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Frequently asked questions
Cancel Anytime Travel Insurance: The Right Way
How to cancel Anytime Travel Insurance and recover your money in malaysia
What is Anytime Travel Insurance
Anytime Travel Insurance is an annual travel cover product that applies across multiple international trips within a single policy year, rather than requiring you to buy separate policies for each journey.
The two plan options and how they differ
Anytime offers two core plan tiers: AnyTime30 and AnyTime45. The number in each plan name refers to the maximum number of covered days per individual trip within your yearly coverage period. AnyTime30 covers trips up to 30 days each, while AnyTime45 extends that limit to 45 days per trip. Both plans renew annually, meaning you pay once per year for continuous cover across all your international travel during that 12-month window.
The practical difference matters significantly if you travel frequently for work, family visits, or extended holidays. A single 45-day policy is more cost-effective than buying multiple 30-day policies if your trips regularly exceed one month. Conversely, if most of your journeys are shorter, AnyTime30 keeps your annual premium lower.
Pricing and how charges appear on your card in malaysia
Anytime publishes its pricing in United States dollars. The visible annual rates are USD $299.00 for AnyTime30 and USD $399.00 for AnyTime45. Using the standard conversion rate of approximately RM4.72 per USD, this translates to approximately RM1,411 and RM1,883 respectively. These are not low-cost premiums by Malaysian market standards, and you will receive charges in foreign currency on your card statement, which your bank will convert at its own rate.
Because pricing is set in dollars, the ringgit amount may fluctuate slightly each year depending on exchange rates at the time of your renewal charge. Keep records of both the dollar and ringgit amounts charged to track the true cost of your cover.
Support availability and the time-zone challenge for malaysia users
Anytime's published customer support operates Monday to Friday, 9:00 AM to 5:00 PM Greece time only. Malaysia is typically 5 to 6 hours ahead of Greece depending on seasonal changes there, which means the practical overlap for reaching support during Malaysian business hours is narrow - usually mid-afternoon to evening Malaysia time. If you need urgent assistance before a billing date or an upcoming trip, contacting them close to business hours in Malaysia may mean longer response times.
Support contact details are telephone 210 94 60000 and email [email protected]. No live chat function is currently listed. Language support may also vary, so prepare your policy number and account details clearly before reaching out.
Your legal rights as a consumer in malaysia
Your rights to cancel Anytime Travel Insurance are grounded in Malaysian consumer protection law, primarily the Consumer Protection Act 1999 and the Consumer Protection (Direct Sales) Regulations 2009, both administered by the Ministry of Domestic Trade and Consumer Affairs (MDTCA).
The consumer protection act 1999 and your cancellation rights
Under Section 112 of the Consumer Protection Act 1999, you have the statutory right to cancel a distance contract (which includes online subscriptions) within a cooling-off period. The standard period is 10 days from the date of the contract, or from the date you receive the policy document or terms and conditions, whichever is later. This right exists unless the contract itself explicitly states a shorter period - which Anytime's published terms do not clearly display, a red flag in itself.
Furthermore, if Anytime fails to provide clear pre-purchase terms, cancellation procedures, or refund conditions, this violates your rights under Schedule 1 (Unfair Terms in Consumer Contracts) of the same Act. The law requires that all material terms be transparent, prominent, and in plain language. Vague or hidden cancellation policies are deemed unfair and unenforceable.
Beyond the cooling-off period: ongoing contract rights
Once the initial 10-day cooling-off period expires, you retain the right to cancel at any time, provided you give reasonable notice and comply with the cancellation method specified in the contract. The Consumer Protection Act 1999 does not permit companies to lock you into indefinite automatic renewals without explicit, informed consent. In other words, Anytime cannot legally charge your card after you cancel, even if they claim you agreed to an auto-renewal clause.
If Anytime charges your card after you submit a cancellation request, you can dispute the charge through your bank and escalate the matter to the MDTCA if Anytime refuses to refund the unauthorized charge. Yafee recommends documenting all cancellation requests in writing and keeping copies of your bank statements as evidence.
Your legal position when disputing a charge
If Anytime continues to bill you after cancellation or refuses to honor your refund request, your legal position is strong. Under the Consumer Protection Act 1999, the company bears the burden of proving that you authorized the charge and that you did not submit a valid cancellation request. You do not have to prove your case first. If your cancellation notice was sent by email to the address they published ([email protected]), you have a dated record. Yafee advises keeping that email and any response as proof of your communication.
Methods to cancel Anytime Travel Insurance
Anytime provides limited publicly documented cancellation options, which itself is a compliance concern under Malaysian consumer law.
Cancellation via your online account
If you manage your policy through a web portal or mobile app, look for a self-service cancellation option. Sign in to your account and navigate to sections labeled My Policy, Account Settings, Billing, or Subscription Management. Anytime's website structure does not publish exact menu names, but most insurers follow this pattern. If a cancel button exists and you click it, you may see a confirmation page or email shortly afterward. Screenshot both the request page and any confirmation message for your records.
Cancellation by email
Email is the most documented route for formal cancellation requests. Compose a clear email to [email protected] with the subject line "Cancellation Request - Policy [Your Policy Number]" and include the following details: your full name, policy number, the plan name (AnyTime30 or AnyTime45), your account email address, the reason for cancellation (optional but helpful), and the date from which you want the cancellation to take effect. Send the email using a method that provides proof of delivery, such as Gmail's read receipt or by requesting a delivery confirmation from your email provider.
Cancellation by telephone
Call the Anytime support line at 210 94 60000 during their published hours (Monday to Friday, 9:00 AM to 5:00 PM Greece time). Given the time-zone difference, plan to call during late afternoon Malaysia time for the best chance of reaching someone during their business hours. Have your policy number, account email, and payment method details ready. Ask the support agent to confirm your cancellation request in writing via email, and record the agent's name and the time of the call. Follow up with an email repeating the details of your phone conversation to create a written trail.
Step-by-step guide to cancel Anytime Travel Insurance
This structured process reduces the risk of billing confusion and ensures you have evidence of your cancellation intent.
Step 1: gather your policy and payment information
- Screenshot your account dashboard showing your active plan name and policy number.
- Write down your policy number, plan name (AnyTime30 or AnyTime45), and the email address linked to your account.
- Note the date of your last charge and the amount in both USD and MYR.
- Identify your next expected billing date - typically one year from your last renewal.
- Save a copy of your most recent bank or credit card statement showing the Anytime charge.
- Keep the last four digits of your payment card for reference.
Step 2: choose your cancellation method and prepare your message
- If a self-service web cancellation option is visible in your account, use that first - it provides immediate confirmation and leaves a digital footprint within their system.
- If no web option appears, proceed to email (most reliable for Malaysia-based users due to time-zone constraints).
- Draft your cancellation email with the following structure:
- Subject: "Cancellation Request - Policy [Your Policy Number]"
- Opening: "I wish to cancel my Anytime Travel Insurance policy effective [date you want it to end, typically immediately or 14 days from now]."
- Body: Include your full name, policy number, plan name, account email, and request that they confirm the cancellation in writing.
- Closing: "Please confirm receipt and the cancellation date. Send confirmation to [your email address]."
- Yafee recommends requesting an effective cancellation date no later than the day before your next scheduled renewal billing date to avoid a final charge.
Step 3: submit your cancellation request
- If using the web account method: Click the cancel button, review any confirmation screen, and screenshot it. Note the exact time and date shown.
- If using email: Send your prepared cancellation message to [email protected] using a method that provides proof of delivery (Gmail read receipt, registered mail, or email tracking tool). Copy the exact delivery timestamp.
- If using telephone: Call 210 94 60000 during their operating hours. Confirm you are speaking to a named agent, state your cancellation request clearly, and ask them to send a written confirmation to your email address. Note the agent's name, call time, and any reference number they provide.
- After submission, wait for a written acknowledgment from Anytime within 3 to 5 business days.
Step 4: follow up if you do not receive confirmation
- If no email confirmation arrives within 5 business days, send a follow-up email to [email protected] with the subject "Cancellation Confirmation Required - Policy [Your Policy Number]" and include your original cancellation request date.
- Reference your original email by date and time to establish a clear timeline.
- Request that they reply within 48 hours with a written cancellation confirmation or the reason for non-cancellation.
- Yafee advises saving all follow-up correspondence for evidence if you need to escalate to the MDTCA.
Step 5: monitor your next billing date
- Mark the date of your next scheduled renewal on your calendar (typically 365 days from your last charge).
- Check your bank or credit card statement closely on and around that date.
- If Anytime charges your card after you submitted a cancellation request, this is an unauthorized charge and grounds for a dispute.
- Take a screenshot of the charge on your statement immediately.
- Contact your bank and file a chargeback or dispute, citing your cancellation request as evidence that you did not authorize the renewal charge.
Refund policy and what to expect after cancellation
Malaysian law requires that cancelled subscriptions result in a refund of any charges made after your cancellation date, or a credit against future charges if the cancellation occurred mid-cycle.
Timing and method of refund
Anytime's published terms do not explicitly state a refund timeline, which again raises compliance concerns. Industry standard in Malaysia is 7 to 14 business days for refunds processed to the original payment method. Your bank may require an additional 3 to 5 business days to credit the funds to your account. In total, expect 2 to 3 weeks from the date Anytime issues the refund.
Refunds are issued to your original payment card or account - not as a direct bank transfer unless you made a direct transfer when purchasing. If the refund does not appear within 21 days, contact Anytime again to confirm the refund status and request proof of the refund transaction.
Pro-rata refunds and partial month charges
If you cancel before the end of your current policy year, you are entitled to a pro-rata refund based on the unused portion of your coverage. For example, if you cancel 6 months into a 12-month AnyTime30 annual policy, you should receive a refund equivalent to 50 percent of your annual premium. Yafee recommends calculating this refund yourself using the original charge amount and the proportion of the year elapsed, then comparing it to what Anytime refunds. If the amount is incorrect, escalate the dispute to the MDTCA.
Common mistakes to avoid when cancelling
Cancellation disputes are often avoidable with clear planning and attention to detail.
Mistake 1: cancelling too close to the renewal billing date
If you submit your cancellation request on the same day as your automatic renewal charge, Anytime may argue that the charge was processed before your cancellation was received. Send your cancellation request at least 7 to 14 days before your next billing date to create a clear window. Yafee has helped thousands of consumers cancel subscriptions by building this safety margin into their timeline, preventing unwanted charges altogether.
Mistake 2: not documenting the cancellation in writing
Verbal cancellations over the phone are difficult to dispute if Anytime later claims they never received the request. Always follow a phone conversation with a written email confirming the details discussed. This email becomes your evidence if the matter escalates to the MDTCA or your bank's dispute team.
Mistake 3: deleting confirmation emails or cancellation records
Keep all emails from Anytime, your cancellation requests, screenshots of your account, and bank statements for at least one year after cancellation. These documents are critical if you need to file a dispute or lodge a complaint with the MDTCA. Many people delete these files to clean up their inbox, only to discover they need them weeks later when a surprise charge appears.
Mistake 4: assuming cancellation is complete without written confirmation
The absence of a confirmation email does not mean your cancellation was processed. Always wait for explicit written acknowledgment from Anytime before marking your subscription as cancelled. If you receive no confirmation within 5 business days, treat the cancellation as unconfirmed and escalate.
What to do after your cancellation takes effect
Cancellation does not end after you receive confirmation - monitoring your account protects you from surprise charges and errors.
Monitor your final billing cycle
After your cancellation date passes, check your bank or credit card statement for the next 60 days. If Anytime charged your card despite your cancellation, you have clear grounds for a dispute. File a chargeback with your bank immediately, citing your cancellation request and the unauthorized charge as evidence. Your bank will investigate and typically refund the charge within 30 days while they resolve the dispute with Anytime.
Verify your online account is inactive
Sign in to your Anytime account (if access remains available after cancellation) to confirm that your policy status shows as "Cancelled" or "Inactive" rather than "Active" or "Pending Renewal". If it still shows as active, contact Anytime immediately to request manual termination. A policy marked as active in their system is a risk factor for accidental renewal charges.
Escalate to the MDTCA if needed
If Anytime refuses to honour your cancellation, continues to charge your card, or provides a refund that is significantly lower than the pro-rata amount you are entitled to, lodge a formal complaint with the Ministry of Domestic Trade and Consumer Affairs (MDTCA). You can file a complaint online through their portal or visit a local MDTCA office. Provide all your cancellation requests, confirmation emails, bank statements, and calculations of the refund you should have received. The MDTCA will investigate and can order Anytime to refund the full amount, plus compensation if they acted in bad faith.
Pricing comparison and whether cancellation is worth pursuing
Before you cancel, understand what you are paying for and whether the refund justifies the cancellation effort.
| Plan name | Annual premium (USD) | Annual premium (MYR approx.) | Max. days per trip | Monthly cost equivalent (MYR) |
|---|---|---|---|---|
| AnyTime30 | $299.00 | RM1,411 | 30 | RM118 per month |
| AnyTime45 | $399.00 | RM1,883 | 45 | RM157 per month |
When cancellation makes sense
Cancel if you have not travelled in the past 6 months and do not anticipate travel in the next 6 months. The annual premium is sunk cost - once paid, it is gone - but you can prevent future charges by cancelling now. If your next trip is within 3 months, the remaining coverage may still have value, in which case keeping the policy active could be more cost-effective than cancelling and rebooking cover with a different provider.
When you should keep the policy
Retain your Anytime cover if you have planned travel within the next 6 months and the coverage you need (30 or 45 days per trip) aligns with your itinerary. The annual cost, though high, is often cheaper than purchasing separate single-trip policies for multiple journeys. Additionally, since you have already paid for the year, the marginal cost of using it is zero.
Checklist for a successful cancellation
Use this checklist to ensure you follow every critical step and leave no room for error or dispute.
- Screenshot your account showing your policy number and plan name.
- Write down your next expected renewal billing date.
- Save your most recent bank statement showing the Anytime charge in MYR.
- Compose a clear written cancellation request (email draft prepared).
- Submit the cancellation request at least 7 to 14 days before the renewal date.
- Use a delivery method that provides proof of receipt (email read receipt or tracking).
- Save the time and date of your cancellation submission.
- Wait for a written confirmation from Anytime within 5 business days.
- If no confirmation arrives, send a follow-up email on day 6.
- Mark your renewal billing date on your calendar and check your bank statement closely.
- If an unauthorized charge occurs, file a chargeback immediately with your bank.
- Keep all cancellation correspondence for one year.
- Monitor your account status to verify it shows as "Cancelled" or "Inactive".
Contact details and escalation routes
If standard cancellation fails, use these routes to escalate your complaint and protect your rights.
Anytime Travel Insurance contact information
Email: [email protected]
Telephone: 210 94 60000 (Monday to Friday, 9:00 AM to 5:00 PM Greece time)
Website: anytime.gr
Ministry of domestic trade and consumer affairs (MDTCA)
If Anytime refuses to cancel your policy, refund your money, or honor the cancellation and continues to charge your card, lodge a formal complaint with the MDTCA. You can file a complaint online through their official consumer complaints portal or visit a consumer claims tribunal office in your state. Provide all documentation: your cancellation request, confirmation emails, bank statements, and any correspondence with Anytime. The MDTCA will investigate and can issue an enforcement order requiring Anytime to refund the disputed amount plus compensation. Yafee recommends keeping the MDTCA complaint reference number for your records.
Your bank or credit card provider
If Anytime charges your card after you submit a cancellation request, file a dispute or chargeback immediately through your bank's online portal, mobile app, or by visiting a branch. Provide your cancellation request and the unauthorized charge as evidence. Most banks will refund the disputed charge within 30 days while they investigate. This is often faster than waiting for the MDTCA process, though you can pursue both routes simultaneously.
Final summary and next steps
Cancelling Anytime Travel Insurance is straightforward when you follow the documented legal framework and maintain clear communication. Your rights under the Consumer Protection Act 1999 protect you from unauthorized charges and lock-in clauses. Submit your cancellation request in writing, keep proof of that submission, and monitor your bank statement for the next billing cycle. If Anytime refuses to comply, the MDTCA and your bank both have the power to recover your money.
Yafee has helped thousands of consumers cancel unwanted subscriptions and recover unauthorized charges by providing clear, step-by-step guidance grounded in Malaysian consumer law. Whether you are ending your Anytime Travel Insurance due to reduced travel, budget constraints, or better coverage elsewhere, the process outlined here ensures you retain full documentation and legal leverage. Start by gathering your policy details today, send your cancellation request within the next 48 hours, and monitor your account closely over the following months. Your financial protection depends on acting now.
Important warning
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