Manage Assurant

How to cancel assurant and stop charges to your GCash, maya, or credit card

What assurant is and why you may want to cancel

Assurant is a global insurance and protection company that sells coverage for renters, mobile devices, and accidental injury across the Philippines and beyond. Unlike streaming services with straightforward online dashboards, Assurant usually reaches you through a partner-a retailer, mobile carrier, lender, or bundled offer. That partnership model is one reason cancellation feels confusing: you see Assurant on your policy, but billing, customer support, and claims often run through the partner's system instead.

Understanding this structure is your first step toward empowered cancellation. You are not dealing with a simple subscription platform. You are managing an insurance product that may be embedded in another service entirely. That is why Stopee exists: to help you navigate exactly these kinds of multi-layer cancellation scenarios.

Common reasons people cancel assurant

Filipino customers report canceling Assurant for several reasons. First, the monthly cost adds up quickly-PlusCare plans range from ₱749 to ₱1,723 per month-and some people realize they do not need the coverage or have duplicated protection elsewhere. Second, support responsiveness has been a pain point; some users report waiting 5 to 10 working days just to hear back, with repeated requests for documents slowing down claims or cancellations. Third, clarity around billing and renewal is poor, which means charges sometimes continue even after a cancellation request lands.

Whatever your reason, Stopee has seen thousands of cancellations succeed because people take the time to gather proof and follow a clear process. You are not alone in this frustration.

How assurant works in the philippines

Assurant operates in the Philippines under Philippine law. Local contact options include phone numbers such as 1-800-10-726-7864, 1-800-8-726-7864, and 02-422-2111, plus email at info@assurantbpo.net. Support hours are not clearly published, which is a red flag when you are trying to cancel before your next billing date.

If you signed up through a partner, your billing cycle likely appears on your credit card statement, GCash, Maya, or a partner invoice rather than on an Assurant dashboard. That is important for cancellation because you may need to contact the partner first, or you may need to ask the partner for your policy number before Assurant customer service can help you.

Pricing breakdown and what you are paying for

Assurant's core product in the Philippines centers on monthly protection plans.

These are recurring monthly charges. Once you cancel, no future billing should occur. However, Assurant does not clearly publish a free trial, minimum commitment period, or auto-renewal clause on its public pages, which is frustrating. The absence of transparency here does not excuse continued charges; it simply means you need to be extra careful about proving your cancellation request in writing.

Device protection products also exist under Assurant, but some are one-time plans rather than subscriptions. This distinction matters for cancellation: stopping a monthly plan halts future billing, while a one-time plan remains active until its term expires unless the seller explicitly offers mid-term cancellation. Stopee recommends confirming which type of product you own before you submit any cancellation request.

Consumer rights and the consumer act of the philippines

You have legal protection on your side. The Consumer Act of the Philippines (Republic Act No. 7394) gives you the right to accurate information about any product you buy, the right to cancel subscriptions, and the right to a refund if the service fails to deliver as promised.

Specifically, Republic Act No. 7394 mandates that a business must honor cancellation requests and return your money if the product or service does not meet its promised specifications. If Assurant charges you after you have sent a clear, documented cancellation request, you have grounds to dispute that charge with your credit card company, GCash, or Maya. You can also file a complaint with the National Consumer Affairs Center (NCAC) or the Department of Trade and Industry (DTI) if Assurant refuses to refund or continues billing illegally.

Stopee advises you to keep all cancellation communications-emails, SMS confirmations, photos of the chat, and payment records-because these become your evidence if you need to escalate. Consumer protection is stronger when you document every step.

Step-by-step: how to cancel assurant

Preparation before you contact support

Gather these four items before you send any cancellation request.

1. Your policy number (usually in your welcome email or invoice)
2. The exact date of your last charge and the amount
3. Screenshots of your policy page, partner app, or billing record
4. The phone number or email for your partner (if you signed up through a retailer or carrier)

Pro tip: Try to submit your cancellation request at least 3 to 5 days before your next billing date. Most monthly charges process on the same day each month, so this buffer gives customer service time to process your request before the next charge hits.

Warning: If you are in the middle of a claim, check whether canceling will block claim payouts or follow-up. Negative reviews on Trustpilot mention waiting 5 to 10 working days with repeated document requests. Some people regret canceling before their claim was fully resolved. Make a conscious choice: do you want the claim settled first, or does stopping future billing take priority?

Cancellation via mail (most documented method)

Assurant's primary cancellation route for customers outside the United States involves mailing a written cancellation request to their Puerto Rico address. This is slow but creates a paper trail.

1. Write a one-page letter on plain paper with your name, policy number, and the date you want the cancellation to take effect.
2. State clearly: "I request immediate cancellation of my Assurant policy [policy number]. Please confirm in writing and refund any unused premiums."
3. Keep a photo or scan of the letter before you send it.
4. Mail it via registered mail or a service that provides tracking (such as LBC or Philpost) to the address below:
   • Assurant
   • P.O. Box 2029
   • San Juan, Puerto Rico 00922
5. Wait 7 to 10 business days for confirmation. If you do not hear back within 14 days, send a follow-up email to info@assurantbpo.net with a photo of your registered mail receipt and request a cancellation confirmation.

Cancellation via phone (faster but requires documentation)

Call customer support at 02-422-2111 or 1-800-10-726-7864 during business hours (hours not published; try Monday to Friday, 9 AM to 5 PM Manila time).

1. Ask to speak with a cancellation specialist or customer service representative.
2. Have your policy number and last payment date ready.
3. State your request clearly: "I want to cancel my Assurant policy effective immediately and request a refund of any unused premiums."
4. Ask for a confirmation reference number and email address where the written confirmation will be sent.
5. Do not hang up until you have the reference number.
6. Send a follow-up email to info@assurantbpo.net within 24 hours, repeating your cancellation request and including the reference number from the phone call.

Pro tip: Record the name of the representative, the time of the call, and the phone number you called. Some users report difficulty reaching support, so persistence is key. If the line is busy, try again the next day during different hours.

Cancellation via your partner's platform

If you signed up through a mobile carrier, retailer, or lender, you may be able to cancel through their app or website first.

1. Log into your partner's app or website (e.g., your carrier's app, the retailer's portal, or your lender's account page).
2. Look for a Subscriptions, Add-ons, or Protection Plans section.
3. Find the Assurant plan and select Cancel or Remove.
4. Confirm the cancellation on screen.
5. Save a screenshot of the confirmation.
6. Email Assurant at info@assurantbpo.net with the screenshot and your policy number, stating that you have canceled through your partner account and request confirmation from Assurant's side.

This route is faster than mail but only works if your partner offers a self-service cancellation option. Many do not, which is why Stopee always recommends a belt-and-suspenders approach: cancel through the partner, then contact Assurant directly to confirm.

Cancellation via email (best for proof)

Email is your strongest documented route.

1. Compose a clear email to info@assurantbpo.net with the subject line: "Policy Cancellation Request - [Your Policy Number]"
2. In the body, include:
   • Your full name
   • Your policy number
   • Your date of birth (if available from your policy)
   • The requested effective date of cancellation (recommend "immediate")
   • A request for written confirmation and any refund details
3. Attach a screenshot of your most recent invoice or billing record.
4. Send with Read Receipt enabled (if your email client supports it).
5. Save the email confirmation in a folder labeled "Assurant Cancellation."
6. If you do not hear back within 5 working days, send a follow-up email with the subject "Follow-up: Policy Cancellation Request - [Your Policy Number]."

Pro tip: Email creates a permanent time-stamped record. Even if customer support is slow by phone, email proves you submitted your request on a specific date. This is critical if a charge posts after your cancellation date.

After you submit your cancellation request

The anxiety does not end when you hit Send. Many Assurant customers worry that charges will continue or that support will go silent.

Here is what you should do next.

Monitor your billing for the next 30 days

Check your credit card, GCash, or Maya account every 3 to 5 days for the next month. Look for any charges labeled "Assurant," "PlusCare," or the name of your partner. If a charge appears after your cancellation request date, take a screenshot and note the exact amount and date.

Warning: Some customers report that one final charge posts a few days after cancellation is confirmed-this is sometimes legitimate (final pro-rated billing) but sometimes an error. Do not assume it is correct. If it is more than a small amount, contact support again.

Keep all communications

Save every email, SMS, and support ticket number related to your cancellation. If you had a phone call, jot down the date, time, and name of the representative in a text file. Stopee has helped thousands of consumers reverse unauthorized charges because they kept documentation. That paper trail is your safety net.

Request a written cancellation confirmation

If Assurant does not send you an email confirmation within 7 working days, send a follow-up email stating: "I submitted a cancellation request on [date]. I have not received written confirmation. Please send a cancellation confirmation letter with the effective date and any refund details."

Do not assume silence means approval. Insurance companies require written cancellation confirmations, and you have the right to one.

Refunds and what to expect

Under Philippine consumer law, you are entitled to a refund of any unused premiums if you cancel mid-billing-cycle. Assurant may offer a pro-rated refund or a credit to your original payment method.

Expect a refund to arrive within 14 to 21 days if it is going back to your credit card. GCash and Maya refunds are typically faster (3 to 7 days). However, Stopee has seen refund timelines stretch to 30 days in cases where Assurant is processing a high volume of requests or if your original payment method has changed.

Pro tip: If you do not see a refund within 21 days, email info@assurantbpo.net with your cancellation confirmation number and ask for a refund status update. Request the date it was processed and the expected arrival date.

If a refund never arrives, you have the right to dispute the charge with your credit card company, GCash, or Maya. Provide them with your cancellation confirmation email as proof of your cancellation request. Most payment processors will reverse the charge if you have written evidence of cancellation.

Common mistakes to avoid

Cancellation feels stressful because so much can go wrong. Here are the traps that Stopee sees most often.

Mistake 1: calling support without documentation

A phone call alone is not enough proof. If the representative tells you "your policy is canceled," but you do not have a reference number or follow-up email, and then a charge posts next month, you have no way to prove you called. Always ask for a reference number and send a follow-up email within 24 hours recapping the conversation.

Mistake 2: canceling through your partner but not through assurant

If you signed up through a mobile carrier or retailer, canceling on their platform does not automatically cancel with Assurant. You must contact Assurant directly. Partner cancellations often only stop the partner from selling you renewals, not Assurant's billing. Stopee recommends contacting both.

Mistake 3: not waiting for confirmation before the next billing date

If you assume a cancellation is complete without written confirmation and a charge posts on your next billing date, reversing it becomes harder. Always wait for written confirmation before your next billing cycle. If you are cutting it close, pay the charge and request a refund rather than hope the cancellation went through.

Mistake 4: forgetting to save screenshots and dates

If you ever need to file a complaint with the DTI or dispute the charge with your bank, you will need proof that you canceled and proof of charges. Take screenshots of everything: the cancellation page, your last invoice, your payment record, the confirmation email. Store them in a single folder with dates in the filename.

Mistake 5: assuming no news is good news

Assurant customer service is slow. Silence does not mean your cancellation was approved. If you do not hear back within 7 working days, send a follow-up email. Persistence gets results.

Comparison: cancellation method strengths and weaknesses

The email method wins because it is fast, creates permanent proof, and does not depend on reaching a live representative. Most Stopee users succeed with email plus one follow-up.

Checklist: before you send your cancellation request

Use this checklist to confirm you are ready.

• You have your policy number written down
• You have the date of your last charge and the amount
• You have taken a screenshot of your policy page or last invoice
• You know whether you signed up directly or through a partner
• You have saved any active claim numbers or reference numbers
• You have decided on your preferred cancellation method (email recommended)
• You have set a phone reminder to check your billing 7 days after submitting the request
• You have created a folder to save all cancellation-related emails and screenshots

Escalation: if assurant refuses to cancel or keeps charging

Stopee empowers you with a clear escalation path if customer support becomes unresponsive or refuses your cancellation request.

Step 1: send a formal final notice

Email info@assurantbpo.net with the subject line: "Final Notice: Cancellation Effective Immediately - [Your Policy Number]." State that you have submitted a cancellation request on [date], you have not received confirmation, and you are formally notifying Assurant that your policy is canceled as of today. Copy the main Assurant Customer Support email (available at assurant.com/CustomerSupport/CallAssurant) if possible.

Step 2: file a complaint with the DTI

The Department of Trade and Industry (DTI) handles consumer complaints in the Philippines. You can file online at dti.gov.ph or visit your local DTI office with your cancellation emails, payment records, and the list of unauthorized charges. The DTI can order Assurant to refund you and pay penalties for violation of the Consumer Act.

Step 3: dispute the charge with your payment provider

Contact your credit card company, GCash, or Maya support and file a dispute for the unauthorized charge. Provide your cancellation email as evidence that you canceled and did not authorize the charge. Most payment processors will reverse the charge and launch an investigation. The burden shifts to Assurant to prove the charge was authorized.

Pro tip: You do not have to choose one path. File a DTI complaint and a payment processor dispute simultaneously. The more official channels you use, the faster Assurant responds.

Final summary and next steps

Canceling Assurant requires patience and documentation, but it is entirely doable. Stopee recommends starting with an email to info@assurantbpo.net at least 3 to 5 days before your next billing date. Include your policy number, screenshots of your last invoice, and a clear statement that you want immediate cancellation with a refund of unused premiums. Save the email confirmation, monitor your billing for 30 days, and follow up within 7 days if you do not hear back.

If you signed up through a partner (a mobile carrier, retailer, or lender), cancel there first, then contact Assurant directly to confirm. Do not rely on your partner to notify Assurant on your behalf; that almost never happens.

Consumer law in the Philippines (Republic Act No. 7394) is on your side. You have the right to cancel, the right to a refund, and the right to escalate to the DTI if Assurant refuses. Keep every email, screenshot, and receipt. Your documentation is your power.

Stopee has helped thousands of consumers cancel insurance policies, subscriptions, and protection plans. The frustration you feel is shared by many, and the path forward is clear: gather proof, submit in writing, follow up, and escalate if needed. You control this process, not Assurant.

Mailing address for registered mail cancellation:

Assurant
P.O. Box 2029
San Juan, Puerto Rico 00922
United States

Philippine support contact:

Email: info@assurantbpo.net
Phone: 02-422-2111
Alternative phone: 1-800-10-726-7864 or 1-800-8-726-7864

Escalation contact (DTI):

Department of Trade and Industry
Website: dti.gov.ph
Hotline: 02-8738-5000

Start your cancellation today. Stopee is here to remind you that your rights matter, your documentation is your shield, and a refund is within reach.