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    Policies cancelled before the date the insurance coverage begins will receive a full refund minus the policy fee. Policies cancelled after the date the insurance coverage begins, will receive a pro-rated refund. Does not apply to daily policies, there are no cancellations or refunds on daily policies Our 6 month and Annual policies carry a high discount and are fully earned after 20 days on a 6 month policy and 30 days on an Annual policy.