Patriot International Lite

(13) CANCELLATION BY INSURED PERSON: The Insured Person shall have three (3) days from the Initial Effective Date, as defined herein, (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date via the MyIMG customer portal(www.imglobal.com/member) or by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation via the MyIMG customer portal or by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:

(a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
(b) If no claims have been filed with the Company:

(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged, regardless of the reason for cancellation; and
(ii) any refund amount that is less than the cancellation fee is non-refundable; and
(iii) only Premium covering time periods after the requested cancellation date are refundable.