Cancel Apollo Insurance: Step-by-Step Guide

How to cancel Apollo Insurance and protect your refund in canada

What is Apollo Insurance

Apollo Insurance operates across Canada as an online-first tenant and condo insurance provider. The company offers flexible monthly or annual premiums with quick online quotes and automated policy management through their web portal at apollocover.com. Apollo's policies typically cover contents, additional living expenses, and personal liability protection for renters and condo owners.

However, Apollo's cancellation terms and refund practices differ from many competitors. Your policy documents contain specific cancellation conditions, and understanding these terms before you sign up protects you later. At Tocancel, we help Canadian consumers navigate insurance cancellation with confidence and clarity on what you are actually owed.

Why customers cancel Apollo Insurance

You may cancel Apollo Insurance for many valid reasons: you found cheaper coverage elsewhere, you moved and no longer need tenant coverage, you purchased a home and switched to homeowners insurance, or you experienced service issues. Whatever your reason, you have consumer rights that protect your cancellation request and any refund due to you.

How Apollo Insurance structures its policies

Apollo sells insurance directly through its online platform, bypassing traditional brokers. This model keeps premiums lower but means you must handle cancellation directly with Apollo, not through a third party. Your policy documents define your exact cancellation rights, renewal dates, and fee retention terms. Before you purchase, review these documents thoroughly so you know your exit terms upfront.

Your consumer rights under canadian law

Canadian provincial consumer protection laws and insurance regulations establish a legal floor for how Apollo must treat you. These protections are enforceable and give you real leverage if Apollo refuses your cancellation or withholds an unfair refund.

Key protections that apply to you

Your provincial consumer protection act requires that Apollo disclose cancellation terms, fee structures, and refund calculation methods clearly before you purchase. If Apollo fails to provide transparent disclosure at the point of sale, you may have grounds to dispute any fee retention or demand a full refund.

Additionally, the Insurance Act in your province (Ontario, British Columbia, Alberta, Quebec, Saskatchewan, Manitoba, or elsewhere) may grant you specific cancellation rights. For example, some provinces allow you to cancel within 30 days of purchase without penalty. Others require Apollo to provide written notice of your cancellation rights at the time of purchase. Your legal position is stronger than you may think, especially if Apollo has not shown you these rights in writing.

The Financial Services Regulatory Authority (FSRA) in Ontario, the Insurance Council of British Columbia (ICBC), and similar bodies in other provinces enforce these rules. These regulators have the power to compel refunds and penalties if Apollo violates the law. Tocancel encourages you to research your specific provincial regulator before you need to escalate.

What to do if Apollo refuses your cancellation

If Apollo denies your refund or ignores your cancellation request, you have formal escalation options. Contact your provincial insurance regulator directly and file a formal complaint. You may also escalate to the Financial Consumer Agency of Canada (FCAC) if Apollo is federally regulated. These agencies investigate for free and can compel Apollo to refund money or overturn unfair decisions within weeks. Document every communication with Apollo so you have a clear record to present to the regulator.

How to cancel Apollo Insurance step by step

Follow these proven steps to cancel your Apollo Insurance policy securely and create an audit trail that protects your refund claim.

Method 1: cancellation via registered mail

Registered mail with proof of delivery is the legally strongest way to cancel Apollo Insurance in Canada. This method creates an official timestamp, proves Apollo received your notice, and leaves no room for dispute.

1. Gather your policy details and cancellation letter
   • Locate your Apollo Insurance policy number (found on your policy document or renewal notice).
   • Write down your full name, date of birth, and email address as they appear on your account.
   • Note your policy start date, current renewal date, and the date you want the cancellation to take effect.
   • Draft a clear cancellation letter stating: "I request immediate cancellation of my Apollo Insurance policy effective [date]. Please confirm cancellation in writing and provide a full refund calculation within 14 days."
2. Send your cancellation letter via Canada Post registered mail
   • Print your letter and sign it by hand.
   • Visit your local Canada Post office and request registered mail with proof of delivery (signature required).
   • Keep your Canada Post receipt and proof of delivery number for your records.
   • The registered mail receipt serves as your legal proof that Apollo received your cancellation notice on a specific date.
3. Follow up within 5 business days
   • Check your email for a cancellation confirmation from Apollo.
   • If you do not receive confirmation within 5 business days, contact Apollo's customer service by phone and reference your registered mail delivery number.
   • Document the date, time, and name of the person you spoke with.
4. Track your refund within 30 days
   • Apollo must issue your refund within 30 days of cancellation (check your provincial Insurance Act for the exact timeline).
   • If you have not received your refund after 30 days, send a follow-up registered letter demanding payment and citing your provincial consumer protection law.

Method 2: cancellation via email

Email cancellation is faster but creates a weaker legal record than registered mail. Use this method only if you need immediate cancellation and plan to follow up with registered mail.

1. Compose a formal email
   • Send your cancellation request to Apollo's customer service email address (verify this on apollocover.com or your policy documents).
   • Include your policy number, full name, and request effective cancellation date in the subject line.
   • In the body, write: "I request cancellation of my Apollo Insurance policy [number] effective [date]. Please confirm receipt of this email and provide a refund calculation within 7 business days."
   • Keep the email professional and direct, avoiding emotional language.
2. Request delivery confirmation
   • Enable read receipt on your email client to confirm Apollo opened your message.
   • Save a copy of the email with the timestamp and delivery receipt.
3. Follow up with registered mail
   • If Apollo does not confirm cancellation within 3 business days, send the same cancellation request via registered mail immediately.
   • This dual method protects you: the email creates a fast response path, and the registered mail creates a legal record.

Method 3: cancellation by phone

Phone cancellation is convenient but leaves no written record unless you document the call carefully. This method works best as a supplementary step after you send written notice.

1. Prepare before you call
   • Have your policy number, full name, and account details ready before you dial.
   • Decide your cancellation effective date in advance (e.g., "I want to cancel effective immediately" or "effective the end of my current billing cycle").
   • Use a phone line where you can record the call (check your provincial law on recording consent; in most Canadian provinces, you may record as long as you are a party to the call).
2. Request cancellation confirmation in writing
   • Tell the Apollo representative: "I am cancelling my policy effective [date]. Please email me a written cancellation confirmation and refund calculation within 24 hours."
   • Note the representative's name, time of call, and confirmation number.
   • If the representative refuses to provide a confirmation number, ask to speak with a supervisor.
3. Follow up with email
   • Send an email within 1 hour of your call summarizing the conversation: "On [date/time], I spoke with [representative name] and requested cancellation effective [date]. Confirmation number: [number]. This email confirms my verbal cancellation request."
   • Save the representative's response.

Understanding Apollo Insurance cancellation fees and refunds

Your cancellation refund depends on your policy type, the timing of your cancellation, and Apollo's fee retention policy. Understanding these factors helps you calculate what you are actually owed and dispute unfair deductions.

How Apollo calculates refunds

Most insurers use a pro-rata refund formula: you receive back a percentage of your premium equal to the percentage of your policy period you did not use. For example, if you cancel 6 months into a 12-month annual policy, Apollo should refund roughly 50 percent of your premium (minus any applicable cancellation fee).

However, Apollo may retain cancellation fees, administrative costs, or premium taxes depending on your policy terms and province. Your policy documents specify these deductions. If Apollo's stated fees seem excessive or are not clearly disclosed in your original contract, this is grounds to dispute the refund with your provincial regulator. Tocancel advises you to compare Apollo's stated fees against those of 2-3 competitors: if Apollo's deductions are significantly higher, escalation is justified.

Timeline for receiving your refund

Canadian consumer protection law typically requires that insurers issue refunds within 30 days of cancellation. Some provinces mandate 21 days. Check your provincial Insurance Act or consumer protection statute for the exact timeline. If Apollo misses this deadline, you may be entitled to interest on the delayed refund under your provincial law.

Common mistakes when cancelling Apollo Insurance

Many people cancel insurance without protecting themselves, and they lose money as a result. Learn from these common errors so you do not repeat them.

Mistake 1: cancelling verbally without written confirmation

If you cancel by phone alone and Apollo claims they never received your request, you have no proof. Always request written confirmation in email or registered mail immediately after a phone call. A single email exchange takes 2 minutes and protects your refund claim for years.

Mistake 2: accepting apollo's first refund offer without verification

Apollo may send you a partial refund that seems reasonable but is actually below what your policy terms permit. Before you cash the cheque, calculate the refund manually: multiply your total annual premium by the percentage of unused days, then subtract only the fees listed in your original policy. If Apollo's refund falls short, dispute it in writing before you accept payment.

Mistake 3: cancelling mid-month without checking your policy renewal date

If you cancel on the 15th but your policy renews on the 20th, Apollo may charge you for the full 5 additional days. Review your renewal date before you cancel and choose a cancellation date that aligns with your billing cycle. This simple step can add $10-30 to your refund.

Mistake 4: failing to document communications

Save every email, letter, and call confirmation. Create a simple spreadsheet with the date, method, confirmation number, and outcome of each contact with Apollo. If you need to escalate to a regulator, this record becomes your evidence and dramatically increases your chances of a successful claim.

What to do after you cancel Apollo Insurance

Cancellation does not end after you receive Apollo's confirmation. These follow-up steps ensure your refund arrives and your account closes cleanly.

Verify your refund within 30 days

Check your bank account or mailbox for Apollo's refund cheque within 30 days of cancellation. If the refund arrives, verify the amount matches your calculation. If it falls short, contact Apollo within 7 days and request an explanation in writing. If Apollo cannot justify the deduction, escalate to your provincial regulator immediately.

Confirm your coverage is actually cancelled

Log into your Apollo account (if access remains active) and confirm your policy status shows "cancelled" or "inactive". Contact Apollo one final time to request written confirmation that your policy is cancelled and no further premiums will be charged. This prevents surprise charges months later.

Switch to a new insurer before the gap

Do not leave yourself without tenant or condo insurance, even for a day. Purchase your new policy from another insurer and ensure it becomes active on the same date Apollo's coverage ends. A coverage gap can void claims and expose you to legal liability if damage occurs while you are uninsured.

Refund and fee comparison table

When you should escalate to a regulator

If Apollo refuses your cancellation, delays your refund beyond 30 days, or charges fees not listed in your original policy, escalate immediately. Regulators investigate for free and can compel refunds with penalties.

Filing a complaint with your provincial regulator

Contact the insurance regulator in your province: FSRA (Ontario), Insurance Council of British Columbia, Alberta Financial Services Authority, or your provincial equivalent. Provide your policy documents, cancellation letter, Apollo's responses, and your refund calculation. The regulator will investigate at no cost to you and typically resolve the issue within 4-8 weeks. Tocancel recommends filing in writing (by email or mail) so you have a dated record of your complaint.

Filing a complaint with the financial consumer agency of canada

If Apollo is federally regulated, file a complaint with the FCAC. The FCAC has authority over federally regulated financial institutions and can investigate disputes related to cancellation and refunds. Visit fca-acfc.gc.ca to file online. The FCAC will contact Apollo on your behalf and facilitate resolution.

Key differences between Apollo and other canadian insurers

Your cancellation checklist

Use this checklist to ensure you complete every step and protect your refund:

• Write down your Apollo policy number, full name, and renewal date.
• Calculate your expected refund using the pro-rata formula above.
• Draft your cancellation letter with your desired effective date.
• Send cancellation via registered mail or email with delivery confirmation.
• Document the date, time, confirmation number, and name of Apollo representative you spoke with.
• Request written cancellation confirmation from Apollo within 24 hours.
• Follow up with a second communication (email + registered mail) if Apollo does not confirm within 3 business days.
• Track your refund and verify it arrives within 30 days of cancellation.
• Compare Apollo's refund amount against your manual calculation.
• Dispute with Apollo in writing if refund is below your calculated amount.
• If Apollo refuses or delays beyond 30 days, file a complaint with your provincial regulator immediately.
• Purchase new insurance before your Apollo coverage ends to avoid a gap in coverage.

How to contact Apollo Insurance

Use these contact methods to initiate your cancellation or follow up on your request:

Registered mail address:

Apollo Insurance
Contact Apollo directly through your policy documents for the current mailing address, or visit apollocover.com for the latest cancellation address. Policy documents typically list the registered office address for legal notices.

Email: Check your policy documents or apollocover.com for the official customer service email address.

Phone: Contact information is available on your renewal notice or the Apollo website.

Online: Log into your Apollo account portal (if available) to request cancellation through your account dashboard.

Next steps: take control of your cancellation

Cancelling Apollo Insurance is straightforward when you follow the legal framework that protects you. Your consumer rights under Canadian provincial law are real, enforceable, and often stronger than Apollo's cancellation terms suggest. By sending written notice via registered mail, documenting every communication, and tracking your refund timeline, you eliminate the risk of disputes and delays.

If Apollo refuses your cancellation or withholds an unfair refund, escalate to your provincial regulator without hesitation. These agencies investigate for free, move quickly, and have the power to compel refunds and penalties. You do not need a lawyer, and you do not need to accept Apollo's position if it violates consumer protection law.

Tocancel has helped thousands of consumers cancel insurance policies, recover unfair refunds, and hold companies accountable. Visit Tocancel.com today to access cancellation templates, provincial regulator contact information, and step-by-step guides tailored to your province. Your cancellation starts now, and Tocancel will walk you through every step.