Questions & answers · Travel insurance
What does Jefferson Insurance Company's travel insurance policy say about cancelling and getting a refund?
AI-drafted from filed documents · reviewed: pendingcancellation and refundsJefferson Insurance Company
Under Jefferson Insurance Company's filed form for New Jersey (NJ), You may cancel Your Coverage and request a full refund of premium within 10 days of purchasing the Plan, as long as You have not already traveled or filed a claim [1]. No refunds are paid to You after 10 days of purchasing the plan except as provided for in the Cancellation section below [1]. Your Coverage ends on the last Day of Your Travel Dates or the Day You cancel Your Coverage, whichever is earliest [1]. Under Jefferson Insurance Company's filed form for Alabama (AL), if You cancel Your policy, the insurer will provide a refund of any unearned premium [2]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Jefferson Insurance Company · NJ · SERFF WDAS-126205895 · p. 1
CERTIFICATE REVIEW PERIOD (FREE LOOK PERIOD) Within 10 days of purchasing the Plan, upon Your request, You may cancel Your Coverage and request a full refund of premium, as long as You have not already traveled or filed a claim. No refunds shall be paid to You after 10 days of purchasing the plan except as provided for in the Cancellation section below. I. COVERAGE TERM Your Coverage begins the day Your enrollment is postmarked, telephone order is placed; or faxed or internet (electronic) order is received, provided that all applicable premium has been paid. Your Coverage ends the last Day of Your Travel Dates, or the Day You cancel Your Coverage, whichever is earliest. To learn about cancelling Your Coverage, see Cancellation section below. Coverage is not extended if You extend Your Trip.
[2] Jefferson Insurance Company · AL · SERFF WDAS-131332682 · p. 24
If you cancel your policy, we will provide a refund of any unearned premium. Duplicate Coverage If you are covered by another insurance policy that we have issued with the same or similar coverage, we will pay no more than the highest amount of coverage payable under any one insurance policy. Fraud and Misrepresentation 101‐P‐1000‐2017 You are responsible for all statements or other representations you make. Any materially misleading or inaccurate information in any statements or representations you make may result in us voiding your policy or reducing benefits, or we may use them to defend our decision about a claim. Fraud is illegal and may subject you to criminal prosecution and civil penalties. We will deny your claim if you or someone acting on your behalf: 1. Makes any false statements or statements that are deliberately misleading or deceptive; 2. Conceals or misrepresents any material fact; or 3. Otherwise attempts or commits fraud.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q6e41c9eb. Spotted an error? Tell us.