Insurance is the one travel purchase you hope never to use. If your plans change, the policy can often be refunded — but only while the coverage period hasn't started and no claim is yet possible.
In short: a policy is usually refundable before its coverage starts — during the cooling-off window. Once the trip begins, a refund is generally no longer possible. If the whole trip is cancelled before departure, a partial refund is realistic. The insurer sets the exact terms — check your policy under My bookings or call 8 800 1000-646.
01 / WhenWhen a policy can be refunded
Whether you get money back comes down to one thing: has the coverage period started. While the cover isn't active and the trip hasn't begun, the insurer usually issues a refund. Once the period starts, the risk is already on cover, so a refund is generally not available.
02 / CancellationIf the entire trip is cancelled
If you cancel the whole trip before the departure date — say a tour or flight falls through — the insurer often returns part of the policy price, since the risk never materialised. The refund amount and any deductions are set by the insurer, so the final figure depends on your specific contract.
- A refund is possible while the coverage period hasn't started.
- The insurer may keep part of the sum as an administration fee.
- If a claim has already been filed on the policy, no refund is possible.
03 / How to refundHow to request a policy refund
Open the order
Go to My bookings and find the order that contains the insurance policy.
Check the start date
Make sure the coverage start date hasn't passed yet — that's the key condition for a refund.
Request cancellation
Tap “Request refund” in the order, or message us at @sales_travel_bot. We'll pass the request to the insurer.
Wait for the decision
The insurer confirms the refundable amount, and the money returns to your original payment method.
04 / ExceptionsWhen a refund isn't possible
The terms are always set by the insurer, not by Sales.Travel. If you're unsure whether your particular policy is refundable, check with support — we'll review your contract's rules and walk you through the exact scenario.
05 / FAQFrequently asked
Can I refund insurance after the trip starts?
Usually no: once coverage starts, the policy is on cover and the insurer keeps its price. Exceptions are rare and depend on the contract.
How much comes back if the whole trip is cancelled?
If coverage hasn't started, a portion is often returned, minus the insurer's fee. The exact amount is confirmed by the insurance company.
Where will the policy refund go?
To the same payment method you used for the order. Timing depends on your bank and the insurer — usually a few business days.
What's the fastest way to check my policy terms?
Open the order under My bookings or message @sales_travel_bot — we'll review your contract rules. Support line: 8 800 1000-646.