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Cancel Tripmate: The Right Way
How to cancel tripmate travel insurance and reclaim your money
Understanding tripmate and why you might cancel
Tripmate is a travel insurance provider that works with tour operators and travel agents across Canada to offer trip cancellation, interruption, and emergency medical coverage. You typically purchase Tripmate coverage at the same time you book your trip through agents like Collette Vacations, and the policy protects you if your plans change or an emergency strikes while you're away.
You might decide to cancel Tripmate for several reasons: your trip plans have changed, you've found better coverage elsewhere, or you simply want to reconsider after receiving your policy documents. The good news is that Canadian law gives you a cooling-off window to walk away penalty-free, and Stopee is here to guide you through every step of that process.
When cancellation makes sense
Cancelling Tripmate is your right if you've had a change in circumstances. You might not need the coverage if your trip is cancelled by the tour operator, if you've secured coverage through your credit card, or if the plan simply doesn't match your travel needs. The key is acting quickly, because your window to cancel is narrow.
The legal framework protecting your cancellation
In Canada, consumer protection legislation (including provincial Consumer Protection Acts and federal regulations governing insurance) grants you a statutory "free look" or cooling-off period. This period typically runs 10 to 14 days after you receive your policy documents, and it exists specifically to protect you from high-pressure sales tactics. During this window, you have the right to cancel your Tripmate plan without penalty and receive a full refund of your premium.
This protection is not optional or negotiable. It is your legal entitlement as a Canadian consumer, and Stopee encourages you to exercise it if the policy doesn't feel right.
Your consumer rights in canada
Canadian provincial consumer protection laws are your shield when dealing with travel insurance cancellations.
The cooling-off period explained
The free-look period is your statutory right to cancel without penalty. You have 14 days (sometimes 10 days, depending on your province) from the date you receive your policy documents to change your mind. During this time, you are entitled to a full refund of your premium if you have not yet departed on your trip and have not filed a claim.
This period exists because insurance is a contract you should be able to reconsider. Unlike purchasing a vacation package, which is final at the point of sale, insurance gives you a legal grace period to review the terms and decide if the coverage matches your needs.
Escalation rights if tripmate refuses
If Tripmate or its administrator, Old Republic Insurance Company of Canada, refuses your cancellation request within the free-look period, you have recourse. You can file a complaint with your provincial insurance regulator or the Financial Consumer Agency of Canada (FCAC). These bodies exist to enforce consumer protections and investigate unfair practices. Document everything you send to Tripmate, keep copies of your written cancellation request, and retain proof of mailing. Stopee recommends building a paper trail from day one.
Step-by-step guide to cancelling tripmate
Cancelling Tripmate requires you to follow a specific process tied to registered mail and written documentation.
How to submit your cancellation request
You must cancel in writing. This is not a service you can cancel online or over the phone; Tripmate requires a formal, documented request sent by registered mail. Here is how to do it correctly:
- Confirm you are within the free-look window
- Check the date you received your Tripmate policy documents. You typically have 14 days from that date to cancel (10 days in some provinces, so check your local rules).
- Confirm your trip has not yet started and you have not filed a claim. If either is true, you are likely outside the free-look period and subject to different rules.
- Gather the information you need for your cancellation letter
- Your full legal name (as it appears on the policy).
- Your policy number or certificate number (found on your policy documents).
- Your date of birth (if required by the policy).
- The original purchase date of the plan.
- Your trip dates.
- Your email address and phone number for confirmation.
- Draft your cancellation letter
- Write a clear, professional letter on plain paper or standard letterhead. Keep it brief.
- State your full name and policy number in the opening.
- Write a single sentence: "I request cancellation of my Tripmate travel insurance policy, effective immediately, and a full refund of the premium paid."
- Include your purchase date and trip dates for reference.
- Request written acknowledgment of receipt and confirmation of your refund.
- Provide your preferred refund method: refund to your original payment card or bank account details (if applicable).
- Sign and date the letter.
- Send your cancellation by registered mail with acknowledgment of receipt
- Do not email or use regular mail. You must send this by registered mail (or equivalent tracked service) so you have proof the insurer received it.
- Address your letter to: Old Republic Insurance Company of Canada, P.O. Box 557, Hamilton, Ontario L8N 3K9.
- Request a signature confirmation (also called "return receipt requested"). This costs a few dollars extra but proves the insurer received your letter.
- Keep your receipt showing the tracking number and proof of mailing. This is your evidence if you ever need to escalate a dispute.
- Notify your travel agent or tour operator
- Send a separate email or letter to the travel agent who sold you the Tripmate plan (for example, Collette Vacations in Canada).
- Inform them that you are cancelling the insurance and ask them to confirm receipt of your notification.
- Keep a copy of this communication. The travel agent handles refunds for the trip itself; the insurer handles refunds for the insurance premium only.
- Follow up after 7 to 10 business days
- If you have not received written confirmation from Old Republic, send a follow-up email or phone call referencing your registered mail tracking number.
- Ask for written confirmation of your cancellation and your expected refund date.
Important warnings during the cancellation process
Warning: Do not assume that cancelling the insurance automatically cancels your travel bookings. You must contact your travel agent or tour operator separately to address your trip refund or modifications. Insurance cancellation and booking cancellation are two separate transactions, and Tripmate will not refund you for your actual travel costs.
Warning: Email alone is not sufficient proof of cancellation for Tripmate. You must use registered mail so that you have evidence of delivery. Stopee has seen consumers lose refunds because they only emailed their request and had no proof the insurer received it.
Pro tip: Take a photo of your registered mail receipt and your letter before you send it. Upload both to a cloud storage account (Google Drive, OneDrive) dated and labelled. This creates a digital backup of your evidence.
What happens after you cancel tripmate
Once you submit your cancellation request, the insurer will process your refund according to the timeline outlined in your policy.
Timeline for your refund
Old Republic Insurance Company of Canada typically processes refunds within 10 to 15 business days of receiving your written cancellation request. The refund will be issued to your original payment method (credit card or bank account) unless you specified an alternative method in your cancellation letter.
Check your bank or credit card statement 15 to 20 business days after you mailed your cancellation. If you do not see the refund by then, send a follow-up inquiry to the insurer referencing your registered mail tracking number and the date you sent your request.
What coverage ends immediately
Your Tripmate coverage terminates on the date the insurer receives your written cancellation request. You are no longer covered for trip cancellation, interruption, medical expenses, or any other benefits under the policy from that point forward. This is another reason why timing matters: if you cancel just before your trip, you will have no coverage if an emergency arises.
Your travel booking status
Cancelling your Tripmate insurance does not automatically refund or modify your actual travel booking. You remain obligated to your tour operator or travel agent for the cost of your trip unless you separately request a refund or modification from them. Contact your booking agent immediately to discuss your options for the trip itself.
Refund policies and what to expect
Your refund eligibility depends on when you cancel and which plan you purchased.
Full refunds within the free-look period
If you cancel within 14 days of receiving your policy documents, you are entitled to a full refund of your Tripmate premium, provided you have not departed and have not filed a claim. This is the standard rule, and it applies to all Tripmate plans, including standard trip cancellation and optional add-ons like Cancel For Any Reason (CFAR).
The refund amount is the exact premium you paid, with no deductions for administrative fees. Stopee emphasizes that this is your legal entitlement, not a favour from the insurer.
Partial refunds and CFAR coverage
If you have purchased Cancel For Any Reason (CFAR) coverage and you cancel after the free-look period but before your departure, your refund may be partial. CFAR plans typically reimburse only 75 percent of your trip cost if you cancel within two days of departure. These rules are plan-specific, so review your policy documents to understand the exact terms.
Outside the free-look period, refunds depend entirely on the terms of your plan. Standard trip cancellation insurance generally does not offer refunds if you simply change your mind; it only pays out if a covered reason prevents your trip (illness, family death, job loss, etc.).
Refunds for the trip versus the insurance
Keep in mind that Tripmate refunds only the insurance premium. If you also want to refund or modify your actual travel booking, you must contact your travel agent. The tour operator or agent may have their own cancellation policies, which could involve penalties or blackout periods. Stopee recommends reviewing your travel booking terms before you purchase insurance, so you understand all cancellation options available to you.
Tripmate plans and pricing overview
Understanding which plan you purchased helps you anticipate refund rules and coverage limits.
| Plan type | Coverage highlights | Typical price (CAD) | Cancellation refund eligibility |
|---|---|---|---|
| Standard trip cancellation and interruption | Trip cancellation, interruption, baggage delay, emergency medical expenses (varies by plan) | Varies by trip cost | Full refund within 14-day free-look period |
| Cancel For Any Reason (CFAR) | Higher reimbursement limits; must cancel at least two days before departure; reimburses up to 75 percent of trip cost | Varies (premium above standard) | Full refund within 14-day free-look; partial (75 percent) if cancelled within 48 hours of departure |
| Medical and emergency assistance | Emergency medical, evacuation, emergency dental, emergency flight home (limits vary) | Varies by coverage level | Full refund within 14-day free-look period |
Common mistakes that delay or block your cancellation
Cancelling insurance feels straightforward, but small errors can derail your refund or push you past the deadline.
Mistake 1: waiting too long to cancel
Your 14-day free-look window is short, and it starts the moment you receive your policy documents. Many Canadians assume they have 14 days from purchase, not from receipt. If your documents arrive in the mail a few days after you buy the plan online, you are already part-way through your window.
Set a calendar reminder on the day you receive your policy documents. Mark the cancellation deadline in red. Do not wait until the last day; submit your registered mail at least two days before the deadline expires.
Mistake 2: emailing instead of mailing
Tripmate requires written cancellation by registered mail, not email. If you email your request, you have no proof of delivery, and the insurer can claim they never received it. Stopee has seen this happen repeatedly. Always use registered mail with tracking and a return receipt.
Mistake 3: forgetting to notify your travel agent
Many Canadians cancel the insurance but forget to separately notify their tour operator or travel agent. This creates confusion: the insurance is cancelled, but your trip booking is still active, and you may be charged a no-show fee or be forced to travel under a policy you no longer own.
Send a separate, documented notification to your booking agent the same day you mail your insurance cancellation. Keep a copy of that email or letter.
Mistake 4: not keeping proof of mailing
Your registered mail receipt is your only proof that Old Republic received your cancellation. If you lose it, you have no evidence to support a refund claim. Store this receipt in a safe place, take a photograph, and back it up digitally.
Mistake 5: assuming the insurer will initiate contact
Tripmate will not proactively reach out to confirm your cancellation or tell you when your refund is coming. You must follow up after 7 to 10 business days. Send a polite email referencing your registered mail tracking number and ask for written confirmation of your cancellation date and expected refund date.
Your cancellation checklist
Use this checklist to ensure you do not miss any critical steps.
| Task | Completed | Date |
|---|---|---|
| Check your free-look deadline | [ ] | |
| Gather policy number, purchase date, and trip dates | [ ] | |
| Draft your cancellation letter | [ ] | |
| Send by registered mail with return receipt to Old Republic at P.O. Box 557, Hamilton, Ontario L8N 3K9 | [ ] | |
| Photograph and store your registered mail receipt | [ ] | |
| Email your travel agent to notify them separately | [ ] | |
| Follow up with Old Republic after 10 business days | [ ] | |
| Verify refund in your bank or credit card statement (15-20 business days) | [ ] |
Contact information and next steps
When you are ready to cancel, use this address and follow the process outlined in this guide.
Where to send your cancellation
Send your registered mail cancellation letter to:
Old Republic Insurance Company of Canada
P.O. Box 557
Hamilton, Ontario L8N 3K9
Canada
Do not send your cancellation to your travel agent's address. The travel agent did not issue the policy; Old Republic did. Your letter must reach the insurer's office, and registered mail ensures it does.
If tripmate refuses your cancellation
If Old Republic denies your refund or ignores your request after 20 business days, you have escalation options. File a complaint with the Financial Consumer Agency of Canada (FCAC) or your provincial insurance regulator. Include copies of your cancellation letter, your registered mail receipt, and your follow-up correspondence. These regulators exist to enforce consumer rights, and they take unfair insurance practices seriously.
Your empowerment starts with knowledge
Cancelling travel insurance can feel intimidating, but you have both legal rights and a clear process on your side. Canadian consumer protection law gives you a free-look period for a reason: so you can change your mind without penalty. The steps in this guide reflect that protection.
Stopee has helped thousands of consumers cancel unwanted insurance plans, navigate refunds, and stand up to companies that ignore cancellation requests. You are not alone in this process, and the information you need to succeed is right here. Follow the checklist, send your registered mail, keep your proof, and escalate if necessary. Your refund is within reach, and Stopee is committed to making sure you understand every step of the way.