What is the refund policy?

For the World Explorer Guardian: All premium is refundable only during the ten (10) day review period from the date of delivery (or fifteen (15) days from the date of delivery if mailed) provided You have not already departed on Your Trip and You have not incurred any claimable losses during that time. If You depart on Your Trip prior to the expiration of the review period, the review period shall automatically end upon Your departure.
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For the World Explorer and World Explorer Multi: Premiums paid for this insurance policy may be refunded in full upon written request from the Insured Person prior to the first day of any Certificate Period. The Insured Person may cancel this insurance after the Certificate Effective Date upon advance written notice to the Plan Administrator. If any claims have been filed, the premium paid is fully earned and no refund is payable to the Insured Person. If no claims have been filed, Underwriters will refund the premium attributable to the unused days, after deducting an administrative fee of $50.