If you have to cancel your policy and request a refund, you may do so free of administration fees if your refund request is for medical reasons or a death in your immediate family. If you request a refund for any other reason, a $50 administration fee will apply. Your request for refund must be made prior to your effective date; otherwise only a partial refund will be issued. See “Refund Policy” on page 11 of the Medipac Travel Insurance Policy or page 37 of the Medipac Travel Insurance Guide. You may also cancel your policy within 10 days of purchase with a full premium refund provided you have not departed on your trip and there is no claim in progress.