nrma travel insurance refund

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Can You Get a Refund on Travel Insurance?

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Sometimes travel plans don’t go as expected. For this reason, many travelers purchase a travel insurance policy before a trip begins. Travel insurance can help you avoid losing money by reimbursing you for pre-paid travel costs for covered incidents when your travel plans get disrupted, and you qualify for a covered reason.

While travel insurance can be beneficial, you may wonder, can you cancel travel insurance and get a refund if you change your mind? In some situations, you may be able to cancel your travel insurance policy and get an insurance premium refund. We’ve outlined the essential details below so you know what to expect if you need a refund.

» Learn more: What to know before buying travel insurance

Can you get a travel insurance refund?

Yes, getting a travel insurance refund is possible, depending on when you cancel the policy. To qualify for a premium refund, most insurance companies require the policy to be canceled during the review period outlined in the policy terms.

Otherwise, you won’t be eligible for a refund on your travel insurance. That’s why paying attention to this timeline is essential when buying coverage.

Some insurers call this timeframe a money-back guarantee period, while others call it a review or free look period. The timing varies by policy and insurer, but it’s often between 10 to 15 days.

This period gives travelers time to review the policy documents to ensure it meets their coverage needs. If your travel insurance policy has a money-back guarantee or review period, you can cancel for any reason and receive a full refund within the timeframe if you haven’t filed a claim or departed for your trip yet.

But you won’t get a premium refund if you cancel your policy after the review period. Reviewing the policy terms before purchasing a travel insurance policy is recommended so you know what to expect before buying coverage. You can find details regarding this review timeline in the policy paperwork.

To qualify for a refund when canceling your policy during the review period outlined in your travel insurance policy, you must not have filed a claim or started your trip yet.

» Learn more: What is travel insurance?

Do you qualify for a refund if your trip is delayed or canceled?

You may wonder, is travel insurance refundable if the trip is canceled? Many comprehensive travel insurance policies include trip delay, trip interruption and trip cancellation coverage.

You must meet the conditions of the coverage outlined in your policy and have a covered reason to qualify for reimbursement for prepaid, nonrefundable trip costs or additional trip expenses that occur due to covered delays, interruptions, and cancellations. But you won’t be eligible for a refund of travel insurance policy premiums.

» Learn more: Trip cancellation insurance explained

CFAR travel insurance add-on offers greater flexibility

If you want a more flexible solution, you may want to add Cancel For Any Reason travel insurance (CFAR) coverage to your travel insurance policy.

Some travelers prefer the added protection that CFAR coverage offers. This supplemental coverage costs extra but provides more flexibility for cancellations. However, not every insurance company offers it. You should also be aware that many insurance providers require this coverage to be purchased within a set number of days of making your initial trip payment.

CFAR coverage can provide a partial refund for eligible nonrefundable prepaid travel expenses. You can cancel for any reason, as the name suggests, but you must cancel within the timeframe listed in your policy.

Canceling the day of, for example, is usually not allowed. Many insurers require travelers to cancel at least two days before their trip to qualify for a partial refund.

» Learn more: The guide to Cancel for Any Reason travel insurance

Reasons why a traveler might cancel their travel insurance policy

Some travelers cancel their travel insurance policy because it doesn’t meet their needs. During the review period mentioned above, travelers should review the terms and conditions to ensure the chosen policy meets their expectations and is a good fit for their trip.

But that’s not the only reason a traveler might consider canceling their policy. Some travelers may wish to cancel their insurance policy if they’ve decided they no longer want to take a trip due to work schedule changes, sickness or other personal reasons.

To cancel and be eligible for reasons like sickness or job schedule changes, travelers need CFAR coverage in their travel insurance policy to receive a partial refund for eligible prepaid trip costs.

» Learn more: How to find the best travel insurance

How to cancel a travel insurance policy

Contact your insurance company directly to cancel your travel insurance policy. Some insurance providers allow you to cancel your coverage online or by phone. But some insurers require policyholders to cancel their insurance policy in writing. Your best bet is to check with your insurer to learn more about the cancellation process.

Final thoughts regarding a travel insurance refund

If you plan to purchase a travel insurance policy for your next trip, review all policy terms so you can decide early on if it’s the right coverage for you. You will also want to know the outlined timeline to cancel if necessary.

If you want to boost your coverage and be eligible for a partial refund if you get sick or change your plans before departing for your trip, you may want to consider adding CFAR coverage to your policy. Doing this can give you greater peace of mind and more flexibility.

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Updated 15 July 2021

As COVID-19 continues to impact our communities, we have a range of measures in place to continue to protect our people, customers and the wider community, and this will continue to be based on the latest health and safety advice.  

Customer support initiatives

We have a range of measures available to help our customers who are experiencing financial difficulties due to COVID-19.

This support is available to our NRMA Insurance, CGU, SGIO, SGIC, and WFI home, motor and small business insurance customers experiencing financial hardship due to COVID-19.

The measures are designed to suit the unique situation of individual customers and include:

• Access to premium reductions
• The option to change premium payments from annual to pay by the month instalments for no additional cost
• Reduced or waived excess amounts in the event of a claim
• Waived cancellation and administration fees for customers who cancel their policies, including refunds on the unused proportions of premiums
• Travel insurance refunds where customers are unable to travel due to COVID-19 restrictions, and have not yet travelled or made a claim

Financial hardship

We understand that our customers may be experiencing financial hardship right now due to impacts of COVID-19. In addition to the specific measures that we’ve announced, our customer service team can provide our customers with different options to help them with their current situation.

We encourage our customers who may be facing hardship to contact us to discuss their options:

• NRMA Insurance: 132 132 or www.nrma.com.au
• CGU Insurance: 13 24 81 or www.cgu.com.au
• SGIO: 133 233 or www.sgio.com.au
• SGIC: 133 233 or www.sgic.com.au
• WFI: 1300 934 934 or www.wfi.com.au
• Coles Insurance: 1300 265 374 or  www.coles.com.au/insurance
• IAL: Speak to your insurance broker

Customer counselling

Our customers are able to access a free and confidential phone counselling service provided by an independent psychological services organisation engaged by IAG, called Assure.

These services are delivered by a qualified team of psychologists with experience in specialised counselling and post incident support.

To access this offer and for further details, our customers can call us or contact us online through our brand websites.

Travel insurance customers

IAG provides travel insurance policies under our NRMA Insurance, CGU, SGIO and SGIC brands.

We have updated our travel insurance to reflect the latest Government advice on both international and domestic travel. We encourage customers to visit the Smart Traveller website for the latest advice.

Customers who have purchased a travel insurance policy under one of our brands should visit our websites or contact us to ensure they understand their policy and what coverage they have. This will depend on the policy, when it was purchased and their intended travel date.

To help customers whose travel has been impacted by the COVID-19 pandemic, we are currently offering refunds on insurance premiums for travel insurance policies under our CGU, NRMA Insurance, SGIO and SGIC brands.

For information on eligibility or to request a refund, customers should visit:

• www.nrma.com.au/travel-insurance-refund
• www.sgic.com.au/travel-insurance-refund
• www.sgio.com.au/travel-insurance-refund
• www.cgu.com.au/travel-insurance-refund

Assessing claims

To protect our people and our customers we are continuing to use our virtual assessing processes – for example using a live video assessment. This has been designed to minimise face-to-face interaction for customers who have made claims. Our assessors will be contacting customers to arrange virtual assessments.

If we’re unable to provide our virtual assessing services, we will be asking our assessors and customers appropriate screening questions before our people visit customers.

Our assessors will also use appropriate Personal Protective Equipment and follow the appropriate health and safety advice of authorities.

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If your business has been affected by COVID-19 and you have business interruption cover, talk to us about making a claim on 132 818 .

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Bendigo and Adelaide Bank Limited (ABN 11 068 049 178 Australian Financial Services License (AFSL) and Australian Credit Licence (ACL) 237879) is the credit provider for NRMA Home Loans. Credit services are provided by Tiimely Pty Ltd (ABN 41 605 696 544) and Australian Credit Licence (ACL) 496431). Insurance Australia Limited (IAL) trading as NRMA Insurance (ABN 11 000 016 722) a member of Australian Financial Complaints Authority (AFCA) does not hold an Australian Credit Licence (ACL). IAL may receive a commission from Bendigo and pay a commission to Tiimely if your loan application is approved.

If your policy number starts with 72, your policy is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (“ZAIL”): Cover-More Insurance Services Pty. Ltd. (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as NRMA Insurance will arrange for the issue of NRMA Travel Insurance. For more information, read the Product Disclosure Statement (PDS) .

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Want to find out about your refund?

We're here to help.

If you’d like more information about your refund, we’re here to answer your questions.

If we've asked you to provide payment details to process your refund, you can do so by contacting us using the details provided below.

To protect your privacy and security you will be asked to complete a verification check so we can confirm we are speaking to the correct person.

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If you have any questions about the refund, contact us at [email protected] .

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Call 1300 064 698

Have a question? We can help

Why did you refund customers.

Through an internal review of our pricing systems and processes, we identified some benefits such as premium reductions or discounts may not have been applied in line with promises made. 1

How do I know if my policies were affected?

We have already contacted current and former customers with affected policies to provide more information and a refund. If we have contacted you and if you have any questions about your refund, please contact us.

What if my details have changed since I held a policy with you?

If you have changed your email, mailing address or bank details since you held your policy, please contact us.

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If you wish to make a complaint about this matter, you can contact us on  1300 064 698 . For further information about our complaint and dispute handling process, please visit the Complaints and resolutions page.

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1 If your refund relates to something else, such as a change or cancellation to your policy, please call us on 133 233 (7am–8pm).

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