Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Tripmate
P.O. Box 557
L8N 3K9 Hamilton
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Tripmate 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 notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
14/01/2026
Cancellation Tripmate: Easy Method
What is Tripmate
TripMate is a provider of travel protection plans sold alongside travel bookings and tours. Policies cover risks such as trip cancellation, interruption, and emergency medical expenses and are commonly offered through third‑party travel agents and tour operators for Canadian travellers.
For Canadian customers the insurer/administrator works with Old Republic Insurance Company of Canada and policies are often purchased at the time of booking through agents (for example, Collette Vacations). TripMate’s offerings include standard cancellation/interruption coverage and optional add‑ons such as Cancel For Any Reason (CFAR) where available under specific plan rules.
How to cancel Tripmate
- Confirm your eligibility: cancellations must be made within the 14‑day “free look” period (often described as 10 - 14 days after you receive plan documents), and only if the trip has not begun and you have not filed a claim.
- Prepare a written cancellation request that includes your full name, policy number or certificate number, purchase date, trip dates, a clear statement that you are cancelling the plan and requesting a full refund, and your preferred refund method or bank details.
- Send the cancellation by registered mail (raccomandata A/R) to the insurer’s Canadian address: Old Republic Insurance Company of Canada, P.O. Box 557, Hamilton, Ontario L8N 3K9. Retain proof of mailing and request written acknowledgment of receipt.
- Notify your booking agent as well (for example Collette Vacations in Canada) because refunds for the travel booking itself are handled by the agent; TripMate does not refund agent commissions. Follow up by phone or email if you don’t receive confirmation within a reasonable time.
What happens when you cancel
When you cancel within the free‑look period and meet the conditions (trip not started and no claim filed), your TripMate plan coverage ends and you are entitled to a refund of the premium. Cancellation of the insurance policy does not automatically cancel your travel bookings; you must contact the tour operator or travel agent separately to address trip refunds or changes.
The insurer will retain records of the policy and the cancellation. If you cancel after the free‑look or after filing a claim, the outcome depends on the specific plan terms and any claims already paid or in process.
Will I get a refund?
If you cancel within the 14‑day free‑look period, TripMate’s policy provides for a full refund of the plan cost provided you have not departed and have not filed a claim. That is the standard rule for the advertised free‑look period.
Outside the free‑look window, refunds depend on the plan terms. Some optional coverages such as Cancel For Any Reason (CFAR) have their own rules (for example, a CFAR may require cancellation at least two days before departure and may only reimburse up to 75% - these terms are plan‑specific). Refunds for trip bookings are handled by your travel agent; TripMate generally will not reimburse agent commissions.
Tripmate plans and pricing
| Plan | Coverage Highlights | Price (CAD) |
|---|---|---|
| Standard Trip Cancellation & Interruption | Trip cancellation, interruption, baggage, emergency medical (varies by plan) | Varies |
| Cancel For Any Reason (CFAR) | Higher reimbursement limits subject to strict timing and purchase rules (plan‑specific) | Varies |
| Medical & Emergency Assistance | Emergency medical, evacuation and assistance services (limits vary) | Varies |
Your consumer rights in Canada
Canadian consumer protection principles require that cancellation rights and refunds be respected, particularly for statutory cooling‑off or “free look” periods. Any contractual clause that would unreasonably deny a consumer a refund in exceptional circumstances (for example serious illness or force majeure) may be constrained by provincial consumer protection rules and insurance regulations.
To preserve your rights, make cancellations in writing, keep proof, and request prompt refund processing. If you encounter difficulty, you may escalate to the insurer’s complaint process and, if unresolved, contact provincial consumer protection or insurance regulators for guidance.
Customer experiences
Customer reviews are mixed. Positive reports note a straightforward online claims process, helpful representatives, and some fast reimbursements (examples of customers reporting quick turnaround of about two weeks). Those favourable experiences describe an easy document upload process and courteous service.
Negative reports are common as well: many customers describe denied claims without clear explanation, long delays (weeks or months) in receiving refunds, receiving vouchers or credits instead of cash, and frustrating customer service experiences. A frequent complaint is missing a deadline window and being offered only partial refunds or credits rather than full cash refunds.
Documentation checklist
- Original policy/certificate documents and proof of purchase (receipt)
- Your full name, policy/certificate number, purchase and trip dates
- Written cancellation letter requesting a full refund and preferred refund method
- Proof that the trip has not started (if requested) and confirmation you have not filed a claim
- Copy of registered‑mail receipt and any email or written acknowledgments
- Government ID and banking details for refund (if you prefer direct deposit)
Common mistakes
Common errors include missing the free‑look deadline, sending a cancellation by regular mail without proof, failing to include the policy or certificate number, or not specifying the refund method. Some customers assume cancelling insurance cancels the travel booking - this is incorrect; you must contact the travel agent separately. Another frequent problem is expecting a cash refund when an agent or provider’s policy issues vouchers or credits under their own terms.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Registered mail cancellation within free‑look | Full refund if trip not started and no claim filed | Low |
| Contact travel agent before departure | Refund depends on agent’s rules; TripMate does not refund agent commissions | Medium |
| Cancel after free‑look or after filing a claim | Partial or no refund; CFAR may reimburse up to 75% if conditions met (plan‑specific) | High |
After cancelling
After you send your cancellation, monitor for written acknowledgment and refund processing. Keep all correspondence and your proof of registered mailing. If you have questions about plan terms or CFAR specifics, consult TripMate’s FAQs and contact pages.
Helpful resources: TripMate customer FAQs and contact pages can be found at TripMate FAQ / Contact and the TripMate contact page for Canadian clients at TripMate Canada Contact. For CFAR or plan‑specific limits see related plan FAQs such as TripAssure/CFAR information. If your refund is delayed or disputed, consider escalating to the insurer’s complaints process and, if necessary, to provincial consumer protection authorities.
Address
Old Republic Insurance Company of Canada
P.O. Box 557
Hamilton, Ontario L8N 3K9
Canada