Refund Policy

1. Overview

At Insurance Coverage Hub, we are committed to your satisfaction. This Refund Policy outlines the terms under which refunds are issued for premium payments made through our platform.

2. Eligibility for Refunds

A refund may be issued in the following circumstances:

• Cooling-Off Period: You may cancel your policy within 14 days of purchase for a full refund.
• Policy Cancellation: Cancelled policies may be eligible for a pro-rata refund of unused premiums based on the cancellation date.
• Billing Errors: If you were overcharged due to an administrative error on our part, we will issue a full refund of the excess amount.
• Premium Adjustments: When policy changes result in a lower premium, the difference will be refunded or credited to your account.

3. Refund Processing Timeline

Approved refunds are processed within 10–15 business days and returned to the original payment method. Please allow an additional 3–5 business days for your financial institution to complete the transfer.

4. Non-Refundable Items

The following are not eligible for refund:

• Administrative fees or service charges already incurred.
• Claims that have been paid out under the policy.
• Premiums for policies cancelled due to policyholder violation of terms and conditions.

5. How to Request a Refund

To request a refund, please contact our support team with your policy number, reason for the request, and preferred contact method. Reach us via:

• Phone: +1 866 424 3715
• Email: info@insurancecoveragehub.online

6. Exceptions and Special Cases

Certain circumstances may affect refund eligibility, including active claims, pending policy changes, or non-payment of premiums. Each case is reviewed individually by our team.