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Travel Insurance for Canadians

For most travelers, getting travel insurance for Canada means choosing between single travel and annual cover. The two types of policies offer the same advantages: personal possessions, cancellation, medical costs, accident, and passport assistance loss. However, Canada's annual travel insurance offers several advantages over single trip, making it more attractive, especially for frequent flyers.

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Single Trip or Annual Plan

As it suggests, annual travel insurance for Canada offers cover for the entire year. During the period, policyholders are covered for any trip they take, which does not exceed a predetermined number of days, typically ten days, 15 days, or 30 days.

So if you take several vacations per year, Canada's annual travel insurance is a sound investment since you'll be covered for each trip you take during the year. Some insurers also provide their yearly travel insurance for Canadian policyholders with a direct debit option. Once their coverage expires, it is mechanically restored. This feature might offer forgetful holidaymakers, especially with peace of mind knowing they wouldn't be caught short abroad without cover. Canada's annual travel insurance is worth considering if you take one vacation abroad yearly but travel extensively at home during the year. Many individuals do not consider domestic holidays an insurable alternative. However, it is still essential to ensure that you're covered for travel disruption and personal accident insurance.

Furthermore, the cost of insuring a vacation outside Europe that lasts one month on a single trip coverage is likely to cost about the same amount as a yearly policy. You will know that you're insured should a last-minute vacation deal arise. When you are applying for Canada's annual travel insurance, there are some things to bear in mind. Most significantly, make sure you are sincere while filling out your application. Some insurance policy providers will only cover individuals up to 65, while others might charge different premiums to get different age groups.

Pre-existing Condition

The same is true for your health when you're asked about your pre-existing medical conditions. Eventually, if your insurer finds out you've lied, you might lose your right to make that claim. You will also need to ensure that you are covered for the geographical region you are travelling to. Most annual travel insurance for Canada plans will include worldwide travel. Still, some providers might offer more affordable rates for Europe only to pay or have higher premiums for pay, including a trip to the United States, Canada, and the Caribbean. You can even find that travelling into a high-risk region - especially a country to which the United Kingdom Foreign Office advises against travelling - your policy won't apply.

Travel Insurance Visitor to Canada / Super Visa

What determines the price of insurance?
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Determined by these factors: age, number of days to be insured, deductible, amount, whether to cover old diseases and the pricing of products of different companies.

Would insurance premiums be tax deductible?
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Is the price displayed before tax? No, medical insurance premiums do not need to pay taxes.

What are the options available?
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Different companies have different options, generally, with coverage starting from 10,000 Canadian dollars, the upper limit of 150,000 is more common, and there are also 300,000, for Super Visa, a type of insurance for visiting parents or grandparents, the government requires a certificate of insurance covering minimum C$100,000

What does visit Canada travel insurance cover?
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Travel insurance for visits to Canada covers medical expenses related to sudden illnesses and emergency medical treatment caused by accidents during a visit to Canada, as well as stable old and chronic diseases.

If I travel to other countries after I arrive in Canada, will it be covered during this period?
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According to most Canadian travel insurance products, travel to other countries is insured as long as Canada's time exceeds 51% during the insured period, except for the country of origin (China). Besides, most insurance has additional rules limiting the maximum number of 30 days out of Canada.

If I visit relatives in BC or visit other provinces in Canada, will the insurance cover it?
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Yes. Insurance covers the insured person throughout Canada.

When does the insurance take effect?
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The purchase date is not the same as the effective date. You can set the effective date yourself, and the date is based on the local time in Canada. Bear in mind there will be a waiting period where certain medical conditions are not covered after it has lapsed, or the insured already arrives in Canada without it.

When does the policy end?
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On the ending day at 11:59 PM local time, some insurances are also calculated from the time the plane takes off when you return to your country. For details, consult an insurance company or broker.

Do I need a medical examination for visiting Canada travel insurance?
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No, but some products (especially if you want to protect against an old disease) require a medical questionnaire.

Is it necessary to fill out a medical questionnaire to ensure stable old diseases?
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It's not. The 21st Century requires people between the ages of 59 and 85 to complete a medical questionnaire for people who plan to package stable old illnesses. However, Allianz only requires people over 70 to fill out a medical questionnaire.

What Age Would be most Difficult to obtain insurance?
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It depends. Some companies requires people between the ages of 59 and 85 to complete a detailed medical questionnaire if pre-existing condition coverage is needed. Other companies, such as Allianz, only require people over 70 to fill out a medical questionnaire.

Is that true that the premium prices of two adjacent age groups are quite different?
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The premiums of different age groups will vary greatly. For example, the 66-70 age group's premiums are much higher than those for the 60-65 age group. This is because some companies (such as 21st Century, Manulife, Allianz) insurance products are calculated based on the age of the insurance's effective date. Others are calculated based on your age on the date of application. Therefore, for people who are about to enter the next age group (that is, people who are just on the dividing line of 60, 65, 70, 75), choosing the former and buying insurance in advance will save money.

At what age will the insurance premium cost most?
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70 is a threshold. The premium is even higher over 75 as seniors are likely to suffer from illnesses. The premium is rated based on the likelihood of a claim.

Will insurance cover existing chronic diseases (such as hypertension, diabetes, etc.)?
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Stable old disease insurance will cover. Different companies have different definitions of "stable." Take 21st Century Visitors to Canada Emergency Medical Insurance Plan as an example. People under the age of 85 can be insured as long as their condition is stable within 180 days before the policy takes effect. Some products require 120 days. Most products also have a specific age limit for underwriting stable old diseases. Some companies beyond a certain age will not cover them at all.

Is heart disease covered?
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If the heart disease is stable and meets the conditions of "stable old disease," it can be insured.

What are the accidents prone to the elderly?
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Heart disease, high blood pressure, diabetes, rhinitis attacks, falls, fractures, colds, fever, allergies, etc. In addition, exhausting travel and unaccustomed water and soil can easily cause diseases.

Is there any possibility of accidents on the plane?
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Except for aircraft accidents, a long-distance flight is relatively fatigued, which may cause blood clots for the elderly, endangering life and safety

After buying insurance, do I need to pay for medical treatment?
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This depends on two factors: the bottom fee you choose, and the other is the underwriting conditions of the company.

You do not need to pay the deductible fee if you choose zero deductible. However, if you choose 1000 Canadian dollars, you need to pay 1000 Canadian dollars. Underwriting conditions of insurance companies: Insurance companies will set upper limits for certain medical items. For example, the company can only pay the highest acupuncture fee for 500 Canadian dollars. Therefore, you will have to pay for the excess.

Does travel insurance for Canada include aviation insurance?
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Most of them have, but the insurance coverage of aviation insurance varies. For example, 21st Century's Visitors to Canada Emergency Medical Insurance Plan covers 10,000 Canadian dollars. TUGO's Visitors to Canada Platinum insurance plan reports 25 000 Canadian dollars aviation insurance. Other companies' insurance is generally equivalent to the insured amount.

What is covered under Canadian travel insurance?
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The following items are generally included, but different companies may have different, specific regulations. Thus, you should consult brokers or insurance companies.

  • Hospitalization expenses: including diagnosis, surgery, drugs, beds;
  • Registered nurses, private nursing expenses (with caps);
  • Physician's medical expenses;
  • Diagnosis costs: X-ray, laboratory tests, and other inspection costs;
  • Ambulance expenses if necessary;
  • Necessary medical equipment-related expenses, such as plaster, splint, bracket, crutches, wheelchair rental, etc.;
  • Auxiliary rehabilitation treatment such as massage, acupuncture, etc. (there is a cost limit);
  • Auxiliary specialists: Chiropodists, chiropractors, orthopedists, physiotherapists, or podiatrists for treatment costs (there is a cost limit);
  • Prescription drugs (with cost caps);
  • Dental accidents (with cost caps);
  • Expenses for accompanying relatives;
  • Aviation accidents (with fee caps);
  • Funeral or return of remains related expenses (with upper limit);
What items are not covered in Canadian travel insurance?
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If you are travelling to seek treatment or medical advice;

If the loss, injury, or death suffered by the insured person is caused by drugs, alcohol, or other narcotic substances;

It is foreseen that the need to arrange medical services or hospital admission for injury, illness, or health conditions before the policy becomes effective.

Natural therapy, holistic therapy

Expenses related to pregnancy, abortion, miscarriage, childbirth, or complications caused by this

Most companies do not cover the items listed above. Besides, different companies have other regulations and need to consult independently.

What is an automatic guarantee extension?
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If you are hospitalized before the policy expires, the company will extend its validity period. However, there are restrictions and varies between company policies. Check your policy wording or discuss it with your broker.

What is deductible?
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The deductible is the minimum cost you need to bear when you claim. Travel insurance may have different options for the deductible, ranging from zero to tens of thousands of Canadian dollars.

How would deductible affect the premium?
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Generally speaking, the higher the deductible, the lower the premium.

What is the vanishing deductible?
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The vanishing deductible means that the deductible will disappear and become zero. Example: Suppose you choose a vanishing deductible of $2500 when you buy insurance. This means that if you have accidental medical expenses exceeding $2500, the deductible will disappear, and you should not pay a penny yourself when you make a claim.

Is it necessary to choose a vanishing deductible?
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If you consider a severe illness or a serious accident, you can choose. There is no need for minor illnesses.

When is it appropriate to buy zero deductible?
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Suppose you are only buying short-term travel insurance for two or three months. In that case, it is more appropriate to choose zero deductible.

What is the lowest premium for general insurance products?
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It ranges from 20 to 25 Canadian dollars.

How much medical expenses will the insurance company pay?
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It depends on the premiums you buy, the deductible fee, and the company's regulations (for example, a certain fee has a specific upper limit).

Claim Related Questions

Can I claim a physical examination?
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If not due to illness, physical discomfort, or accident, insurance will decline any regular medical examination claim.

Is it costly to be hospitalized in Canada?
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Very. The average daily cost of a general ward is about three thousand Canadian dollars, and the price of an intensive care unit is more than double.

Am I covered for minor illnesses such as colds and fevers?
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Yes, you are covered.

Am I covered by a Dental Hygienist?
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Any claims that are not caused by accident or illness will be declined. However, insurance will cover it if a dental Hygienist is needed after an accident or injury to the mouth. Bear in mind if it is caused by a car accident, your car insurance should cover this as travel is considered secondary coverage.

Are dental fillings and root canal treatments Covered?
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Not Covered. In dentistry, only accidental injuries and emergency toothaches are reserved for teeth.
If I go to the pharmacy to buy medicine when I am sick, is the medical insurance covered?
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If you don't have a doctor's prescription, the company will not cover it if you buy an over-the-counter drug. This is because only medicines prescribed by doctors and doctors are insured. However, most insurance companies have caps on drug costs.

How much will the drug insurance company cover?
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Most companies guarantee a 30-day drug dosage if it is only outpatient treatment. Still, the upper limit of the cost is different, ranging from 500 Canadian dollars (most plans are 500 Canadian dollars) to 10,000 Canadian dollars. In hospitalization, the cost of medicine is included in the hospitalization fee, and there is no upper limit.

I have diabetes, and my condition has been stable in recent years. If I get diabetes medicine in Canada, will insurance cover this?
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Only sudden illnesses and accidents are covered under medical expenses insurance. Therefore, prescribing medicine intended to control and stabilize existing conditions is not considered an accident. Therefore, prescribed medicine will not be covered by the insurance in this case.

I have a chronic disease, but it is stable. After arriving in Canada, I want to go for a chronic disease checkup occasionally, but does insurance cover it?
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In this case, the insurance is not covered. It will only be reimbursed if an emergency accident requires inspection.

I have stable chronic diseases (such as high blood pressure and diabetes), but they worsen in Canada. Will insurance cover this?
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If it is an emergency, it will reimburse any hospital emergency cost. If the doctor prescribes a new drug, it will also cover the medication, but should the dosage and the prescription drug remains the same, insurance will not cover it.

Where can I see a doctor if I get sick in Canada?
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If it is not an emergency, you can go to a walk-in clinic or see a family doctor, or you can see a specialist. If it is an emergency, go directly to the hospital's emergency department.

Should I go to the clinic or go to the hospital?
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The waiting time is very long when going to the hospital's emergency department. Waiting up to 7 to 8 hours is expected. Therefore, if it is only a minor illness, it is recommended to go to the clinic first.

Should I pay for the medical treatment first?
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Suppose you go to the clinic to see a doctor or an outpatient clinic. In that case, you need to advance all expenses yourself, and finally, send the relevant receipts and other documents to the insurance company for compensation. On the other hand, suppose it is a relatively large-scale situation, such as hospitalization. In that case, you need to call the company first, and you do not need to pay in advance.

Will insurance cover CT, MRI, Ultrasound, physical therapy, and other large-scale examinations and treatment items?
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Suppose the doctor requires this type of examination. In that case, you need to contact the insurance company to obtain the approval and claim number before the examination can begin the next step.

Do I need to notify the insurance company for routine physical examinations (blood tests, laboratory tests, X-rays) required by doctors?
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You do not need to notify them.

Is acupuncture covered?
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Acupuncture expenses can be reimbursed by insurance, but the premise is that an emergency in the body and a doctor's report is required.

Post Sales Related Questions

Can the policy be refunded in full without conditions?
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In most cases: For ordinary insurance, if you cancel before it takes effect, most companies can refund in full without handling fees, and a few require you to pay a handling fee (between 25 and 40 Canadian dollars); if you cancel after the effective date and no claim had been made, you will have to pay on the days of coverage and handling fee, the rest can be refunded. However, if it is super visa insurance, you need to provide the government's visa refusal letter. Regarding which companies need to pay handling fees, you can refer to the difference between the seven major insurance companies' visits to Canada travel insurance plans.

If the status of Visa changes, will insurance be refunded?
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The most typical scenario is when someone becomes a new immigrant, most provinces (except Alberta) generally have to wait two or three months before the provincial medical starts. Therefore, it is advisable to have private health care during the transition period. Government paper proving insured status change is required for cancellation. The remaining premiums paid can be refunded after deducting the handling fees as long as there is no claim on the policy.

Will I get a refund on the remaining premium if I leave Canada early?
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Suppose you have bought insurance for one year but only stayed in Canada for two months. Suppose you want to leave Canada and not return. In that case, you can get a refund of the remaining premiums because the insurance policy has no claim. Still, you are generally required to pay a handling fee and produce proof, such as a boarding pass of departure within 60 days.

Can the travel insurance be suspended and continue when I return next year?
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Insurance cannot be suspended, but you can cancel it. If there is no claim, the balance can be refunded and reapplied the following year.

Can I get a refund if my passport has no stamp as proof?
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If Canada's exit customs do not stamp and return to China through self-service customs clearance, what if there is no entry-exit certificate in the passport? You can print out the entry and exit record certificate for free on the self-service printer next to the self-service channel. It is also necessary to keep the boarding pass properly.

What is the process of surrendering premiums?
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Suppose you want to terminate the insurance early, and the previous policy has not been paid. In that case, the insurance company will refund the balance to you by cheque or credit card.

How does insurance settle claims?
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There are generally two causes of insurance claims. The first is to pay in advance by asking for medical records and related receipts from the doctor and mail these originals to the insurance company. There are differences in the materials required by different insurance companies. You must ask the insurance broker or Insurance company consulting. In the second case, when the amount to be paid is relatively large, the insurance company is directly responsible for providing personal information. They do this by calling the insurance company when seeking medical treatment. Suppose the claim is settled through an insurance broker or agency. These materials are sent to the insurance broker or agency, and the insurance company will be in contact through them.

Who will settle the claim? Is it an insurance company?
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Insured can make claims directly to the insurance company or through an insurance broker.

Is there a time limit for claim settlement?
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Yes, each company has different regulations, so directly consulting an insurance broker is best.

What materials should be prepared for claim settlement?
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The following documents are required for claims.

  • The completed claim application form
  • receipt (some insurance companies require you to provide the original)
  • original medical expenses
  • Doctor's diagnosis certificate (some insurance companies require you to provide the doctor's signature)

If it is related to a traffic accident, a police report is also required. Sometimes a copy of the insurance policy, air ticket, and passport are also needed.

How long will it take to receive the check for claims?
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If the materials are ready, you can receive the check within eight weeks in most cases, and you need to consult an insurance broker or insurance company.

Is it easy to renew and extend insurance?
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If you have not had any claims in your previous policy, the insurance company can easily approve the renewal. However, suppose a claim has been settled before, and the amount is large. In that case, the insurance company has the right to refuse coverage. Suppose your existing illness relapses and is unstable. In that case, you may renew the second term's insurance. Still, it will be challenging to get coverage for any existing condition.

Will it be more expensive to renew insurance?
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If the age group changes, such as from 61 to 65 years old to 66 to 70 years old, the price will be higher.

Can I increase or decrease the insurance coverage after renewing the insurance?
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Sure. However, there will be a waiting period for increasing the sum assured.

Getting Travel Insurance Online

How to buy Travel insurance?
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One is to place an order directly through the Internet, and the second is to contact a broker and purchase from it.

Will the cost of travel insurance product the similar?
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Yes if they are offered by the same insurer.

Is it necessary to buy travel insurance for visiting relatives in Canada?
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If not for a super visa, Canada does not require tourists to purchase travel insurance. Buying that is just to avoid illness or other accidents causing large economic losses. Besides, purchasing it for visits to Canada can increase the Canadian visa pass rate.

Who is eligible to purchase "visitor to Canada travel insurance"?
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The visitor to Canada Travel Insurance is for any visitor to Canada with a valid visa but has no coverage under provincial health care. Work permit holders and students do not purchase this insurance as they are covered under provincial health care.

Are there any lower-cost options for travel insurance?
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Increase the deductible and buy a lower amount. But this also means the insured is assuming the risk themselves.

How much travel insurance do I need anyway?
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Buy according to your financial ability, and make predictions about possible accidents. It is more common to buy an insured amount of 20,000 to 50,000.

Is it enough to buy insurance of 10,000 Canadian dollars?
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If you just deal with a simple cold, 10,000 Canadian dollars is more than enough, or even 1,000 Canadian dollars is enough. However, if it is to deal with surgery, hospitalization, or major injuries, 50,000 may not be enough.

What materials and information should I provide for travel insurance for visiting Canada?
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The insured's name, gender, date of birth, selected insured amount and base fee, date of entry to Canada, insurance effective and end dates, Canadian residential address, personal contact number, and email address.

Which insurance is cheaper for people about to enter the next age group (for example, from 61 to 65 years old to 66 to 70 years old)?
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The following four products are more suitable for this category of people because their premiums are calculated based on the age of the contractor's effective date.

a. 21st Century's Visitors to Canada Emergency Medical Insurance Plan

b. Manulife's Travel Insurance for Visitors to Canada

c. Visitors to Canada Emergency Medical Coverage of Allianz

d. JF Premier Visitor Insurance of RSA

Is the insurance period as long as possible?
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For older people with long-term chronic diseases, buying a longer insurance period is necessary. This is because they have a high chance of accidents and recurrence of old diseases.

How to pay for insurance?
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It can be by credit card or check

Can I pay in installments?
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At present, most companies do not have a payment method in installments, and most of them are one-time payments. However, there are also individual companies, such as 21st Century Insurance Company, which has a monthly payment method.

How did the insurance policy finally get to me?
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Electronic insurance policies are popular nowadays, and they will be sent to your mailbox. If necessary, you can print it out directly after receiving it.

I am a new immigrant. Is it necessary to buy temporary insurance before getting the government health card?
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Have. If an accident or illness occurs before getting health care, insurance will not cause too much economic loss. If you have just arrived in an unfamiliar place and the mental pressure is relatively high, buying medical insurance will give you more peace of mind.

Should I buy insurance in China or after landing?
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If it is purchased before landing, there is no waiting period; there is a waiting period (2-7 days) for purchase after landing. If an accident occurs during the waiting period, it is not covered. So if you don't want a waiting period, you have to buy it in China.

What is the waiting period?
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The insurance is not valid during the waiting period. If there is an accident during the waiting period, it will not be protected.

If I Buy on the departure day, will it cover on board?
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How long is the waiting period for buying insurance after logging in?
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According to most companies' regulations, people under the age of 85 can purchase insurance within 30 days after landing. The waiting period is 48 hours; if they buy insurance 30 days after landing, the waiting period is seven days. For those over 85, the waiting period for purchase after coming to Canada is 15 days. There are also a few companies that have different time regulations.

Should a family buy insurance separately or together?
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Most insurance companies on the market have family plans, and the price is lower than buying them separately. However, each company has some different special requirements for family plans. For example, dependent children should be no more than 21 years old. As well, the start and end dates of the family member's policy and the Canadian residential address must be the same. The specific requirements depend on the particular insurance product.

Who should buy a family plan?
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It is suitable for two adults to bring one or more minor children (some companies stipulate that they must be under 21 years old). The insurance price is twice that of the most senior adult in the family.

How long should new immigrants buy insurance after landing?
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New immigrants need to wait for a while before receiving the government's medical card. There are some differences in the waiting period in different provinces, generally around two to three months

Is it okay to buy insurance every month? Are there any caveats?
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You can buy insurance every month, but a possible situation is if there is an accident at the end of the month. Still, you do not go to check in the next month, the relevant medical expenses insurance for the second month will not be covered. This is because it does not cover diseases and accidents before the insurance took effect. Besides, suppose there is a claim in the first month. In that case, the procedures for renewal in the second month are very complicated, and some insurance companies may even refuse you to renew.

When my parents visit relatives, how long is it appropriate to buy insurance?
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The most appropriate way is to buy as long as you come.

Is insurance bought daily or monthly?
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Insurance costs are calculated based on the number of days, so the economic approach is to stay in Canada and buy insurance for as long.

Is there any relationship between age and premium?
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Generally speaking, under the same insured amount, the higher the age, the more expensive the premium.

Is there a limit to the time for insurance?
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According to most product regulations, one purchase under the age of 85 does not exceed 365 days, and one purchase over 85 does not exceed 180 days. But there is no limit to the cumulative purchase time.

My parents are very old, is there insurance to buy?
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Yes, but it depends on how old you are and whether there is a plan to protect the old and sick. For example, 21st Century's Visitors to Canada Emergency Medical Insurance Plan does not cover old illnesses for people over 85 years old, and TUGO's Visitors to Canada Platinum insurance plan does not cover old diseases for people over 80 years old. Fortunately, with Allianz's Visitors to Canada Emergency Medical Coverage, there is a way to protect people over 86 years old from illnesses. However, applicants must pass certain health checks.

Which travel insurance companies are the most popular?
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The following are the most popular:

21st Century - Visitors to Canada Emergency Medical Insurance Plan

TIC - JF Optimum Plus Visitor Plan

Berkley- JF Royal Visitors to Canada

Manulife - Travel Insurance for Visitors to Canada

TUGO (Travel Underwriters) - Visitors to Canada Platinum

RSA- JF Premier Visitor Insurance

Allianz - Visitors to Canada Emergency Medical Coverage

Is it necessary for the elderly to protect against chronic diseases and old diseases?
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It is necessary because the older they are, the higher the chance of recurrence of old or chronic diseases. For this reason, many insurance companies do not cover the old illnesses of people over 85.

Which insurance is better for the elderly over 86?
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Allianz's Visitors to Canada Emergency Medical Coverage is one of the few products that cover the old diseases of the elderly. For the elderly over 86, if they successfully pass the approval, they can apply for insurance policies for old conditions.

Which insurance is better for the elderly in the 80-85 age group?
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Consider 21st Century's Visitors to Canada Emergency Medical Insurance Plan and Allianz's Visitors to Canada Emergency Medical Coverage.

What are the special regulations of Berkley's Elite Protection Plan?
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This insurance has a restriction on the insured; that is, the insured cannot have lived in Canada for more than two consecutive years before the policy's effective date.

Which travel insurance provides the best plan?
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Each company's products are unique as this is a competitive market. Some may be good for a particular age group. Some provide better responses and relax on claims of a specific type. As a broker, we can only recommend our products and compare broadly.

Super Visa Related Questions

Do I need to buy travel insurance for a super visa?
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Yes, this is a government policy, and there are specific requirements for insurance coverage.

What are the requirements for travel insurance for a super visa?
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The minimum insured amount is 100,000 Canadian dollars, must be effective from entry, belong to a Canadian insurance company, be purchased for at least one year, and must include the costs of these three aspects: Health Care, Hospitalization, and Repatriation ). For details, you can check this article: Visa options for applying for (grand) parents to visit relatives: Visiting Visa (Visitor Visa) or Super Visa?

When should I buy the super visa insurance?
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You must buy it when you apply and submit it with the application materials.

How to fill in the effective date of insurance when applying for a super visa?
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The purchase date and effective date of the policy are different. You can write down the effective date of the insurance. If the itinerary changes later, the effective date can be modified for free.

Do I need insurance for Super Visa holders when I enter Canada in the second year?
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For super visa holders to enter the country in the second year, the customs may give you a more extended period of stay if you hold the purchase certificate. However, insurance is not a mandatory requirement.

Is there a waiting period for Super Visa Insurance?
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Since the insurance purchase certificate is required when applying for a super visa, the insurance is purchased before landing. In this case, there is no waiting period.

Can the Super Visa Insurance be cancelled?
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Only provide the embassy's refusal letter to cancel or change it. If it is because the embassy refuses to sign, the insurance will be refunded in full without handling fees.