Cancellation Esurance: Easy Method

What is Esurance

Overview

Esurance is (or was) an auto insurance brand historically operating under the Allstate group. In the United States Esurance provided online-focused policy management, claims tracking and roadside assistance. Esurance ceased writing new and renewal auto policies in Canada in July 2018 and no longer maintains an active Canadian auto-insurance product line.

Because Esurance exited the Canadian market, Canadian customers holding legacy policies should rely on their specific policy documents and direct contact with Esurance customer service for cancellation and refund details.

How to cancel Esurance

• Call Esurance customer service at 1‑800‑ESURANCE (1‑800‑378‑7262) to request cancellation and to confirm the steps and any fees that will apply. Ask for a cancellation confirmation number or written confirmation.
• If written notice is preferred or required by your policy or province, send a signed cancellation letter. If you need proof of delivery, send it by certified mail (e.g., raccomandata A/R) to Esurance Customer Service, P.O. Box 5250, Sioux Falls, SD 57117‑5258.
• Before you cancel, arrange replacement coverage and obtain proof of the new policy to avoid a coverage lapse; provide that proof to your insurer or motor vehicle authority if requested.
• When cancelling, request a statement showing how any refund (prorated or otherwise) was calculated and ask how any cancellation fee or short‑rate penalty was applied.
• Follow up in writing (email or letter) and keep copies of all communications, confirmation numbers, and bank or credit card statements showing the end of billing.

What happens when you cancel

When you cancel an Esurance policy, your coverage ends on the cancellation date you and Esurance agree to. Your ability to access online policy management and claims portals may be terminated after cancellation. Renewal notices will stop for that policy, but you should retain copies of policy declarations and claims history for future reference.

Esurance should provide a calculation of any refund or balance owed by the insurer or you. If there are outstanding claims or fees, those will typically be settled against any refund. Keep records of confirmations and any final billing to show the effective cancellation date and any refunds issued.

Will I get a refund?

Provincial rules in Canada generally entitle policyholders to a prorated refund for the unused portion of a midterm cancellation, but insurers may apply an allowable cancellation charge such as a short‑rate penalty (for example a percentage) or a flat cancellation fee. Esurance’s publicly available documentation does not list a standard 14‑day cooling‑off period or a fixed refund schedule for Canada, so outcomes depend on your policy terms and applicable provincial rules.

In practice, customers should expect a prorated refund in many cases, but also confirm whether a cancellation fee or short‑rate penalty will reduce that refund. If you believe your refund was calculated incorrectly, ask Esurance for a detailed breakdown and retain all documentation to escalate with a provincial regulator if necessary. For background reading see Esurance - What to consider before cancelling and commentary on refunds at Insurify.

Esurance plans and pricing

Your consumer rights in Canada

You may cancel auto insurance at any time by formally notifying your insurer. Provincial rules generally require that insurers provide a prorated refund for the unused portion of a policy when cancelled midterm, subject to allowable cancellation fees or short‑rate penalties. You must not drive uninsured - provinces often require proof of continuous coverage, and a lapse can affect vehicle registration, licensing, and future insurance rates.

If you dispute a refund or cancellation handling, contact your provincial insurance regulator or consumer protection office; keep all written communications, confirmation numbers, and financial records to support any complaint or appeal. For explanation of cancellation rights in Canada, see material such as Concept Auto - Cancelling car insurance in Canada.

Customer experiences

Public reviews for Esurance Canada are limited. A 2018 review posted by a broker site described a strongly negative experience including high cancellation fees and poor customer service. U.S.-based reviews (seen on platforms such as Trustpilot) commonly cite delays in refunds, continued billing after cancellation requests, and customer‑service difficulties; while those are U.S. observations, they reflect the types of issues customers sometimes report.

There are few verified positive reviews for Esurance Canada in public forums, so prospective customers and those cancelling should be cautious: document every step, obtain written confirmations, and monitor bank/credit card statements after cancellation.

Documentation checklist

• Policy number and declarations page (copy)
• Signed cancellation request or written instruction (email or letter)
• Proof of delivery if mailing (certified mail receipt / tracking)
• Confirmation number or written confirmation from Esurance
• Proof of replacement coverage (new policy documents)
• Bank or card statements showing final billing and any refund

Common mistakes

Waiting to arrange replacement coverage is a frequent mistake - this can create a coverage lapse that impacts driving privileges and future premiums. Another common issue is relying solely on verbal cancellation; always obtain written confirmation and keep proof of the cancellation date to stop future billing. Some customers forget to confirm how refunds are calculated and whether a cancellation fee applies, which can lead to surprises when the refund is lower than expected.

Also avoid assuming mobile app or online cancellation options exist in Canada; Esurance’s mobile app was for U.S. operations only, so attempt cancellation by phone and in writing and follow up until you receive confirmation. See background on app availability at LowestRates - Esurance.

Comparative recap

After cancelling

After cancellation, confirm you received written confirmation with the effective cancellation date and the refund amount. Compare bank or card statements to ensure billing stopped and any refund was processed. Maintain copies of all documents for at least one year in case of follow‑up disputes.

If you do not receive a promised refund or you observe unauthorized billing, contact Esurance customer service again and escalate as needed to your provincial insurance regulator or consumer protection office. For additional reading and customer reports, see Esurance’s informational page at Esurance - What to consider, commentary at Insurify, and user reviews at Trustpilot (Canada page).

Address

Esurance Customer Service, P.O. Box 5250, Sioux Falls, SD 57117‑5258