Cancel Vsp: Step-by-Step Process

What is Vsp

Overview

Vsp is a vision insurance provider offering individual vision plans and related services under global terms. The brand (commonly styled VSP) sells policies that include defined terms for cancellation, refunds, and member services.

How it applies in Nigeria

Vsp’s published Terms & Conditions apply to international buyers, including customers in Nigeria, so the same cancellation rules generally apply. The policy language and consumer options follow the issuer’s global terms rather than a Nigeria‑specific contract.

How to cancel Vsp

Main cancellation routes

• Phone: Contact Member Services at 800‑785‑0699 or 800‑877‑1195 to request cancellation.
• Written request: Send a written cancellation request to the address specified by the insurer (see Address section below).
• Web/phone assistance: You may cancel by phone or through the insurer’s web customer support channels as noted in the Terms & Conditions.

Step‑by‑step cancellation steps

• Gather policy number and personal details (name, address, date of birth).
• Call Member Services (800‑785‑0699 or 800‑877‑1195) and request cancellation; ask for a confirmation number or reference.
• If requested or preferred, prepare a written cancellation request and send it to Careington International Corporation, P.O. Box 2568, Frisco, TX 75034.
• Keep copies of all correspondence and any confirmation of cancellation for your records.

What happens when you cancel

Access to benefits

Cancellation generally stops future coverage and future premium billing, but services already provided prior to cancellation may remain chargeable.

Renewal and data

Cancellation prevents automatic renewal at the end of the term. The insurer will retain records as required by its data retention policies and applicable regulations.

Will I get a refund?

30‑day Right to Return

If you cancel within 30 days of receiving the policy (the plan’s "Right to Return"), you are entitled to a full premium refund minus any processing fee, provided benefits have not been used.

After the 30‑day period

• General refunds are not typically available after 30 days under the Terms & Conditions.
• Exceptions: Pro‑rata refunds may be provided for certain memberships in specific U.S. states (for example, ND and OK) but this does not establish a broad international refund right.
• If you paid in installments for a 12‑ or 24‑month policy, you are usually liable for premiums through the full term unless cancellation occurs during the 30‑day window.

Vsp plans and pricing

Plan types

The insurer offers plans with varying terms (for example, 12‑month and 24‑month policies) and payment options including single payment or installment schedules.

Pricing summary

Your consumer rights in Nigeria

Contractual rights under the policy

Under Vsp’s Terms & Conditions you retain the 30‑day Right to Return and related refund rights described in the policy, even when purchasing from Nigeria.

Local consumer protection context

Nigerian consumer protection laws provide general safeguards against unfair contract terms and deceptive practices, but international policy disputes may require cross‑border resolution.

If you experience difficulty enforcing your rights, consider contacting a local consumer protection agency or seeking legal advice about cross‑border insurance contracts.

Customer experiences

Positive signals

There are few Nigeria‑specific reviews available; broader product information focuses on plan features and coverage options in published materials.

Critical feedback

• Many reviewers on public sites report difficulty cancelling, long hold times, and poor phone support.
• Complaints include denied claims, billing issues, and frustration with customer service responsiveness.

Documentation checklist

Essential documents to prepare

• Policy number and copy of the insurance certificate or welcome letter.
• Photo ID and contact details (email, phone number, postal address).
• Any receipts or records proving unused benefits if claiming the 30‑day refund.

When sending written requests

• Include a clear statement of cancellation, policy number, signature, and date.
• Keep proof of posting or delivery and retain copies of the sent letter and any responses.

Common mistakes

Not cancelling within 30 days

One frequent error is missing the 30‑day Right to Return window and losing eligibility for a full refund minus processing fees.

Relying on app store cancellation

Expecting to cancel via the App Store or Google Play is another common mistake. Vsp requires cancellation through Member Services or a written request, not an in‑app cancel button.

Comparative recap

Quick comparison

After cancelling

What to check

• Confirm you received cancellation confirmation in writing or by reference number.
• Review bank or card statements to ensure future premiums have stopped.

Helpful links and follow‑up

• Vsp Terms & Conditions: Vsp Terms & Conditions
• Trustpilot reviews for broader user experiences: Trustpilot - Vsp

Address

Where to send written cancellation

Careington International Corporation, P.O. Box 2568, Frisco, TX 75034.

Contact by phone

Member Services phone numbers provided in the Terms: 800‑785‑0699 and 800‑877‑1195. Keep records of call date, time, and reference numbers where available.