travel insurance cancellation letter

Letter Templates & Example

How to Write an Effective Cancellation Request Letter for Insurance

Hey there, have you ever found yourself in the unfortunate situation of needing to cancel your insurance policy? Maybe you’ve found a cheaper policy elsewhere or simply don’t need the coverage anymore. Whatever the reason may be, writing a cancellation request letter can be a daunting task. But fear not! We’re here to help. In this article, we’ll provide you with examples of cancellation request letters for insurance that you can use as a starting point. Feel free to edit them as needed to fit your specific situation. Let’s make canceling your insurance policy as smooth and stress-free as possible.

Best structure for a cancellation request letter for insurance

When it comes to canceling an insurance policy, it’s important to provide a clear and concise cancellation request letter to your insurance provider. This way, there will be no confusion about what you want and why you’re canceling the policy. Here are some tips on how to structure your cancellation request letter:

1. Begin with a clear statement of your request.

Your cancellation request letter should start with a clear statement that you want to cancel your insurance policy. Be specific with your request and include the policy number to avoid any mix-ups.

2. Mention the reason why you want to cancel your policy.

You don’t have to include a reason for canceling your policy, but it’s always helpful to do so. This way, your insurance provider can address any issues or complaints you may have and improve their services. You can also mention if you’re switching to a new provider or if you’re no longer in need of this type of insurance coverage.

3. Provide your contact information.

You should provide your contact information in your cancellation request letter so that your insurance provider can contact you if they need to clarify anything. Make sure to include your name, address, phone number, and email address.

4. Request confirmation of the cancellation.

You should ask for written confirmation of the cancellation, including the date that the cancellation will take effect. This way, you’ll have proof that you’ve canceled your policy and can avoid any confusion down the road.

5. Thank the insurance company.

Not only should you thank your insurance provider for their service, but you should also thank them for promptly canceling your policy. This will help maintain a positive relationship with your insurance company and could help you in the future if you decide to renew your coverage.

By following these tips, you can structure a cancellation request letter that is clear, concise, and respectful. This will help ensure a smooth and hassle-free cancelation process.

7 Sample Cancellation Request Letters for Insurance

Medical cancellation request letter.

Dear Insurance Provider,

I am writing to request the cancellation of my medical insurance policy effective immediately. Due to recent changes in my financial situation, I am unfortunately unable to continue paying for this policy.

I have appreciated the coverage your policy has provided in the past and hope that I will be able to renew it at a later time. Thank you for your understanding in this matter.

[Your Name]

Travel Cancellation Request Letter

I am writing to request the cancellation of my travel insurance policy. Unfortunately, I have had to cancel my upcoming trip due to unforeseen circumstances and will no longer require coverage.

I appreciate the service your company has provided in the past and hope to use your services in the future. Thank you for your assistance in this matter.

Best regards,

Car Cancellation Request Letter

I am writing to request the cancellation of my car insurance policy, which is due for renewal in one month’s time. I have recently sold my car and will no longer require insurance coverage.

Thank you for providing me with excellent service throughout the duration of my policy and I hope to use your services again in the future.

Kind regards,

Home Cancellation Request Letter

I am writing to request the cancellation of my home insurance policy, which is due for renewal in two months. Unfortunately, I will be moving out of the property in question and will no longer require coverage.

Thank you for your excellent service during my time as a customer and I hope to use your company again for insurance in the future.

Best wishes,

Life Cancellation Request Letter

I am writing to request the cancellation of my life insurance policy. Due to changes in my financial situation, I am unfortunately unable to continue to pay for the policy at this time.

Thank you for the excellent coverage that you have provided to me and my family over the last several years. I hope to be able to renew my policy in the future.

Respectfully submitted,

Pet Cancellation Request Letter

I am writing to request the cancellation of my pet insurance policy, which is due for renewal in the next month. Unfortunately, my pet has passed away and I will no longer require coverage.

Thank you for the excellent service that you have provided during my time as a customer. Should I acquire a new pet in the future, I will definitely consider your services again.

Business Cancellation Request Letter

I am writing to request the cancellation of my business insurance policy. Due to unforeseen circumstances, I am unfortunately unable to continue paying for the policy at this time.

Thank you for your excellent service over the years and the valuable coverage your policy has provided my business. I hope to use your services again in the future.

Tips for Writing a Cancellation Request Letter for Insurance

Canceling an insurance policy can be a tough decision, but sometimes it is necessary. If you have decided to cancel your insurance policy, you will need to write a cancellation request letter to your insurer. Here are some tips to help you write a clear and effective cancellation request letter for insurance:

• Start by addressing the letter to the right person. Make sure you check the spelling of their name and title to avoid any mistakes. It is usually best to address the letter directly to your insurance agent or broker.
• Provide your policy number and the effective date of the cancellation. This will help your insurer identify your policy and ensure that the cancellation is processed correctly.
• Explain why you are canceling the policy. This could be because you have found a better deal elsewhere, or because you no longer require the coverage that the policy offers.
• Be clear and concise in your letter. Keep it simple and to the point, without going into too much detail. This will help your insurer understand your request and respond accordingly.
• Ask for confirmation of the cancellation. This will give you peace of mind that the policy has been canceled and will help you avoid any future charges or payments.
• Include your contact information in the letter so that the insurer can get in touch with you if necessary.
• Consider sending the letter by certified mail or email with a return receipt. This will provide proof of delivery and ensure that your request is received by the insurer.

Writing a cancellation request letter for insurance is an important step in the process of canceling your policy. By following these tips, you can ensure that your letter is clear, concise, and effective.

Cancellation Request Letter for Insurance FAQs What is a cancellation request letter for insurance?

A cancellation request letter for insurance is a letter written by an insurance policyholder requesting the cancellation of their existing insurance policy.

When should I write a cancellation request letter for insurance?

You should write a cancellation request letter for insurance when you want to cancel your existing insurance policy before it expires or is renewed.

Do I need to provide a reason for my cancellation request?

It is not necessary to provide a reason for your cancellation request, but it is recommended to provide one to help your insurer improve their services.

How should I address my cancellation request letter?

You should address your cancellation request letter to the customer service department of your insurance provider.

Should I include any supporting documents with my cancellation request letter?

You can include any relevant documents, such as your insurance policy number, identification details, and proof of payment, to help your insurer process your cancellation effectively.

What is the timeframe for my insurer to process my cancellation request?

The timeframe for your insurer to process your cancellation request may vary but generally, it takes around 30 days for the cancellation to take effect from the date of receipt of your request letter.

Can I get a refund for my remaining insurance premiums after my policy is canceled?

You may be eligible for a pro-rated refund of your remaining insurance premiums after your policy is canceled. However, the amount refunded and the timing of the refund may vary depending on your insurer’s policies.

Hope you enjoyed our article!

We hope this article on cancellation request letter for insurance has been informative and helpful to you. Remember, if you ever need to cancel your insurance policy, it’s important to do it in writing and keep a copy for your records. Thank you for taking the time to read our content, and please come back again for more helpful tips and advice in the future. Happy canceling!

Sample Cancellation Letter for Life Insurance Policy: How to Effectively Cancel Your Policy Sample Letter to Cancel Insurance Policy: Tips and Templates How to Write an Effective Cancel of Insurance Policy Letter: Tips and Examples How to Write an Effective Letter to Cancel Life Insurance Policy: Tips and Samples A Step-by-Step Guide to Writing a Cancellation Letter for Insurance Policy Sample Letter to Cancel Health Insurance Coverage: A Comprehensive Guide

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Travel Insurance Cancellation Letter (Free Sample) Use this sample travel insurance cancellation letter as a template for your formal cancellation letter. Last updated on September 27th, 2021

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Trip Cancellation Insurance Explained

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Table of Contents

What is trip cancellation insurance?

What does trip cancellation insurance cover, what is not covered by trip cancellation insurance, cancel for any reason trip insurance, is trip cancellation insurance expensive, different ways to get trip cancellation insurance, which insurance coverage is best for me.

When booking travel, particularly expensive trips consisting of nonrefundable reservations, it makes sense to consider trip cancellation insurance since it can protect your deposit if your plans do not materialize due to unforeseen events. However, not every reason for canceling a trip will qualify for coverage, so you’ll want to familiarize yourself with the basics of trip cancellation insurance.

Trip cancellation coverage can be purchased as part of a comprehensive travel insurance policy , or you can receive it for free when you hold certain premium credit cards. The benefit is designed to protect prepaid, nonrefundable reservations, including flights, hotel reservations and other bookings if the trip is canceled due to an extraordinary circumstance. Each policy will state exactly which events are considered valid reasons for cancellations.

With COVID-19 still affecting travel plans, you’ll want to pay close attention to which reasons for cancellation due to the pandemic are valid. For example, wanting to cancel a trip you booked a while ago because your destination now has rising COVID-19 numbers and you’re afraid to travel is not likely a valid reason.

If you want to be able to cancel a trip for truly any reason, consider the Cancel For Any Reason supplemental upgrade when purchasing your insurance policy. CFAR will allow you to get up to 75% of your trip investment back as long as the trip is cancelled at least two days before departure.

» Learn more: Does my travel insurance cover the coronavirus?

Imagine you’ve booked a two-week vacation to Italy costing $5,000 ($1,000 flight, $3,500 hotel and $500 excursions), all of which is nonrefundable. Then, a week before your departure date, you fall and break your leg. If you have trip cancellation insurance, you’ll be able to get your entire prepaid, nonrefundable trip cost back (as long as the entire amount was insured), since injuries that necessitate medical treatment and prevent you from taking your trip qualify as a covered reason.

Other covered reasons include death of your traveling companion, inclement weather that results in disrupted service, jury duty, terrorist incident, job termination and other extraordinary events. Although this is not an entire list of all the covered reasons, generally the cancellation must be due to unforeseen circumstances to qualify for a reimbursement. Review the fine print of your policy for the details of exactly which reasons are covered. When seeking reimbursement, you’ll need to submit claims to the insurance provider to substantiate your claim.

Although a wide range of reasons allow you to receive your prepaid, nonrefundable travel expenses back in the event of a trip cancellation, there are important exclusions to know about.

Trip cancellation insurance will not cover losses arising from self-harm, foreseeable events, acts of war, taking part in activities considered dangerous (e.g., skydiving, bungee jumping, endurance races, etc.), a felony, childbirth, dental treatment and more.

» Learn more: How to find the best travel insurance

So what if you want the flexibility to cancel your trip for reasons other than those covered by your policy? For that, you're going to need the CFAR insurance mentioned above.

CFAR is often available as an add-on to travel insurance policies, and while it can come in handy if you want to cancel your trip just because, you're not likely to get all your money back.

Most CFAR policies will only reimburse 75% of your nonrefundable travel expenditures.

» Learn more: Best travel insurance with Cancel For Any Reason Coverage

The price of trip cancellation insurance can vary based on the traveler’s age, destination, length of trip, cost of trip and insurance company. Using the same $5,000, two-week trip to Italy as mentioned above, a search of policies on SquareMouth (a NerdWallet partner) ranged from $115 to $470, representing 2.3% to 9.4% of the total trip cost.

All policies provide 100% coverage of the trip cost, however the more expensive plans usually have higher limits on benefits like medical evacuation.

If you’re only looking for trip cancellation coverage and no other protections, a policy equating to 2.3% of the total trip expenses seems reasonable.

Trip cancellation coverage can be included as part of a comprehensive travel insurance plan or offered as a benefit on premium travel credit cards. The Chase Sapphire Reserve® will reimburse you or your immediate family members up to $10,000 per trip. The Business Platinum Card® from American Express and many other American Express cards also offer up to $10,000 in trip cancellation coverage. Terms apply.

These premium cards also offer other insurance benefits like trip interruption coverage, emergency assistance services, trip delay and more. Terms apply. If you travel often and typically purchase trip cancellation coverage, consider applying for one of the cards that offer complimentary travel insurance . Not only will you get trip insurance benefits, but you will also get other travel perks and statement credits that can partly offset the annual fee.

If the coverage limits offered on the cards aren’t sufficient or you’re looking for more protections (e.g., coverage for emergency medical expenses), you’d be better off with a travel insurance . Although you’d incur an additional cost for purchasing a comprehensive plan, you’d have many more benefits not commonly found in the insurance policies offered by the credit cards.

A comprehensive trip cancellation policy is likely to cover canceled flights so long as the flight or flights are nonrefundable and are a part of the total, prepaid expenses covered by your policy. Insurance provided by travel cards typically includes trip delay or cancellation coverage so long as you used that card to pay for your flight reservations.

If you're forced to cancel your trip due to extraordinary circumstances beyond your control, travel insurance will provide coverage for some or all of your nonrefundable travel expenditures, depending on your policy. Covered events will vary, so be sure to review the terms of any plan you intend to purchase.

Trip cancellation insurance is available for purchase from a wide range of companies and is often included as a benefit on travel credit cards. Under certain circumstances, it provides coverage for prepaid travel expenses in the event that you cannot complete your trip as planned.

A comprehensive trip cancellation policy is likely to cover canceled flights so long as the flight or flights are nonrefundable and are a part of the total, prepaid expenses covered by your policy.

Insurance provided by travel cards

typically includes trip delay or cancellation coverage so long as you used that card to pay for your flight reservations.

If you’re going on a trip consisting of costly flights, hotel reservations and excursions and would like to protect your prepaid, nonrefundable deposit but do not need any other coverage, a minimally priced trip cancellation insurance policy is a good choice.

If you have a premium travel credit card , check if you already have trip cancellation insurance as a benefit before you purchase a policy.

However, if you’re looking for additional coverage like travel medical insurance , and/or a basic plan doesn’t have adequate limits, consider a comprehensive travel insurance policy from providers such as AAA , Allianz , and AIG . Read NerdWallet's full analysis of the best travel insurance companies here .

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

75,000 Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

June 1, 2020

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Flight Cancellation Insurance: Your Questions Answered

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Canceling Your Insurance? Use Our Checklist and Insurance Sample Cancellation Letter

Key Takeaways:

• It’s important to comparison shop before committing to new insurance and canceling an existing insurance policy.
• Each insurance company has its own rules for policy cancellations that are part of your contractual agreement to abide by.
• We give you a Sample Insurance Cancellation Letter Template to use when notifying your insurance company along with a checklist of things to remember.

So, you’ve been thinking about canceling your insurance, but aren’t sure quite how to do it?

That’s understandable! Insurance is one of those things that you need for various life circumstances, but once it’s in place, most of us want to acknowledge the peace of mind and then forget about it unless we need it. That usually works, until you have a change of situation or want to compare pricing to see if you can get a better deal.

Can I Cancel My Insurance Policy and Get My Money Back?

No matter the type of insurance, at some point you may want to cancel an insurance policy before it expires without forfeiting the money already paid upfront. Well don’t worry, you can always cancel your insurance policy and get your money back for the unused portion of premiums.

Here we tell you what things you should consider, how to request for a cancellation of your insurance policy, and give you an insurance cancellation letter template to use in requesting cancellation from your insurance company.

Below, we also present our checklist of important considerations and actions that allow you to cancel your insurance policy and get money back with no problems.

Comparison Shop Before You Cancel Your Insurance

Unless you have experienced a change in circumstances, such as sold a car or business, you may be interested in just finding a better deal for your money.

You deserve the best price for your insurance coverage and there are major insurance companies willing to compete for your business. Today, it’s easy with online quotes for just about every type of insurance.

Start with getting comparison quotes on the type of insurance you are interested in replacing to see if you can save money. Our insurance quote engines are available to give you information on the best industry-leading companies offering the lowest prices on auto, home, business, health and life insurance.

Just fill out some simple information and you will receive comparison quotes or company comparisons to get you started.

Compare Car Insurance Rates

Simply enter your zipcode to compare car insurance rates and find the best coverage.

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Did you know that you don’t have to wait until your insurance policy expires to search for a better insurance quote? In fact, you can also call  1(844) 524-6505  right now for multiple insurance quotes. In the event you find a cheap online insurance quote right now, you can ask your current insurer to cancel your policy and refund the remaining premium.

Once you select a new policy, pick a date to make your transfer.

Things to Consider Before You Write a Letter to Cancel Insurance

Now that you’ve decided to start a new policy with a different company and cancel your existing policy, there are a few things to consider when you plan your policy transition. Remember to keep these things in mind:

Have Another Policy On Deck

It’s imperative that you have a policy ready to go that continues your all-important coverage once your existing policy is no longer in force. Find your best price through one of our quote engines and then complete the necessary paperwork and approvals before you proceed.

You Don’t Want a Gap in Coverage

For future insurance cost savings, you don’t want to have a gap in coverage, even for a few days. Insurance companies see that as a negative and your insurance rates will reflect that for future policies. So take the time to plan out your potential move and be sure that there is no gap between the date and time your existing policy is in place and when your new one takes effect.

It’s Illegal to Drive in Most States Without a Policy in Place

If you are replacing auto insurance using an auto insurance cancellation letter, remember that it is illegal to drive in most states without at least a liability insurance policy in place with no gap in coverage. For that matter, if your car is stolen or vandalized without an appropriate policy in place, you would be liable for the costs of the damage.

Check your auto insurance state guidelines  to see your options. Remember, even if your state doesn’t require insurance, it is still in your best interest to not have a lapse in coverage no matter how short in duration.

How Do I Cancel My Insurance Policy?

Each company has its own rules for policy cancellation. Be sure to review your existing policy to see what the cancellation requirements entail. For instance, you may need to give 30 days’ notice or give an insurance cancellation notice in writing. It’s best to fully understand what your contractual obligations are before you buy a new policy or announce your intention to cancel an old policy.

The first step prior to writing the cancellation letter for insurance is to look to your policy to see if there are any provisions regarding cancellation and notification of your insurer. There may be instructions regarding how to cancel your insurance policy – how many days notice you need to provide and to whom the letter should be addressed.

You will want to follow any specific instructions contained in your insurance regarding policy cancellation. However, oftentimes the cancellation provision in an insurance policy only references cancellation by the insurer. If there are no specific instructions regarding cancellation by you, all you will need is your insurer’s contact information.

Policy Dates and Times

Be sure to check your policy for the specific dates and times that the policy is in force. Most companies use midnight in their respective time zones as the beginning or ending date and time.

Also, check to see if weekends are excluded in terms of canceling a policy. If you are planning to switch insurance at the end of a month and that falls on a weekend, make absolutely sure your change takes place on the last day of the month and not the next business day.

Dedicated Cancellation Department

Most insurance companies have dedicated cancellation departments, so find out if that’s true at your insurance provider. A dedicated cancellation department makes it more streamlined to cancel your coverage and gives you cancellation experts to deal with as you go through the process.

In fact, it may be prudent to call the cancellation department to verify the terms in your insurance contract. That way if something has changed in terms of your obligations, you will know in advance.

Logistics of Canceling One Policy with Another in Place

It is worth paying the small-dollar difference to ensure that you have your new policy in place before your existing one expires. Talk with your insurance company; they are usually helpful in offering riders or other mechanisms that ensure coverage.

Once you have selected your policy, determined the best date for transfer, applied for, and been approved by your new insurance company, it is time to write your insurance termination letter to submit to your existing insurance company.

How to Write an Insurance Cancellation Letter to Cancel Insurance Policy?

When it’s time to write the actual insurance cancellation letter, have these pieces of information readily available:

• Old policy number — You will need to reference your old policy number in its entirety with all prefixes and suffixes attached as well.
• Requested cancellation date — This is the date that you will need to have available ensuring that there is no break in coverage.
• New insurance company name — You may need to share your new insurance company’s name and contact information with your existing insurance company.
• New insurance policy effective date — It will be important to have the new insurance policy effective date.
• Mailing address — Your current contact information and mailing address so that any checks or refunds can find their way to you easily.

Ask for Written Confirmation of Receipt

Include in your letter a request for a written confirmation of receipt. You don’t want there to be any confusion that you have asked for your policy to be terminated and on what date.

Note on our sample insurance cancellation letter template, we include the language for certified mail, with a return receipt requested. Done through the post office, a return receipt is considered proof of delivery and should be saved in your records along with your written confirmation letter.

Checklist for Insurance Cancellation Letter

Sample Insurance Cancellation Letter Template

Once you have reviewed your policy for specific instructions regarding insurance cancellation if any, and the contact information for your insurance company, you’ll be ready to write the letter of cancellation. Here is an insurance sample cancellation letter to use as a starting point – remember, follow any specific requirements in your insurance policy as well.

This template can be utilized as an auto insurance cancellation letter, homeowners insurance cancellation letter, health insurance cancellation letter, business insurance cancellation letter and life insurance cancellation letter as well. Note that you can use our download link below to get a free copy of the insurance cancellation letter.

Via Certified Mail – Return Receipt Requested

Insurance Company Name and Address (include department or contact name, if known)

Re: Cancellation of Policy

Insured:  [Insert Named Insured’s name here – to be found on the Declaration page of your policy]

Policy Number:  [Insert Policy Number here – to be found on the Declaration page of your policy]

Policy Period:  [Insert Policy Number here – to be found on the Declaration page of your policy]

Dear Sir or Madam,

Please allow this letter to constitute my formal demand for cancellation of the above-captioned policy. This cancellation will be effective as of ____ date.

Please immediately return any unused premium to me at my address listed below. Please be advised that I no longer authorize your company to directly withdraw any future premiums from any of my accounts.

I would appreciate receiving written confirmation of this cancellation within 30 days. Please do not hesitate to contact me with any questions. I look forward to your prompt attention to this matter.

Very truly yours,

[Your Signature]

[Insert Your Name]

[Insert Your Mailing Address]

[Insert Your Telephone Number]

Submitting Your Insurance Cancellation Letter

It’s important to use the contractually approved avenue to submit your insurance cancellation letter. First, ensure that your insurance company doesn’t require a notarized signature. Next, review the approved way to submit your letter and comply with their instructions, whether that is by mail, email, or fax. If by mail, take the time to send your letter by certified mail with a return receipt requested. And always keep a copy of your signed letter (and signed returned receipt) for your records.

Insurance of all types can be canceled ahead of its expiration date and any remaining premium refunded, but you have to follow the exact requirements laid out in your policy documents. This will usually include:

• How to notify the company
• The required timeframe for notification
• Where to send the insurance cancellation letter
• How to request a refund

As we have outlined in our sample insurance cancellation letter, it is always a good idea to get a signed receipt acknowledgment of your cancellation for your protection in case there is ever a discrepancy. This will protect you and can be used in legal proceedings as evidence of receipt should that ever be an issue.

Once you’ve made the decision to explore your insurance options and before you select a new carrier, do some comparison shopping to get the best insurance rates available. On Einsurance.com, you can simply select the type of insurance you are looking for and follow the easy-to-navigate quote engine on the corresponding page.

Or simply call 1(844) 524-6505  to speak with a seasoned expert who can work with you to find the right coverage at the best price.

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How To Write An Insurance Cancellation Letter

Jun 22, 2020, writing an insurance cancellation letter with samples.

Writing an insurance cancellation letter can be an intimidating process. Are there certain steps to follow? Do I need to write one to cancel my insurance? What should I include in it?

The following outlines what to include in cancellation letters, tips for writing them, and sample letters for you to reference.

Do I Need To Write A Cancellation Letter?

Yes. A cancellation letter is commonly required by companies for drivers to cancel.

What Do You Need To Include In Your Insurance Cancellation Letter?

The following information should be included in your letter when you cancel insurance :

• Your name : You must be a policyholder to cancel.
• Policy number : Double check to ensure your it is correct on the letter.
• Your address and contact information : This can be used to follow up with you.
• Company name : Name the insurance company, not your advisor.
• The current date : The date when you are writing the letter.
• Cancellation date : Provide a specific date for the changes to take effect.
• Reasons : Provide a reason for your cancellation.
• Stop payment or refund request : Request the insurer stop automatic payments immediately if you pay monthly. If you paid in advance, request a refund for the remaining balance.

The above applies to the cancellation of all types of insurance.

How Do You Write An Insurance Cancellation Letter?

• Keep it simple : A one-page notice of cancellation will do. Get to the point. There is no need to elaborate in detail reasons for cancellation or to express dissatisfaction with their services.
• Include all required information : Make sure to include all required information by your insurer for cancellation notification.
• Be polite, but firm : Write in a polite, yet firm tone
• Proofread : Re-read your content to ensure all information is correct.
• Sign the document : Sign the document by hand.
• Confirm the address : Confirm the location to mail it before sending.

Sample Insurance Cancellation Letter

To help you write a letter for cancellation, we’ve created a sample you can reference below :

Please note that these templates are here to help you get started. However, it’s crucial to use the template as a guide and not copy it directly. Customize the template to meet your specific purpose.

Sample Auto Insurance Cancellation Letter

This sample provides you with an example of what it should look like. Customize it for your specific purpose and your personal information : Sample Car Insurance Cancellation Letter

Sample Home Insurance Cancellation Letter

This sample home insurance letter of cancellation provides you with an example of what it should look like. Customize it for your specific purpose : Sample Home Or Rental Cancellation Letter

Letter of Cancellation FAQs

Why do i need to write an insurance cancellation letter.

• Phone calls and emails are not sufficient : Most insurance companies require a letter of cancellation.
• Avoid miscommunication : Getting the details of your changes on paper reduces miscommunications between you and your insurer.
• Create a record of cancellation : A letter gives you a record of your intention to cancel your insurance.

How Do You Cancel Your Insurance With A Letter?

Cancelling requires you to follow the proper steps. The first step is to contact your insurer. Inform them of your plans to cancel. At this point, you will likely be asked to submit in writing your intentions to cancel.

Important Tip : Even if your insurer does not request an cancellation letter, it is a good idea to send one so you have a record of your request.

Before sending your letter, take time to compare car insurance quotes to ensure you do not have a lapse, and you are always protected.

Where Can You Get A Sample Cancellation Letter?

You can contact your insurer to see what information they require for one of these letters and if they have a sample you can use.

• Car Insurance Cancellation Letter Sample
• Home Or Rental Insurance Cancellation Letter Sample

Have More Questions About Cancellations Letters?

There are multiple ways you can write a letter outlining the cancellation. If you have questions about the process, don't hesitate to contact us today. We are happy to help you explore your options and help you make the switch.

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How to Write an Insurance Cancelation Letter + Samples

Like most legally binding contracts, insurance contracts and policies can also be canceled . Regardless of the insurance package you’re canceling, the cancellation process is often the same unless specified differently by your service provider. To cancel an insurance policy, all you need to do is send an insurance cancelation letter to notify the insurance provider. 

In this article, we’re going to explain what an insurance cancelation letter is and also include some samples on how to write an insurance cancellation letter for various policies. 

What is an Insurance Cancelation Letter?

A letter canceling an insurance policy is a letter written to an insurance company/provider to notify them of your decision to cancel your insurance subscription. Depending on the policy, you can ask for a refund on the reminder portion of the premium. 

There are various reasons to cancel your insurance subscription, and all of these depend entirely on your needs at the time. You can decide to cancel an insurance policy if you don’t think it’s needed any longer if you’re moving to a new location, are unsatisfied with the performance of your current insurer, found another company providing wider coverage, or simply changing locations. All of these are valid reasons to write an insurance cancellation letter. 

Important Information to Include in Your Letter

For most cancellation letters, it is important that you tick all the boxes to ensure there’s no back and forth between you and the company, and also to ensure your cancellation request is granted without any hitch. A letter canceling an insurance policy also falls in this category. 

To ensure your insurance policy cancelation letter is taken seriously, make sure all of these are included in your letter:

• Your name: For your cancelation letter to be effective, the name of the account holder must be written. For a policy to be canceled, it must include the correct information of the policyholder. 
• Your contact information and address: This is important as it makes it ultimately easier to follow up with the policyholder if there’s a need to reach out to them. If your contact information is different from when you registered the policy, ensure to include accurate information. 
• Company information: An insurance cancellation letter is a formal letter, and as such, should contain your information and the recipient’s. So, ensure the company’s contact information is written in your letter as well.
• Include policy information: In this section of this letter, ensure to include accurate information regarding the specific policy you’d like to cancel. If you have a customer id with the insurer, include this in your letter as well, as it helps facilitate the process of locating your account and canceling the package. 
• Date letter was written: On the top left corner of your letter just after your address, include the date the letter was written as it makes the documentation process ultimately easier. 
• Effective cancellation date: Including a date you want the cancellation to go into effect helps the cancelation process proceed smoothly. When you include this date, you explain to the insurer how you want the cancellation process to proceed. Do you want to complete the current month, or do you want the cancellation to happen in the next quarter? All of these are effectively translated by the cancellation date.
• Reason for cancellation: Unlike all the other points stated above, this is optional. If you don’t want to include the reason behind your cancellation, you don’t have to. If you do decide to include the reason, make sure to be as brief about it as possible.
• Special requests:  If you have any information you’d like the insurer to be aware of, you can also state this in your insurance cancelation letter. If you want them to take a specific action, also include this in your letter. If you pay ahead, asking for a refund of the balance is a great example of this kind of request. 

How to Write an Insurance Cancelation Letter

Here are some tips to bear in mind when writing an insurance cancellation letter. 

• Keep it concise Your insurance cancelation letter doesn’t have to be more than a page long if it doesn’t have to be. Your letter should explain who you are and what you want from the get-go. If you’re canceling the letter because you were not satisfied with their service, an insurance cancellation letter is not the place to do this.
• Include all relevant information As said earlier, ensuring all of the accurate information is included in your letter goes a long way in ensuring that your request is fast-tracked.
• Write your letter firmly Contrary to some opinions, you’re well within your rights to cancel a package that no longer delivers. So, ensure your letter is firm and polite .
• Ensure it is error-proof An insurance cancellation letter is an official letter. As such, it must be void of errors. This isn’t limited to grammatical errors alone. Your identification numbers must also be correct to ensure the policy is canceled as soon as possible.
• Sign the document When signing the letter, ensure to sign it by hand. This is advisable as it makes your letter more official. If you’re unable to sign it by hand, you can also sign it digitally. 

Common Insurance Policy Types and their Cancellation Samples. 

In this section of this article, we will include insurance cancellation templates for various policies.

Regular Insurance Cancellation Letter Template

This template is a generic template that can be edited to serve any insurance policy you wish to cancel. 

Life Insurance Cancellation Letter Template

If you’d like to cancel a life insurance policy, this template with give you a head start in writing that letter. 

Home Insurance Cancellation Letter Template

If you no longer want your home or apartment to be insured, use this template to inform your insurance provider about your decision. 

Health Insurance Cancellation Letter Template

If you’d like to cancel your medical insurance with an insurance company, inform them of your decision with this template. 

Auto Insurance Cancellation Letter Template

If you no longer require auto insurance for your vehicle, use this template to inform the insurance company of your decision. 

When writing an insurance cancellation letter, ensure to request confirmation. This is important as it helps you ensure that your cancellation was processed. 

About The Author

Jim Blessed

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Travel Insurance Claim Letter: How To Draft It Right!

Key takeaways:.

• Understand the process of writing a travel insurance claim letter effectively.
• Know the essential components to include in your claim letter.
• Learn how to structure your letter for clarity and efficacy.
• Access a template to streamline the writing process.
• Get tips on how to expedite your claim and avoid common mistakes.

Filing a travel insurance claim can be a daunting task, especially when dealing with the stress of an interrupted trip or an unforeseen event. A well-crafted claim letter is your first step toward reimbursement for your travel woes. 

Here’s a step-by-step guide to writing an effective travel insurance claim letter, complete with a template to help you get started.

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Step 1: gather necessary documentation.

Before you begin writing, collect all relevant documentation that supports your claim. This includes:

• Travel insurance policy number and documents.
• Receipts and invoices related to your claim (e.g., medical bills, item replacement receipts)
• Proof of travel such as itineraries, boarding passes, and booking confirmations
• Any correspondence with service providers (airlines, hotels, etc.) regarding the disruption

Table: Required Documentation Checklist

Step 2: Understand Your Policy

Review your travel insurance policy carefully to understand what is covered and the procedures for filing a claim. Pay attention to:

• Covered perils : Know what incidents are covered under your policy.
• Exclusions : Understand what is not covered to set realistic expectations.
• Claim process : Follow the insurer’s process to avoid delays.

Step 3: Write the Claim Letter

When writing your letter, be clear, concise, and organized. Here’s a structure to guide you:

Start with your name, address, and contact information, followed by the date and the insurance company’s contact information.

Subject Line

Include a clear subject line with your policy number and the nature of your claim.

Opening Paragraph

Introduce yourself, your policy number, and the reason for your claim.

Explain the situation in detail, providing dates, locations, and a clear description of the event. Refer to the attached documentation to substantiate your claim.

Request the specific action you want the insurance company to take and mention that you have included all necessary documentation.

End with a formal closing, your signature, and your printed name.

List: Components of a Claim Letter

• Header with contact information
• Insurance company contact information
• Subject line with policy number
• Introduction with basic details
• Detailed description of the event and claim
• Attached documentation reference
• Request for specific action
• Formal closing and signature

Sample Template:

[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number]

[Insurance Company Name] [Claims Department] [Company Address] [City, State, Zip Code]

Subject: Travel Insurance Claim – Policy No. [Your Policy Number]

Dear Claims Officer,

I am writing to file a claim under my travel insurance policy referenced above. Unfortunately, my trip to [Destination] was disrupted due to [Reason – e.g., medical emergency, flight cancellation].

On [Date of Incident], [describe what happened in a factual and concise manner]. As per the terms of my policy, I believe these circumstances qualify me for [type of coverage claimed].

Enclosed with this letter are all the necessary documents to support my claim, including [list the documents you are including, e.g., medical reports, receipts, proof of travel disruption].

I kindly request [specific action, e.g., reimbursement of expenses, coverage of delayed trip costs] as per the coverage outlined in my policy. Please find all relevant details and documentation attached.

I appreciate your prompt attention to this matter and look forward to your response.

Yours sincerely,

[Your Signature] [Your Printed Name]

Step 4: Review and Send

Proofread your letter for any errors. Make sure all the information is accurate and that you’ve attached all required documentation. Send the letter according to the insurance company’s guidelines, which may include mail, fax, or email.

Tips for an Effective Travel Insurance Claim Letter:

• Be timely: File your claim as soon as possible.
• Be detailed: Give all necessary details but remain succinct.
• Be organized: Structure your letter and documents clearly.
• Keep records: Retain copies of your claim letter and all documents.
• Follow up: Don’t hesitate to follow up if you do not receive a timely response.

You may also like:

• Maximize Your Claim: Travel Insurance Dos and Don'ts
• How To Avoid Saying The Wrong Thing When Filing An Insurance Claim
• How to Appeal an Insurance Claim Denial

Frequently Asked Questions (FAQs)

Q. what is a travel insurance claim letter.

Answer: A travel insurance claim letter is a formal letter sent to an insurance company by a policyholder or their representative to request compensation for losses incurred while traveling. 

This letter typically includes details of the incident, the amount being claimed, and any supporting documentation.

Q. When should I send a travel insurance claim letter?

Answer: You should send a travel insurance claim letter as soon as possible after the incident occurs. Most insurance policies have a time limit for filing claims, so it’s important to act quickly to ensure your claim is processed.

Q. What information should be included in a travel insurance claim letter?

Answer: A travel insurance claim letter should include the policyholder’s name, policy number, and contact information. It should also include a detailed description of the incident that resulted in the claim, the amount being claimed, and any supporting documentation such as receipts or medical reports.

Q. How should I format a travel insurance claim letter?

Answer: A travel insurance claim letter should be written in a professional and concise manner. It should include a clear and specific subject line, an introduction that explains the purpose of the letter, a detailed description of the incident and the amount being claimed, and any supporting documentation. It should also include a polite closing and the policyholder’s signature.

Q. What supporting documents should I include with my travel insurance claim letter?

Answer: The supporting documents you should include with your travel insurance claim letter will depend on the type of claim you are filing. 

Common documents include receipts for expenses related to the incident, medical reports, police reports, and any other documentation that supports your claim.

Q. What should I do if my travel insurance claim is denied?

Answer: If your travel insurance claim is denied, you may want to consider appealing the decision. You can do this by contacting the insurance company and providing additional documentation or information to support your claim. 

If the appeal is still unsuccessful, you may want to consider contacting a lawyer or seeking the advice of a consumer advocacy group.

Q. Can I file a travel insurance claim if I cancel my trip?

Answer: Most travel insurance policies offer coverage for trip cancellations due to unexpected events such as illness, injury, or a death in the family. 

To file a claim for trip cancellation, you will need to provide documentation of the event that caused you to cancel your trip.

Q. How long does it take to receive a payout for a travel insurance claim?

Answer: The time it takes to receive a payout for a travel insurance claim can vary depending on the insurance company and the complexity of the claim. 

In general, simple claims that are well-documented may be processed and paid out within a few weeks, while more complex claims may take several months to resolve.

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Mission accomplished!

Letter to Claim from Travel Insurance

About the template, how does it work, 1. choose this template.

Start by clicking on "Fill out the template"

2. Complete the document

Answer a few questions and your document is created automatically.

3. Save - Print

Your document is ready! You will receive it in Word and PDF formats. You will be able to modify it.

This Letter to Claim from Travel Insurance can be sent to an insurance provider in order to request coverage for any travel related claim. This might relate to theft or damage to property, disrupted travel plans (such as cancelled flights), rental vehicle excess, medical costs incurred while on holiday, or any other matters which the travel insurance policy might cover.

Please note that for medical expenses (which are not necessarily travel related), we also have a Letter to Claim from Medical Insurance available. For delayed or cancelled flights, we also have a Letter to Claim Compensation for Delayed or Cancelled Flight , which is designed to be sent to the airline rather than to the insurance company.

How to use this document

This letter includes all of the relevant information that an insurer is likely to need in order to process a claim, such as the name of the policyholder , the details of the incident , the date(s) of the incident , and the items that are being claimed . There are also additional documents that can be enclosed with this letter, such as a police report or receipts . The insurer might also have their own claim form that must be completed. If this is the case, the insurer's claim form may be filled out and sent in along with this letter.

Once this letter is done, it may be downloaded, signed and sent by registered post so that the sender has a record that the letter was received by the insurer. The sender of this letter should also keep a copy of the letter, in case of future dispute.

Applicable Law

There are no laws that specifically dictate what must be contained in a Letter to Claim from Travel Insurance. However, if a person is deliberately dishonest in an insurance claim, this is likely to constitute fraud , which is a crime under the criminal laws of each state and territory.

Regarding the contract of insurance between the insured person and the insurer, general principles of contract law , as provided by the common law , may be relevant. If the sender is unsure whether certain items are covered by their travel insurance policy, they may need to check their policy documents.

The insurer may also require particular information to be included in order for a claim to be processed and approved. Before sending this letter, the individual making the claim may check their policy documents , the insurer's website or help hotline service to be sure this letter includes all of the necessary information.

The Australian Government's Smart Traveller website also provides information about these matters.

If in doubt, seek legal advice.

How to modify the template

You fill out a form. The document is created before your eyes as you respond to the questions.

At the end, you receive it in Word and PDF formats. You can modify it and reuse it.

A guide to help you: How to Send a Letter

Other names for the document: Letter Claiming from Travel Insurance, Claim Letter for Travel Insurer, Travel Insurance Claim Letter, Letter to Travel Insurance Company, Letter to Insurance Company

Country: Australia

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