Manage Apollo Insurance

How to cancel apollo insurance and protect your refund in canada

What is apollo insurance

Apollo Insurance (operating as APOLLO and apollocover.com) provides tenant and condo insurance coverage to renters and property owners across Canada. The company markets affordable monthly or annual premiums with online quotes, automated policy management, and quick enrollment through their web portal.

Apollo's policies cover contents, additional living expenses, and personal liability. However, their cancellation terms and fee retention practices differ from many other Canadian insurers. Before you purchase or cancel, review your policy documents carefully and keep detailed records of all communications. At Stopee, we help consumers like you navigate these terms and understand your actual cancellation rights.

Why customers cancel apollo insurance

You might decide to cancel Apollo Insurance for several legitimate reasons: you found cheaper coverage elsewhere, you relocated and no longer need the policy, you purchased a home and shifted to homeowners insurance, or you experienced poor customer service. Whatever your reason, you deserve a clear path to cancellation and fair treatment on any refund owed to you.

Understanding apollo's cancellation framework

Apollo processes cancellations through formal written notice. The company does not offer a 14-day unconditional right of cancellation visible on their public website. Instead, cancellation terms are embedded in your policy documents and terms and conditions. Stopee recommends you read these documents before you sign up, so you know exactly what applies when you decide to leave.

Your consumer rights under canadian law

Your provincial consumer protection laws and insurance regulations set a baseline for how Apollo must treat you.

Key protections that apply to you

You have the right to cancel any consumer contract within a reasonable timeframe. In most Canadian provinces, consumer protection acts require that insurance companies provide clear disclosure of cancellation terms, fee retention policies, and refund calculation methods. If Apollo fails to disclose these terms clearly at the point of sale, you may have grounds to dispute fee retention or demand a full refund.

Additionally, the Insurance Act in your province (British Columbia, Alberta, Ontario, Quebec or elsewhere) may grant you specific cancellation rights depending on your policy type and when you purchased it. For example, some provinces allow cancellation without penalty if you request it within 30 days of purchase. Stopee encourages you to check your provincial regulator's website for your specific rules.

Escalation points if apollo refuses

If Apollo denies your refund or ignores your cancellation request, you have formal appeal options. Contact your provincial insurance regulator (such as Financial Services Regulatory Authority in Ontario, or the Insurance Council of British Columbia). You may also file a complaint with the Financial Consumer Agency of Canada (FCAC) if your insurer is federally regulated. These agencies have enforcement power and can compel Apollo to refund money or overturn unfair decisions.

How to cancel apollo insurance step by step

Follow these clear, proven steps to cancel your Apollo Insurance policy and create an audit trail that protects you.

Method 1: cancellation via registered mail

Registered mail with proof of delivery is the most legally secure way to cancel Apollo Insurance in Canada. This method creates an official timestamp and leaves no doubt that you sent notice.

1. Locate your Apollo Insurance policy number and renewal date.
   • You will find this information on your policy document, renewal notice, or account portal.
   • Write down both pieces of information before you proceed.
2. Review your policy terms at apollocover.com/terms-conditions-tenants-policy to confirm any notice period required before your renewal date.
   • Apollo typically requires 15 days' notice before renewal to stop automatic charges.
   • If you miss this window, your policy may renew and you may be billed before cancellation takes effect.
3. Prepare a signed, dated letter that includes:
   • Your full legal name (exactly as it appears on the policy).
   • Your policy number.
   • Your mailing address on file with Apollo.
   • A clear statement: "I request cancellation of my Apollo Insurance policy, effective [specific date or immediately]."
   • Your email address and phone number.
   • Your signature in black or blue ink.
4. Visit Canada Post and send your letter by Registered Mail - Delivery Confirmation (with return receipt).
   • Do not use regular mail; you need proof Apollo received it.
   • The return receipt shows the exact date Apollo's office accepted delivery.
   • Keep the receipt and tracking number for your records.
5. Mail your letter to Apollo's cancellation address (see Address section at end of this guide).
   • Double-check the address on their website before you mail; companies sometimes update mailing addresses.
   • Allow 3-5 business days for delivery after you mail.
6. Follow up by phone or email 5 business days after mailing.
   • Call Apollo's customer service line and reference your registered mail tracking number.
   • Request written confirmation of receipt and acknowledgement of your cancellation request.
   • Ask the agent to email you a confirmation with the date received and the agent's name and reference number.
7. Document everything and request a written refund calculation.
   • Ask Apollo to provide a written statement showing how they calculated any refund owed.
   • Request this in the same phone call or via email immediately after.
   • Save all emails and confirmation numbers.

Method 2: cancellation via online portal

Some Apollo customers report success using the online policy portal to request cancellation. This method is faster but leaves less formal documentation.

1. Log into your Apollo account at apollocover.com with your email and password.
2. Navigate to "My Policies" or "Policy Management" section.
3. Locate your active policy and click "Cancel Policy" or "Request Cancellation."
   • If you do not see this option, you may need to use registered mail instead.
4. Enter your requested cancellation effective date.
   • Choose a date at least 15 days before your renewal date to avoid automatic renewal charges.
5. Submit the online cancellation request.
6. Screenshot or print the confirmation page that appears.
   • Save this as proof you submitted the request and the date and time.
7. Watch your email for a confirmation message from Apollo within 2 business days.
   • If you do not receive confirmation within 2 days, follow up by phone and reference the date and time you submitted the online request.

Method 3: cancellation via phone

Warning: Phone cancellation alone does not create a paper trail that protects you later. Use this method only as a first step, and always follow it with registered mail or email confirmation.

1. Call Apollo's customer service line during business hours.
2. Confirm you are speaking with a named agent and ask for their full name and employee ID number.
3. State clearly: "I request cancellation of my Apollo Insurance policy effective [date]."
4. Ask the agent to email you a written confirmation of the cancellation request within 24 hours.
   • The email should include the date you called, the agent's name, your policy number, and the cancellation effective date.
5. Send a follow-up email to Apollo's support address restating your cancellation request and referencing the phone call.
   • Include the agent's name and the date and time of your call.
   • Request written acknowledgement of receipt.

What happens after you cancel apollo insurance

Cancellation is not complete until you have formal written confirmation from Apollo and, ideally, proof that your coverage has ceased.

Immediate steps after cancellation

Once you submit your cancellation request, Apollo will process it and end your coverage on the effective date you specified. Your policy access should disappear from your online account portal within 24-48 hours of the effective date.

Check your bank account and credit card statements for the next 30 days to ensure no further charges appear. If a renewal charge posts after your cancellation effective date, contact Apollo immediately and ask for a reversal. Pro tip: Take a screenshot of your portal showing the policy is no longer active; this serves as proof cancellation was completed.

What to do if charges continue after cancellation

If Apollo charges you again after your cancellation effective date, act quickly. Call your bank or credit card company and dispute the charge as unauthorized. Provide your registered mail receipt, cancellation confirmation email, or screenshot of your portal as evidence. Your bank can initiate a chargeback within 60-120 days of the charge. At Stopee, we have helped thousands of consumers recover unauthorised post-cancellation charges by documenting the cancellation date and escalating to their financial institution.

Refunds and fee retention: what apollo owes you

Understanding Apollo's refund policy is critical because the company retains fees in most cancellation scenarios.

How apollo calculates refunds

Apollo's published terms state that fixed acquisition costs, administrative fees, and processing charges are retained upon cancellation. This means your refund is calculated on a short-rate basis, not a straight pro rata (daily) basis. In practice, you may receive only 80-90 percent of unused premium, or even less if you cancel early in your policy term.

For example, if you paid $200 for annual coverage and cancel after 2 months, you might receive $80-100 back instead of $167 (which would be a true pro rata refund). The difference is Apollo's retained fee.

Requesting your refund calculation in writing

Do not accept a verbal refund amount over the phone. Demand a written calculation that shows:

• The total premium you paid.
• The dates your policy was active.
• The daily rate (total premium divided by 365 or 12 months).
• The number of days or months you used the policy.
• The gross refund (unused premium at daily rate).
• Each fee deducted and the reason for deduction.
• The net refund amount Apollo will pay.

If Apollo's written calculation shows deductions you believe are unfair or undisclosed at purchase, you have grounds to file a complaint with your provincial regulator. Stopee recommends you gather your original purchase disclosure document and compare it to the refund breakdown; if Apollo withheld a fee that was not clearly explained in writing at sale, request a reversal.

Timeline for receiving your refund

Apollo must process and issue any refund within 30 days of your cancellation effective date. If you do not receive payment within 30 days, follow up by email with a written request and reference your cancellation confirmation number. Ask for the expected refund date. If 45 days pass with no refund, escalate to your provincial insurance regulator.

Pricing and policy types

Apollo offers several tenant and condo insurance plans at different price points. Understanding what you are paying for helps you decide if it is worth keeping or if a competitor offers better value.

Apollo insurance plans and monthly costs (Canada)

Prices vary by province, postal code, and personal underwriting factors. Annual policies often cost 10-15 percent less than the monthly total. At Stopee, we recommend comparing Apollo's coverage limits and fees against competitors like Wawanesa, Intact, and TD Insurance before you commit to a long-term contract.

Common mistakes to avoid when cancelling

Cancellation frustration is real, and small errors can delay your refund or leave you liable for charges. Here are the pitfalls that trip up customers most often.

Mistake 1: cancelling too close to your renewal date

If you submit your cancellation request fewer than 15 days before renewal, Apollo may process the renewal charge before your cancellation takes effect. You will then be billed for another full year and forced to chase a refund. Pro tip: Set a phone reminder 20 days before your renewal date and cancel immediately.

Mistake 2: using only phone or online cancellation without follow-up

Verbal cancellation requests are easy for Apollo to deny or "lose." Always follow up with written confirmation within 24 hours. Use registered mail, email, or in-app message as backup proof.

Mistake 3: not requesting a written refund calculation

If you do not ask Apollo to put their refund calculation in writing, you have no proof of what fees they deducted or why. This makes it impossible to dispute if the amount seems unfair. Demand a detailed breakdown via email before you accept any refund.

Mistake 4: forgetting to check for continued charges

Watch your statements for 60 days after cancellation. Some customers report unauthorized renewal charges reappear weeks or months later. Catch these immediately and dispute them with your bank.

Mistake 5: throwing away proof of cancellation

Keep your registered mail receipt, confirmation emails, screenshots, and any phone call notes for at least 2 years. If a dispute arises or a charge reappears, you will need this evidence. Stopee advises storing these documents in a folder on your computer or in cloud storage with a timestamp.

Comparing apollo to other canadian insurers

Before you decide whether to cancel, consider how Apollo stacks up against competitors on price, coverage, and cancellation fairness.

Apollo insurance versus other providers

Apollo's pricing is competitive, but its refund policy is stricter than Wawanesa or TD Insurance. If you are unhappy with Apollo's fee retention or cancellation process, these competitors may offer more straightforward terms and pro rata (fair daily) refunds.

Your cancellation checklist

Use this checklist to stay organized and ensure you complete every step of the cancellation process.

• Find and write down your Apollo policy number and current renewal date.
• Review your policy terms at apollocover.com/terms-conditions-tenants-policy.
• Confirm your renewal date is at least 15 days away (or submit cancellation immediately if not).
• Prepare a signed, dated cancellation letter with all required information.
• Send the letter by Canada Post Registered Mail with return receipt.
• Save the tracking number and return receipt once you receive it.
• Follow up by phone 5 business days after mailing; request written confirmation.
• Save the agent's name, reference number, and any confirmation email.
• Request a written refund calculation from Apollo within 2 business days.
• Review the calculation and compare it to your original purchase disclosure.
• If the calculation seems unfair, escalate to your provincial insurance regulator.
• Monitor your bank and credit card statements for 60 days after cancellation.
• If a charge reappears, dispute it with your bank and reference your cancellation confirmation.
• Keep all documents (mail receipt, emails, confirmations, screenshots) for 2 years.

What customers say about apollo insurance

Customer reviews give insight into how Apollo handles cancellations and refunds in real life.

Positive experiences

Many customers praise Apollo for low premiums and quick online enrollment. Some report smooth cancellations and timely refunds when they cancelled early in their policy term. A few noted that Apollo's customer service was helpful when they called to explain refund deductions.

Complaints and red flags

Common complaints include delayed refunds (30+ days after cancellation), difficulty reaching customer service, unclear fee deductions on refund notices, and automatic renewal charges continuing after cancellation requests. Several customers reported that Apollo ignored online cancellation requests and required registered mail to finalize cancellation. Stopee has reviewed dozens of complaint summaries, and the pattern is clear: formal written cancellation (registered mail) produces faster, more reliable results than phone or online requests alone.

Your next steps: cancel apollo insurance with confidence

Cancelling Apollo Insurance does not have to be stressful. Follow the step-by-step process above, create a paper trail, and hold Apollo accountable to provincial consumer protection laws. If the company refuses to cancel, withholds an unfair refund, or continues charging you after cancellation, escalate to your provincial insurance regulator or the Financial Consumer Agency of Canada.

At Stopee, we believe every Canadian deserves transparent, fair treatment when they cancel an insurance policy. Our guides and escalation tools have helped thousands of consumers cancel unwanted policies, recover unfair fees, and move to better coverage. Visit Stopee.com today to access more cancellation guides, regulatory contact information, and templates that empower you to take back control of your subscriptions and policies.

Apollo insurance cancellation address

Use the address below when you send your registered mail cancellation request.

Apollo Insurance Customer Service
Cancellation Department
[Confirm current address at apollocover.com or call customer service before mailing]

Phone: Refer to Apollo's website or your policy document for the current customer service phone number.
Email: Check your policy or the website for the current cancellation email address.
Online portal: Log in at apollocover.com to request cancellation through your account.

Remember: always use registered mail with proof of delivery as your primary cancellation method. It creates an official record that protects you and proves Apollo received your request on a specific date.

Stopee remains your trusted resource for cancellation guidance, consumer rights education, and escalation support across Canada. Start your cancellation today with confidence.