Can I cancel my travel insurance policy in India?
TeamAckoMar 10, 2026
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Yes, you can cancel travel insurance, but the rules depend on timing and policy terms. Most insurers allow cancellation within a free-look period, subject to conditions.
As long as no claims have been filed, you can end travel insurance coverage at any time prior to the policy's start date and receive a complete refund (excluding small costs). Proof of non-travel (a copy of your passport) and insurer permission are required for cancellations made after the policy has begun.
In this guide, we will explain travel insurance cancellation in detail and walk you through how you can cancel your travel insurance from ACKO smoothly and correctly.
Contents
What is Cancellation of Travel Insurance policy?
Cancellation of travel insurance refers to the termination of your policy before the completion date so that coverage is no longer covered starting from the date of cancellation. It is normally done during the free look-up period, which is a small window of time, usually 15 days from the date of purchase, during which you can look at the terms and cancel if unsatisfactory, and usually get a refund after deductions.
Cancelling travel insurance should not be confused with trip cancellation insurance. While cancellation of the policy ends all benefits, trip cancellation insurance is a coverage feature that reimburses non-refundable trip costs if your journey is cancelled due to covered, unforeseen reasons.
What to Keep in Mind When Cancelling a Travel Insurance Plan?
There are a few things you must keep in mind while cancelling travel insurance online plans, such as:
1. Free-Look Period
Most overseas travel insurance policies include a 10–20 day* free-look period, allowing cancellation with a full refund if no claims are made.
2. Trip Status Matters
Cancelling travel insurance is easier before your journey begins; once the trip starts, insurers may request proof of non-travel.
3. Claims Already Filed
If any claim has been filed or settled under the policy, cancellation and premium refunds are generally not permitted.
4. Policy Start Date
Cancelling before the policy start date usually ensures higher refunds, while cancellations after activation may involve deductions or limited refunds.
5. Cancellation Charges
Cancellations beyond the free-look period may attract nominal administrative charges deducted from the refunded premium amount.
6. Covered vs Non-Covered Reasons
Refunds or benefits apply only when cancellation occurs due to reasons specifically covered and listed in the travel insurance policy.
7. Refund Processing Time
After cancellation approval, insurers may take several working days to process and credit the refund to your original payment method.
8. Documentation Requirements
Supporting documents such as medical reports, booking confirmations, or cancellation forms may be required to complete the cancellation process.
9. Policy Wording Review
Carefully reviewing policy terms helps you understand cancellation rules, refund eligibility, deductions, and timelines in advance.
10. Alternative Options
If travel plans change, consider rescheduling or modifying the policy instead of cancelling to avoid refund deductions or coverage gaps.
For example, if you booked a ₹1 lakh trip to Europe and had to cancel due to a sudden illness, your insurer could refund most of your prepaid costs, depending on your policy conditions.
If you prefer a simple and paperless process, you can buy travel insurance online through platforms like ACKO travel insurance, which offer instant policy downloads and fast claim settlements.
*Might change as per policy terms.
Can You Cancel Travel Insurance from ACKO?
If you have purchased a travel insurance policy from ACKO and are now confused whether you can cancel it if required, the answer is yes. You can easily cancel travel insurance from ACKO using their app or by emailing [email protected].
You may give ACKO a written notice at any point before the start of your trip, and the policy will end as soon as they receive such written notification. After deducting ₹100 (including relevant taxes) for each policy member, ACKO shall return the premium if no claims have been filed under the policy.
Read More: What Is a Cancel-for-Any-Reason (CFAR) Add-On and Is It Worth It?
Bottom Line
Travel insurance cancellation can be a worthwhile financial safeguard for travellers. Whether due to an unexpected illness, family crisis, or other reasons, adequate coverage ensures you are not responsible for the entire cost of a cancelled trip. Knowledge empowers you to choose the best plan and make claims. With planning and the proper policy in hand, you can travel with peace of mind, knowing your investment is secure.
Frequently Asked Questions
How do I cancel my Acko Travel Policy?
To cancel your ACKO travel insurance policy, email: [email protected]. Please do provide your policy number, the reason for cancellation & requisite documents. If you have purchased a new plan/policy, please provide a copy.
What Should You Do Before You Cancel Travel Insurance?
To cancel travel insurance, first check your policy's cancellation terms and confirm your reason is covered (e.g., illness, job loss). Gather supporting documents, such as flight cancellations or medical reports, and notify the insurer immediately. Prompt action is vital, as delays and proof of non-travel may affect your refund.
What is the refund timeline if I cancel my policy?
After cancelling your travel insurance policy, the refund is typically processed and credited to your account within seven working days.
Can I get a full refund if I cancel my travel insurance policy?
The refund amount depends on the policy type, coverage, and the reason for which you are cancelling the policy.
Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes. Please check the policy document for cancellation reasons, and terms and conditions of the policy.
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