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At Insurance Plans Assist, we are committed to being transparent and fair with our customers. This Refund Policy outlines the conditions under which refunds may be issued for insurance premiums and fees paid through our platform. Please read this policy carefully before purchasing any insurance product.

1. GENERAL REFUND PRINCIPLES

Insurance premiums are generally non-refundable once a policy has been activated and coverage has commenced. However, refunds may be available under specific circumstances as outlined in this policy and in your individual policy documents. All refund requests are subject to review and approval by both Insurance Plans Assist and the underwriting insurance carrier.

2. COOLING-OFF PERIOD

You are entitled to a 14-day cooling-off period from the date your policy is issued. During this period, you may cancel your policy and receive a full refund of premiums paid, provided that:

  • No claims have been made or are pending under the policy.
  • The cancellation request is submitted in writing within 14 days of the policy start date.
  • The policy has not been used to obtain any benefit, service, or coverage.

Refunds under the cooling-off period will be processed within 7–10 business days to the original payment method.

3. CANCELLATION AFTER COOLING-OFF PERIOD

If you cancel your policy after the 14-day cooling-off period, the following applies:

  • Annual Policies: A pro-rata refund may be issued for the unused portion of your premium, minus a cancellation administration fee of up to $50 and any non-refundable fees charged by the underwriting carrier.
  • Monthly Policies: No refund will be issued for the current billing month. Coverage will continue until the end of the paid period, after which the policy will not renew.
  • Short-Term & Travel Policies: No refund is available once the coverage period has commenced.

4. REFUNDS FOR DUPLICATE PAYMENTS

If you have been charged more than once for the same policy due to a technical error or processing issue, please contact us immediately at info@insuranceplansassist.online or call +1 855 635 4164. Duplicate payments will be fully refunded within 5–7 business days upon verification.

5. REFUNDS FOR OVERPAYMENTS

If an overpayment is identified on your account, Insurance Plans Assist will notify you and issue a refund for the excess amount within 10 business days. Refunds will be returned to the original payment method used at the time of purchase.

6. NON-REFUNDABLE ITEMS

The following are non-refundable under all circumstances:

  • Policy administration and processing fees.
  • Premiums for any period during which a claim was made or is pending.
  • Gift cards, promotional credits, or bonus rewards issued as part of a promotional offer.
  • Premiums for short-term or travel policies once the coverage period has started.
  • Any fees paid to third-party service providers in connection with your policy.

7. POLICY CANCELLATION BY Insurance Plans Assist

In the event that Insurance Plans Assist or the underwriting carrier cancels your policy due to non-payment, fraud, or misrepresentation, no refund will be issued. If we cancel your policy for any other reason not attributable to you, a pro-rata refund of unused premiums will be issued within 14 business days.

8. HOW TO REQUEST A REFUND

To request a refund, please follow these steps:

  • Step 1: Contact our support team by phone at +1 855 635 4164 or by email at info@insuranceplansassist.online.
  • Step 2: Provide your full name, policy number, date of purchase, and reason for the refund request.
  • Step 3: Our team will review your request and respond within 3 business days with a decision.
  • Step 4: If approved, the refund will be processed to your original payment method within the timeframe specified above.

9. REFUND PROCESSING TIMES

Approved refunds are processed as follows:

  • Credit / Debit Card: 5–10 business days (depending on your card issuer).
  • Bank Transfer: 7–14 business days.
  • Original Payment Method: All refunds are returned to the original payment method used at the time of purchase.

Insurance Plans Assist is not responsible for delays caused by your bank or card issuer.

10. DISPUTES

If you are not satisfied with the outcome of your refund request, you may escalate your complaint by emailing info@insuranceplansassist.online with the subject line "Refund Dispute." We will review your case and respond within 5 business days. You also have the right to contact your state's Department of Insurance if you believe your refund request has been unfairly denied.

11. CHANGES TO THIS POLICY

Insurance Plans Assist reserves the right to update this Refund Policy at any time. Any changes will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically. Continued use of our services after changes are posted constitutes your acceptance of the updated policy.

12. CONTACT US

For any refund-related questions or requests, please reach out to us: