancel. Be aware that, per Coverwise terms, premium refunds are not normally issued once the statutory period has passed.

What happens when you cancel

When you cancel, access to the insurance cover ends according to the insurer’s policy terms and the date of cancellation you provide. If you cancel before travel or before cover commences, your policy will be treated as void from the requested cancellation date. Auto-renewal subscriptions that are cancelled may be prevented from taking future payments, but you should confirm the effective cancellation date and any outstanding administrative obligations with Coverwise or the insurer.

Coverwise and the administering insurer will retain policy records and any information needed to process refunds or resolve claims. Keep copies of your cancellation confirmation and any acknowledgement email or delivery receipt as proof of the cancellation request and effective date.

Will I get a refund?

Under the terms available from Coverwise sources, there are three practical outcomes: within 14 days of receiving policy documentation you may be entitled to a full premium refund provided you have not travelled, made a claim, or experienced an incident likely to give rise to a claim. If you cancel after that 14-day period, the policy may be cancelled but the premium is generally non-refundable. If a policy auto-renews and you did not want renewal, a full refund may be possible if you cancel within 14 days of the renewal date and meet the same conditions (no travel, no claims, etc.).

These refund rules reflect Coverwise’s published terms used in other markets; availability of a refund for Canadian customers depends on the issuing insurer, policy wording and local regulation. Always check the policy schedule and the insurer/administrator contact details on your certificate of insurance, and request written confirmation of any refund decision.

Coverwise plans and pricing

Your consumer rights in Canada

Canadian consumer protections for insurance vary by province and by the type of insurance and whether the insurer is licensed in Canada. There is no single federal “14-day statutory cooling-off” rule that applies universally to all travel or general insurance products across Canada; some insurers and policies offer a cooling-off or “free-look” period as part of their terms, but practices differ. If you buy a policy through a foreign broker or an overseas-administered policy, provincial regulators may have limited jurisdiction.

If you are in Canada and uncertain about your rights, consult the Financial Consumer Agency of Canada (FCAC), the Insurance Bureau of Canada (IBC) or your provincial insurance regulator for guidance on cancellation, refunds and complaint escalation. Keep written records and seek advice from your provincial regulator if a refund or fair handling is disputed.

Customer experiences

Public reviews (mostly from UK customers) are mixed. Positive comments commonly note polite and professional staff, clear explanations, competitive pricing and an easy-to-use website and quoting process. Users also report straightforward policy upgrades and value for money in many cases.

Negative reports include complaints about claim denials, slow or burdensome claims processes requiring extensive documentation, requests for unexpected or unusually formatted medical evidence, and perceived lack of compassion in handling complex claims. Some customers have reported needing to escalate disputes, including legal routes, when claims were declined. Canadian customers buying policies arranged by a UK/European administrator should be mindful that many reviews reflect service and dispute experiences in those jurisdictions.

Documentation checklist

• Policy number and full policy documentation (certificate of insurance and schedule)
• Your full name, contact details and date you received policy documents
• Travel dates or date cover was to commence
• Written cancellation request (email or signed letter)
• Proof of posting/delivery (registered mail receipt or email delivery confirmation)
• Any correspondence from Coverwise or the insurer regarding your policy or renewal

Common mistakes

Assuming a universal Canadian statutory 14-day refund right: unlike some UK/EU rules, Canadian coverage varies; don’t rely on a single expectation - check the policy wording and the issuing insurer’s terms.

Failing to cancel in writing or keep proof: verbal requests are easy to dispute. Always cancel in writing and keep delivery receipts or saved sent email headers.

Ignoring renewal notices and missing time-limited rights: if your policy auto-renews, read renewal communications promptly - some refund rights (where available) are measured from the renewal date.

Waiting to confirm refunds: if a refund is promised, ask for written confirmation of the amount and payment timing; retain all transaction records and follow up promptly if the refund does not arrive.

Comparative recap

After cancelling

After you submit a cancellation request, keep copies of confirmation and any refund correspondence. If a refund is due and not received in the time stated, follow up with the insurer/administrator and request a written explanation. If you encounter problems, contact Canadian authorities for guidance: the Financial Consumer Agency of Canada (FCAC) and the Insurance Bureau of Canada (IBC) can help with consumer information; for provincial matters, contact your provincial insurance regulator (links via the FCAC or IBC sites).

If a claim is denied and you believe the insurer or administrator acted improperly, request a full written explanation and the policy clause relied on. You may escalate through the insurer’s internal complaints process and then to the appropriate ombudsperson or provincial regulator; legal routes such as small claims court are an option in extreme cases.

Address

Send written cancellations and supporting documents (where the policy or administrator directs you to the administrator address) to:

INTER PARTNER ASSISTANCE S.A.
Casella Postale n. 230, UP Milano Centro, Via Cordusio 4, 20123 Milano, Italy

To ensure proof of delivery, send by registered mail with return receipt (raccomandata A/R) or use an international tracked courier and retain the tracking and receipt documentation.