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Cancel Cover-More: Step-by-Step Guide
How to cancel your Cover-More travel insurance policy and claim your refund in india
Understanding Cover-More's current status in india
Cover-More was once a global travel insurance and assistance group, but your situation today as an Indian consumer requires clarity about what the company actually offers in your market. According to public records and regulatory filings, Cover-More exited the direct travel insurance market in India during 2022. The company no longer underwrites or sells travel insurance policies to Indian consumers. Instead, Cover-More now operates in India as a global IT and support services provider, not as a travel insurance issuer.
If you hold a travel insurance policy purchased in India, it was issued by a different insurer or distributed through a partner platform, not directly by Cover-More. This distinction is legally critical. Your cancellation rights, refund eligibility, and the entire process depend on who actually issued your policy, not on Cover-More's historical business model. Yafee has guided thousands of Indian policyholders through exactly this situation: identifying the real issuer and understanding where to submit cancellation requests.
Why Cover-More's exit matters for your cancellation
Because Cover-More no longer underwrites travel policies in India, there are no India-specific cancellation portals, customer service helplines, or policy support channels run by Cover-More itself for Indian consumers. You cannot contact Cover-More directly in India to cancel a policy issued before the exit.
Your cancellation request must go to the actual issuing insurer or the agent and platform that sold the policy to you. The first step-and the most important one-is to identify this issuer from your policy document or purchase confirmation email. Look for phrases like "Issued by", "Underwritten by", or "Policy provider". Yafee recommends keeping this information visible as you proceed with cancellation, because it determines every next step.
Your consumer protection rights under indian law
India's Consumer Protection Act, 2019 gives you robust statutory protections when cancelling travel insurance, regardless of whether Cover-More itself issued your policy or a partner did.
Key statutory rights that protect your cancellation
You have the right to cancel any consumer service within a reasonable timeframe if you have not yet made a claim and coverage has not yet been used in full. Under Section 14 of the Consumer Protection Act, 2019, unfair contract terms that deny you the right to cancel are not binding and are therefore void. This means no issuer can force you to keep a policy you no longer need.
You also have the right to receive clear, truthful information about cancellation terms, refund timelines, any applicable deductions, and the applicable law governing the policy. If the issuing insurer or agent refuses to provide this information in writing, you can escalate to the Insurance Regulatory and Development Authority of India (IRDAI) or your state consumer authority.
Your legal position when requesting cancellation
You are entitled to cancel your policy if: you purchased the policy within India; you have not made a claim; and you submit your cancellation request within the free-look period (typically 14 to 30 days from purchase, depending on the issuer's terms). You may forfeit a portion of the premium only if: the issuer can justify deductions for administrative costs or partial coverage already provided, and these deductions are stated transparently in your policy document. The issuer must respond within: 5 to 10 business days from receipt of your cancellation request, depending on their terms. If they do not respond, you can escalate.
Escalation points if the issuer refuses your cancellation
If the issuing insurer denies your cancellation without reasonable cause or refuses to process it, file a complaint with the Insurance Regulatory and Development Authority of India (IRDAI). You can lodge complaints online via the IRDAI portal (irdai.gov.in) or in writing to their office. The burden of proof falls on the insurer to justify why your cancellation request is invalid.
If the dispute remains unresolved, file a formal complaint with your state's consumer authority or the National Consumer Disputes Redressal Commission (NCDRC) if the claim exceeds the relevant monetary threshold. Yafee advises keeping all communication in writing, documenting every date, and preserving copies of emails, SMS confirmations, and policy documents.
How to identify the actual issuing insurer
Before you submit a cancellation request, you must identify who actually issued your policy.
Locate your policy document
- Check your email inbox for the original policy purchase confirmation or policy document.
- Search for "policy", "Cover-More", "insurance", and "confirmation" in your email search bar.
- Look for subject lines containing "Your travel insurance policy is ready" or similar language.
- If you cannot find the email, log into the website or app where you purchased the policy.
- Navigate to "My Policies", "Purchase History", or "Active Policies".
- Download or view your policy document directly from your account dashboard.
- If you purchased through a travel booking website (such as Makemytrip, Cleartrip, or a similar platform), log into that account and check their travel insurance section.
- These platforms often house your policy documents under "Add-ons" or "Insurance".
Identify the issuing insurer's name
- Open your policy document and scan the first page or the "Policy Schedule" section.
- Look for text that reads "This policy is underwritten by [Company Name]" or "Issued by [Company Name]".
- The actual issuer's name will often appear next to their logo or registration number.
- Note the issuer's name, policy number, and any customer service contact details listed in the document.
- Common travel insurance issuers in India include ICICI Lombard, HDFC Ergo, Reliance General, and Bajaj Allianz.
- If the issuer is still "Cover-More" or "Cover-More India", contact Yafee support to verify the current issuer status, because the company may have transferred its existing policies to another licensed insurer in India.
- Yafee maintains updated records of issuer transfers and can advise you on the correct cancellation address.
Step-by-step cancellation procedure
Once you have identified the issuing insurer, follow these steps to submit your cancellation request in compliance with Indian consumer law.
Gather all required documents
- Collect the following information before you contact the insurer:
- Your policy number (printed on your policy document).
- Your full name and date of birth (as they appear on the policy).
- Your contact email address and phone number.
- The date you purchased the policy.
- The date you are submitting your cancellation request.
- A brief reason for cancellation (optional, but helpful for documentation).
- Ensure you have access to the policy document itself, because the issuer will likely ask you to confirm specific details from it.
- Have the document open in front of you or printed.
Submit your cancellation request in writing
- Send your cancellation request via email to the issuing insurer's customer service email address.
- Do not cancel via phone or chat alone, because you need a written record for your legal protection.
- Use the email address listed in your policy document under "Customer Service" or "Policy Support".
- Compose a clear email with the following structure:
- Subject line: "Request for policy cancellation - [Your Name] - Policy No. [XXXX]"
- Body: State that you wish to cancel your travel insurance policy, provide your policy number, confirm your contact details, and state the date of the cancellation request.
- Closing: Request written confirmation of receipt within 24 hours and a refund timeline within your response.
- If email is not available, send your request via registered post or courier to the insurer's registered office address.
- Include your policy number, full name, and signature on the letter.
- Request a delivery receipt and keep a copy for your records.
Track your cancellation status
- After you submit your request, note the date and time of submission.
- If submitting by email, check your sent folder to confirm the email was delivered.
- Wait for the insurer's acknowledgment email, which should arrive within 24 hours.
- If you do not receive an acknowledgment within 24 hours, resend your request and mark it "URGENT".
- The insurer must process your cancellation and communicate the refund amount within 5 to 10 business days (depending on their policy terms).
- Make a note of this timeline and follow up if the insurer does not respond.
Escalate if the insurer does not respond
- If the issuer does not acknowledge your request within 24 hours, escalate to their complaint management team.
- Send a follow-up email marked "URGENT - COMPLAINT ESCALATION".
- Reference your original cancellation request and state the date you submitted it.
- If the issuer refuses to process your cancellation or does not respond within 10 business days, file a formal complaint with the Insurance Regulatory and Development Authority of India (IRDAI).
- Visit irdai.gov.in and navigate to their online complaints portal.
- Provide your policy number, the issuer's name, your cancellation request details, and dates of all communication attempts.
Understanding refund timelines and deductions
Your refund depends on the insurer's terms and the point at which you cancel.
Free-look period refunds (full or near-full refund)
If you cancel within the free-look period (typically 14 to 30 days from purchase, depending on the issuer), you are entitled to a full or near-full refund. Many issuers in India deduct only a nominal administration fee (usually less than ₹100 to ₹500) during this period. Check your policy document for the exact free-look period stated by your issuer.
Refunds after the free-look period
If you cancel after the free-look period but before your trip begins, your refund will be reduced by the insurer's administrative costs and any portion of the premium already earned (based on the coverage period that has elapsed). For example, if you purchased a 30-day policy and cancel on day 15, the insurer may deduct 50% of the premium. The exact calculation depends on your issuer's policy terms.
Refund payment method and timeline
Once the issuer approves your cancellation, they will process your refund within 7 to 14 business days. Most issuers refund to the original payment method (credit card, debit card, or net banking account). Request confirmation of the refund amount and the expected date in your cancellation request.
Common mistakes to avoid when cancelling
Cancelling your travel insurance is straightforward, but these missteps can delay your refund or undermine your legal position.
Submitting cancellation via phone or chat only
Never cancel your policy over the phone without following up with a written email confirmation. Customer service representatives may fail to log your request in their system, or dispute may arise about what you agreed to. Always send a written email to the insurer's customer service address after any phone conversation, stating that you are confirming your verbal cancellation request submitted on [specific date and time].
Missing the free-look period deadline
The free-look period is typically 14 to 30 days from the date of purchase. If you miss this window, you will receive a reduced refund. Calculate the deadline immediately after purchase and mark your calendar. If you are unsure of the exact free-look period, contact the issuer within 7 days of purchase to confirm it.
Failing to provide clear identification details
The insurer must match your cancellation request to your policy. If you provide incomplete or mismatched information (for example, a different spelling of your name, or an incorrect policy number), your request may be rejected or delayed. Always double-check your policy number and name against your policy document before submitting.
Not documenting all communication
Keep copies of every email, SMS confirmation, and postal receipt related to your cancellation. If a dispute arises about whether the insurer received your request, or about the refund amount, these documents are your legal evidence. Yafee advises maintaining a simple spreadsheet with dates, methods of submission, and any responses received.
What happens after your policy is cancelled
Once the insurer confirms your cancellation, your policy is terminated and your travel insurance coverage ends immediately.
Confirmation of cancellation
The issuer will send you a written confirmation email stating that your policy has been cancelled and the refund amount. This confirmation will include the refund amount, the date the refund will be processed, and the payment method. Keep this confirmation email for your records, because it proves cancellation and serves as evidence if the refund does not arrive within the stated timeline.
Refund arrival and verification
Monitor your bank account for the refund, which should arrive within 7 to 14 business days of the cancellation confirmation. If the refund does not arrive within this timeframe, contact the issuer's customer service team with your confirmation email and bank details. Request an update on the refund status and the expected arrival date.
Ensuring you are not charged after cancellation
Verify that no further charges are deducted from your account after the cancellation date. If the issuer attempts to charge you after you have cancelled, dispute the charge immediately with your bank and file a complaint with the IRDAI. This is uncommon, but Yafee recommends checking your bank statement for at least one billing cycle after cancellation to confirm.
Cancellation comparison table for common scenarios
| Scenario | Refund percentage | Timeline to refund | Action required |
|---|---|---|---|
| Cancel within free-look period (14-30 days) | 90-100% (minus admin fee) | 7-14 business days | Submit cancellation in writing immediately |
| Cancel after free-look, before trip | 50-80% (pro-rata deduction) | 7-14 business days | Submit cancellation in writing; request refund breakdown |
| Cancel after trip has started | 0% (no refund) | N/A | Policy cannot be cancelled; coverage remains active |
| Issuer does not respond within 10 days | Varies (escalation required) | 15-30 days (with IRDAI) | File complaint with IRDAI; include all evidence |
How to contact the issuing insurer
You must contact the issuer directly, not Cover-More, because Cover-More no longer issues travel policies in India.
Identify the correct contact address
Your policy document will list the issuer's customer service contact details. Look for email, phone, and postal address under "Customer Service" or "Contact Us". If your policy was distributed through a booking platform (such as Makemytrip or Cleartrip), you may also contact the platform's customer service team, and they will forward your cancellation request to the issuer on your behalf.
Using yafee to verify the issuer and find contact details
If you are unsure which insurer issued your policy or cannot locate their contact details, Yafee maintains an updated directory of all travel insurance issuers operating in India. Visit yafee.com and search for your issuer's name, and Yafee will provide verified contact details, typical refund timelines, and any known issues with that issuer's cancellation process. Yafee has helped thousands of consumers cancel their travel insurance by providing accurate issuer information and step-by-step guidance.
Checklist for cancelling your travel insurance
- Locate your policy document or purchase confirmation email.
- Identify the actual issuing insurer's name from your policy document.
- Note your policy number, full name, and purchase date.
- Calculate the free-look period deadline (typically 14-30 days from purchase).
- Compose a clear cancellation request email with subject line "Request for policy cancellation - [Your Name] - Policy No. [XXXX]".
- Send your cancellation request to the issuer's customer service email address listed in your policy document.
- Request written confirmation of receipt within 24 hours.
- Document the date and time of submission and keep a copy of the email.
- Wait for the issuer's acknowledgment and refund timeline (typically 5-10 business days).
- If the issuer does not respond within 10 business days, escalate to the Insurance Regulatory and Development Authority of India (IRDAI).
- Monitor your bank account for the refund within 7-14 business days of cancellation confirmation.
- Verify that no further charges are deducted after the cancellation date.
Summary and next steps
Cover-More no longer issues travel insurance policies directly to Indian consumers, but your cancellation rights remain robust under India's Consumer Protection Act, 2019 and the Insurance Regulatory and Development Authority of India (IRDAI) framework. The critical first step is identifying the actual issuer of your policy from your policy document. Once you know the issuer, submit your cancellation request in writing via email to their customer service team, keep copies of all communication, and escalate to the IRDAI if the issuer does not respond within 10 business days. Your refund will depend on whether you cancel within the free-look period, but you are entitled to a proportional refund under law if you have not made a claim or used your coverage in full. Yafee has helped thousands of consumers navigate travel insurance cancellations in India by providing verified issuer information, step-by-step guidance, and escalation support. Visit yafee.com today to verify your issuer, track your cancellation status, and ensure you receive your full entitled refund within the legal timeline.
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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