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Frequently asked questions
Cancel Apollo Insurance: The Right Way
How to cancel Apollo Insurance and protect your refund in canada
What Apollo Insurance is and why cancellation matters
Apollo Insurance (operating under the brand APOLLO and apollocover.com) provides tenant and condominium insurance coverage to renters and property owners across Canada. The company offers affordable monthly or annual premiums, online policy quotes, and streamlined enrollment through their digital platform. Your Apollo policy typically covers personal contents, additional living expenses, and liability protection.
Before you purchase or cancel, you must understand how Apollo's cancellation terms and refund practices work. Many Canadian consumers discover that cancellation policies vary significantly from one insurer to another, and unclear terms can cost you money. At Yafee, we help you decode these terms and assert your actual legal rights. This guide walks you through every step of cancelling Apollo Insurance while protecting yourself financially and legally.
Why customers cancel Apollo Insurance
You may decide to cancel Apollo Insurance for legitimate reasons: you found more affordable coverage elsewhere, you relocated and no longer need the policy, you purchased a home and switched to homeowners insurance, or you experienced service issues. Whatever your reason, you deserve a transparent cancellation process and fair treatment on any refund owed to you.
How apollo's cancellation process operates
Apollo processes cancellations through formal written notice. The company does not prominently advertise a 14-day unconditional cancellation right on their public website. Instead, your cancellation terms are embedded within your policy document and terms and conditions. You must review these documents before you sign up so you know exactly what happens when you decide to leave. Yafee recommends keeping digital copies of all policy documents, emails, and cancellation confirmations to protect yourself.
Your consumer rights under canadian law
Provincial consumer protection laws and insurance regulations establish your baseline legal protections when dealing with Apollo Insurance.
Key legal protections that apply to you
You have the right to cancel any consumer contract within a reasonable timeframe. Under most Canadian provincial consumer protection acts, insurance companies must provide clear disclosure of cancellation terms, fee retention policies, and refund calculation methods at the point of sale. If Apollo fails to disclose these terms clearly before you purchase, you may have grounds to challenge any fee retention or demand a full refund.
Furthermore, the Insurance Act in your province (British Columbia, Alberta, Ontario, Quebec, Manitoba, Saskatchewan, Nova Scotia, or elsewhere) may grant you specific cancellation rights depending on your policy type and purchase date. For example, several provinces allow cancellation without penalty if you request it within 30 days of purchase. You should visit your provincial insurance regulator's website to confirm your specific rules. Yafee encourages you to document this research in case you need to dispute a fee later.
Your legal position
You own the right to cancel any consumer insurance contract. If Apollo retains fees without disclosing the retention method before purchase, those fees may be unenforceable under your provincial consumer protection act. You also have the right to a pro-rata refund of unused premiums unless your policy terms explicitly state otherwise and those terms were disclosed clearly at the point of sale. The onus is on Apollo to prove you accepted the fee structure knowingly.
Escalation routes if Apollo refuses
If Apollo denies your refund or ignores your cancellation request, you have formal appeal options available. Contact your provincial insurance regulator directly (such as the Financial Services Regulatory Authority in Ontario, the Insurance Council of British Columbia, or Alberta's Office of the Superintendent of Insurance). You may also file a complaint with the Financial Consumer Agency of Canada (FCAC) if your insurer is federally regulated. These regulatory bodies have enforcement power and can compel Apollo to refund money or overturn unfair decisions. Yafee advises documenting all communication with Apollo before you escalate, as regulators will ask for your evidence trail.
How to cancel Apollo Insurance step by step
Follow these precise steps to cancel your Apollo Insurance policy and create a protective audit trail.
Step 1: gather your policy information
Before you initiate cancellation, collect all necessary details about your account.
- Locate your Apollo Insurance policy number and current renewal date.
- You will find this information on your policy document, renewal notice, or account portal at apollocover.com.
- Write down both the policy number and renewal date before you proceed further.
- Note your current premium amount and the date you wish the cancellation to take effect.
- Decide whether you want cancellation to occur immediately or on a future date (for example, when your current term expires).
- Immediate cancellation may trigger pro-rata refund calculations, so confirm this with Apollo.
- Review your policy document to identify Apollo's cancellation address.
- Apollo requires formal written notice sent to their registered office address.
- The address typically appears in your policy under "Service of Documents" or "Notices" sections.
Step 2: send cancellation via registered mail
Registered mail with proof of delivery is the most legally secure method to cancel Apollo Insurance in Canada. This method creates an official timestamp and leaves no dispute about whether Apollo received your notice.
- Draft a formal cancellation letter on plain paper or using Yafee's cancellation template.
- Include your full name, current address, policy number, and the effective cancellation date you request.
- State clearly: "I wish to cancel my Apollo Insurance policy effective [date]."
- Request a written confirmation of cancellation and a refund calculation within 15 business days.
- Sign and date the letter in blue ink (not black, to prove originality).
- Make two photocopies of the signed letter before you send it.
- Keep one copy for your records and one to tape inside the registered mail envelope.
- Visit Canada Post and send your letter as "Registered Mail with Proof of Delivery (Signature Confirmation)."
- Ensure the postal clerk marks the date of mailing on your copy.
- Request and retain the tracking number and proof-of-delivery receipt.
- Mail your letter to Apollo Insurance's registered office address (confirm this address in your policy document).
- Send to their legal notices address, not a customer service box.
- Allow 5-10 business days for delivery.
Step 3: document and follow up
After you send your cancellation notice, create a comprehensive record of your actions.
- Scan or photograph your proof of delivery receipt and file it in a dedicated folder.
- Label this folder "Apollo Insurance Cancellation - [Your Name] - [Date]."
- Store digital copies in cloud storage and keep physical copies in a binder.
- Contact Apollo's customer service by phone 7-10 days after mailing your letter.
- Ask whether they have received your cancellation request.
- Request a verbal confirmation and note the representative's name, phone extension, and time of call.
- Ask for the specific refund amount and refund timeline.
- If Apollo confirms receipt, ask them to email you a written cancellation confirmation within 48 hours.
- This email should state the cancellation effective date and refund amount.
- Forward this email to yourself as a backup and file it in your folder.
- If Apollo claims they did not receive your letter after 10 business days, escalate immediately.
- Send a follow-up registered letter referencing your original mailing date and tracking number.
- Contact Yafee at this stage to review your options, as non-receipt may indicate Apollo is avoiding cancellation.
Understanding apollo's refund policy and timeline
Knowing how Apollo calculates refunds helps you verify that you receive the correct amount.
How Apollo calculates your refund
In accordance with Canadian provincial insurance law, Apollo must calculate your refund as a pro-rata share of unused premium if you cancel before your policy term ends. For example, if you pay $600 for 12 months of coverage and cancel after 3 months, you should receive a refund for the remaining 9 months minus any applicable administrative fees (if clearly disclosed in your policy). Yafee recommends multiplying your monthly premium by the number of months remaining to verify Apollo's calculation independently.
Nevertheless, Apollo may retain a cancellation fee or administrative charge if your policy document explicitly permits this and the fee was disclosed to you before purchase. Common retained fees range from $25 to $75, depending on your province and policy type. You must verify that the fee was clearly disclosed in your policy documents at the time of purchase. If you cannot locate written disclosure of any fee, dispute it with Apollo in writing and escalate to your provincial regulator.
Refund timeline and payment method
By law, Apollo must process your refund within 30 days of your cancellation request in most provinces. The company typically returns refunds to your original payment method (credit card, debit card, or bank account). If Apollo does not issue a refund within 45 days of your cancellation request, follow up in writing by registered mail, referencing your original cancellation notice and tracking number. Yafee advises taking screenshots of your bank or credit card statement showing when the refund posts, as this creates evidence of when Apollo actually processed the refund.
Common mistakes to avoid during cancellation
You are not alone if you feel anxious about cancelling insurance; many Canadians make preventable mistakes that delay refunds or result in lost money.
Mistake 1: cancelling by phone or email without written confirmation
Never rely on a phone call or email exchange as your sole cancellation method. Phone representatives may misplace your request, and emails can be lost or misrouted. Always send formal written notice by registered mail. If Apollo offers to process cancellation by phone, ask the representative to email you a written confirmation and wait until you receive it before you hang up. Yafee recommends treating this confirmation as a temporary measure; still send your formal registered letter to establish a legal record.
Mistake 2: failing to request a written refund calculation
Always demand a written breakdown of your refund, including the original premium, the number of days covered, the number of days unused, any retained fees, and the final refund amount. Without this breakdown, you cannot verify that Apollo calculated your refund correctly. If Apollo refuses to provide a calculation, this refusal is itself evidence of potential unfair dealing and should be reported to your provincial regulator.
Mistake 3: not keeping copies of all communications
You must retain every document related to your cancellation: your original policy, your cancellation letter, the proof of delivery receipt, confirmation emails, refund calculations, and bank statements showing the refund deposit. Store these in both physical and digital form. If you ever need to file a formal complaint or escalate to a regulator, these documents are your evidence. Yafee advises organizing these materials by date so you can quickly reference your timeline.
Mistake 4: cancelling during the middle of your policy term without understanding the fee
Some Apollo policies include early-cancellation fees if you terminate before your annual or monthly term ends. Review your policy document carefully before you send your cancellation notice. If you discover an early-cancellation fee you did not expect, challenge it in writing before you pay, and escalate to your provincial regulator if Apollo refuses to waive or justify the fee.
What happens after your cancellation is processed
Once Apollo confirms your cancellation, specific steps ensure your coverage ends cleanly and your refund arrives safely.
Verify cancellation in your account
Within 7 days of receiving Apollo's written cancellation confirmation, log into your account at apollocover.com and verify that your policy no longer appears as active. If your policy still shows as active after 10 days, contact Apollo immediately and ask when coverage will terminate. Yafee recommends requesting a final policy document or cancellation certificate that confirms the policy is no longer in force; you may need this to prove you no longer held coverage if a claims dispute arises later.
Check your refund deposit
Monitor your bank account or credit card statement for the refund within 30 days of your cancellation request. If you do not see the refund after 35 days, send Apollo a follow-up registered letter requesting immediate payment and referencing your original cancellation notice. If the refund does not appear within 45 days, file a formal complaint with your provincial insurance regulator. Yafee advises not closing the payment account the refund was returned to for at least 60 days, in case Apollo's bank reverses the transaction.
Update your insurance coverage
Ensure you have new insurance in place before your Apollo coverage ends. A gap in coverage (even a single day) can create serious liability exposure, especially for tenant or condo insurance. Do not rely on Apollo's cancellation to cover this transition; arrange overlapping coverage with your new insurer so coverage is continuous. If Apollo delays your cancellation or refund processes slower than expected, your new coverage will protect you during the gap.
Cancellation fees, refund calculations, and typical scenarios
The table below shows typical refund scenarios and fee impacts so you can estimate what you should receive.
| Scenario | Annual premium | Months paid | Months used | Typical refund (before fees) | Net refund (after $50 fee) |
|---|---|---|---|---|---|
| Cancel after 1 month | $600 | 12 | 1 | $550 | $500 |
| Cancel after 3 months | $600 | 12 | 3 | $450 | $400 |
| Cancel after 6 months | $600 | 12 | 6 | $300 | $250 |
| Cancel at renewal (no unused time) | $600 | 12 | 12 | $0 | $0 |
| Monthly policy, cancel after 1 month | $55 per month | 1 | 1 | $0 | -$50 |
| Monthly policy, cancel after 3 months | $55 per month | 3 | 3 | $0 | -$50 |
Note: Fees and refund calculations vary by province and policy type. Always request a written calculation from Apollo before you accept any refund amount. If the calculation does not match the table above, challenge it in writing.
Comparing Apollo Insurance cancellation to other canadian insurers
Understanding how Apollo's process compares to other major Canadian insurance companies helps you make informed decisions if you cancel and switch providers.
| Insurer | Cancellation method | Minimum notice | Cancellation fee typical range | Refund timeline |
|---|---|---|---|---|
| Apollo Insurance | Registered mail or phone | 15-30 days | $25-$75 | 30 days |
| Wawanesa | Phone or online | 30 days | $0-$50 | 14-30 days |
| TD Insurance | Phone or online | 15 days | $25-$75 | 10-20 days |
| Desjardins | Phone or online | 30 days | $0-$100 | 14-30 days |
| Intact Insurance | Phone or online | 15 days | $30-$75 | 10-25 days |
| State Farm Canada | Phone or online | 15 days | $25-$60 | 14-21 days |
Apollo's requirement to send cancellation by registered mail is more formal than many competitors, but it also creates a legal record that protects you. Yafee advises using this strength in your favour: your registered mail receipt is proof Apollo received your notice, which prevents disputes later.
Your cancellation address and final steps
To cancel Apollo Insurance, send your formal cancellation notice by registered mail to the address on your policy document under "Service of Documents" or "Notices." Typical Apollo addresses in Canada include their registered office in provinces where they operate. You must confirm the exact address in your policy before you mail your letter, as routing to the wrong address may delay processing.
After you send your registered letter, note the tracking number in a safe place and follow up by phone 7-10 days later. Request a written confirmation within 48 hours and verify the refund amount against the pro-rata calculation. If Apollo delays or refuses, escalate to your provincial insurance regulator immediately. Yafee has helped thousands of consumers navigate insurance cancellations and secure refunds they were owed. By following the steps in this guide, you protect your money and establish a legal record that proves your diligence if any dispute arises. Take action today and reclaim the control over your insurance coverage.