Refund of total plan cost, minus the processing fee, is considered, if a written request is received by Trawick International prior to the effective date of coverage. If written request is received after the effective date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee of $10, provided no claim has been submitted. If you purchase the Safe Travels Trip Protection coverage you have a 10 day free look. If during that 10 days you decide you do not want the coverage, you need to return the certificate to us for a full refund. After the10 days the premium is considered fully earned and not refundable.