Refund Policy

Many travel insurance plans include a Free Look Period (also known as a Review Period), allowing you to review your policy after purchase.

If your policy includes a Free Look Period, you may request a full refund provided that:

• You cancel your policy within the applicable review period specified by the insurance provider.
• Your trip has not started.
• No claim has been filed.
• No incident has occurred or is likely to give rise to a claim.
• The policy terms permit cancellation.

The length of the Free Look Period varies by insurance provider and state or country regulations.

Once the Free Look Period has expired, premiums are generally non-refundable, unless otherwise permitted by the insurance provider's policy terms.

Refund eligibility is determined solely by the insurance company issuing the policy.

Refunds are generally not available if:

• Your trip has already begun.
• A claim has been submitted or paid.
• An event has occurred that may result in a claim.
• The policy specifically states that premiums are non-refundable.
• The cancellation request falls outside the insurer's permitted cancellation period.

To request a cancellation or refund, please contact our customer support team as soon as possible and provide:

• Policy Number
• Traveler Name
• Date of Purchase
• Reason for Cancellation

Our team will forward your request to the applicable insurance provider and assist throughout the process.

If a refund is approved by the insurance provider:

• Refunds will be issued to the original payment method whenever possible.
• Processing times generally range from 7 to 15 business days, depending on the insurance provider and your financial institution.
• MyCoverageClub does not control the timing once the refund has been initiated by the insurer.

Requests to change travel dates, traveler information, destination, or coverage are subject to the insurance provider's underwriting guidelines. Some policies may allow modifications, while others may require cancellation and the purchase of a new policy.

MyCoverageClub, operating under AltitudeWings LLC, acts as an authorized retailer of travel insurance products offered by third-party insurance providers. We facilitate policy purchases and assist customers with policy-related inquiries and cancellation requests. Final decisions regarding refunds, cancellations, claims, and policy administration are made by the issuing insurance company in accordance with the policy's terms and conditions.