Cancel Priority Health: Your Complete Guide

How to cancel Priority Health insurance in canada: your complete step-by-step guide

Why customers cancel Priority Health and what you need to know first

Life changes, and your insurance should change with it. You might be cancelling Priority Health because your employer now offers health benefits, you've found a competing plan with better coverage, your financial situation has shifted, or your family circumstances have changed. Whatever your reason, you have consumer rights that protect your exit from this contract, and Tocancel is here to guide you through every step.

Priority Health is a Canadian health insurance provider offering individual and family coverage through MyPriority accounts. Their plans include prescription drug coverage (up to $30,000 annually), paramedical services, dental and vision eligibility, emergency travel health protection, and wellness resources. Monthly premiums range from $129 for single coverage to $306 for family plans, and you manage your policy online through their MyPriority portal.

Before you cancel, understand this: Priority Health requires at least 14 days' notice before the month you want your coverage to end. This means if you want coverage to stop on January 31, you must notify them by January 17 at the latest. Your coverage continues through the end of the billing period you've specified, and billing stops for all subsequent months. Understanding these timelines prevents accidental renewals and ensures a clean break from the service.

Reasons customers choose to cancel

Most cancellations fall into one of four categories: switching to employer-sponsored coverage, finding a more affordable or comprehensive plan elsewhere, relocating to a province with different insurance rules, or reassessing health coverage needs after a life event. Each reason is valid, and none requires justification under Canadian consumer law. Your right to cancel is protected regardless of your circumstances.

The critical 14-day cooling-off period

If you purchased your Priority Health plan fewer than 14 days ago, you have an automatic right to cancel without penalty. This cooling-off period is guaranteed under federal consumer protection law and applies coast to coast. You do not need to provide a reason, and Priority Health must refund all charges related to that purchase. If you fall within this window, Tocancel recommends invoking this right in writing immediately to avoid disputes.

Your consumer rights under canadian law

As a Canadian consumer, you have protections under federal and provincial legislation that give you the power to exit contracts fairly.

Federal protection: the consumer protection act

The federal Consumer Protection Act grants you the right to cancel any subscription or ongoing service within 14 calendar days of purchase without penalty or justification. This is your strongest legal lever if you purchased recently. Your legal position is clear: if you bought Priority Health fewer than 14 days ago, Priority Health cannot refuse your cancellation request or charge any penalty fees. If the company denies your refund, you can escalate to the federal government's consumer protection office. Keep all purchase confirmations and communications as proof of your purchase date.

Provincial consumer protection laws

Each province enforces its own consumer protection rules alongside federal law. Ontario's Consumer Protection Act, British Columbia's Business Practices and Consumer Protection Act, and Alberta's Fair Trading Act all include cooling-off periods and refund protections for new purchases. If you purchased Priority Health fewer than 14 days ago, you can cite your provincial law as grounds for a full refund. Tocancel recommends you reference your specific province when requesting a refund during this window to strengthen your claim.

After the 14-day period, you can still cancel, but you must follow Priority Health's standard cancellation process and provide the required notice period. Most provincial laws do not allow penalty-free cancellation after the cooling-off window closes, but they do require companies to honour cancellation requests made in writing and to process them within reasonable timelines.

What to do if Priority Health refuses your cancellation

If Priority Health denies your refund request, ignores your cancellation, or continues to charge you after you've submitted a valid cancellation notice, contact your provincial consumer protection authority. In Ontario, contact the Ministry of Government and Consumer Services. In British Columbia, contact the Office of the Superintendent of Financial Institutions. In Alberta, contact Fair Trading Alberta. These agencies have enforcement power and can compel refunds or order the company to cease billing. Tocancel advises you to keep all correspondence (emails, confirmation numbers, call logs, and billing statements) as evidence for any formal complaint.

Priority Health pricing and plan overview

Review your current coverage and premium costs to understand what you are paying and what you will no longer owe after cancellation.

Cancelling your Priority Health plan stops all future charges at the end of your notice period. You will not be billed for months after your cancellation takes effect, provided you submit your notice before the deadline.

How to cancel Priority Health: step-by-step methods

Priority Health offers multiple cancellation pathways. Choose the method that works best for your situation and follow the steps carefully to ensure your cancellation is processed correctly.

Method 1: cancel online via MyPriority portal

The quickest way to cancel is through your MyPriority account. This method leaves you with immediate digital confirmation.

1. Log into your MyPriority account at the Priority Health website.
2. Navigate to your account settings or policy management section.
3. Select "Cancel coverage" or "End subscription" from the available options.
4. Specify your desired cancellation date (at least 14 days from today).
5. Confirm your cancellation request and note your confirmation number.
6. Take a screenshot or print a copy of the confirmation page for your records.

Online cancellation is instant and verifiable. Tocancel recommends this method if you want a clear digital paper trail.

Method 2: cancel by phone

If you prefer direct contact, call Priority Health's customer service team. Have your policy number and identification ready when you call.

1. Call Priority Health customer service during business hours (confirm their phone number on your most recent billing statement or the official website).
2. Provide your full name, policy number, and date of birth to verify your identity.
3. State clearly that you wish to cancel your coverage effective a specific date (at least 14 days away).
4. Ask the representative to confirm your cancellation in writing and provide a reference number.
5. Follow up with an email to Priority Health requesting written confirmation of the cancellation details discussed during the call.

Phone cancellation gives you the chance to ask questions, but always follow up in writing to create a documented record. Tocancel advises against relying on a phone call alone as your only proof of cancellation.

Method 3: cancel by email

Email cancellation provides a documented trail and is often the safest method for consumers.

1. Compose a professional email to Priority Health's customer service address (found on their official website or your policy documents).
2. Include your full name, policy number, date of birth, and current contact information.
3. State clearly: "I request cancellation of my Priority Health policy, effective [specific date at least 14 days away]."
4. Explain that you are providing 14 days' notice as required by their terms.
5. Ask for written confirmation of your cancellation request and the effective cancellation date.
6. Send the email using your account email address and keep a copy for your records.
7. Check your email for a confirmation response within 2 business days.

Email is Tocancel's preferred method because it creates an automatic timestamp and ensures you have evidence of your request.

Method 4: cancel by registered mail

If you want absolute proof of delivery, send your cancellation notice by registered mail with return receipt requested.

1. Write a formal cancellation letter including:
   • Your full name and date of birth
   • Your Priority Health policy number
   • The phrase: "I hereby request cancellation of my Priority Health policy, effective [date at least 14 days away]"
   • Your signature and the date you are writing the letter
2. Place your letter in an envelope addressed to Priority Health's mailing address (available on your policy documents or official website).
3. Go to Canada Post and request "Registered Mail with Return Receipt Requested." This service costs approximately $12-$15 and provides proof that Priority Health received your letter.
4. Keep your receipt and tracking number. Request the return receipt confirmation once it arrives in 3-5 business days.
5. Store all documentation in a safe place. If a dispute arises, you have proof of timely delivery.

Registered mail is the most bulletproof method if you anticipate any resistance from Priority Health. Tocancel recommends this approach for customers concerned about billing errors or company non-compliance.

The cancellation timeline and what happens after

Understanding the exact timeline prevents confusion and ensures your cancellation takes effect when you expect it to.

How the 14-day notice requirement works

Priority Health requires a minimum of 14 days' notice before the first day of the month you want your coverage to end. If today is January 10 and you want coverage to end on February 28, you must submit your cancellation by February 14 at the latest. Your coverage continues without interruption until February 28, and no charges appear on your account for March or beyond. This notice period ensures Priority Health has time to process your request and allows you to plan any gap in coverage if needed.

What happens after you submit your cancellation

Once you submit your cancellation request via any method, Priority Health should acknowledge receipt within 1-2 business days. Your coverage remains active and fully functional until the cancellation date you specified. No charges are deducted after that date. If you receive a bill for a month after your cancellation takes effect, contact Priority Health immediately and reference your cancellation confirmation number. Do not ignore unexpected charges; they are often processing errors that Priority Health will reverse once you provide proof of your cancellation request.

Protecting yourself during the cancellation period

Until your cancellation is finalized, continue to pay any outstanding balances or premiums due. Failing to pay outstanding charges can damage your credit and complicate your exit. Keep your MyPriority account active so you can confirm that no new charges post after your cancellation date. If you need emergency coverage before your cancellation takes effect, your policy remains in force and you can use it without restriction.

Refunds and pro-rata billing after cancellation

Understand what refunds you are entitled to and how Priority Health calculates any money owed back to you.

Refunds within the 14-day cooling-off period

If you cancel within 14 days of your purchase, you are entitled to a full refund of all premiums and fees paid. Priority Health must process this refund within 15-30 days of receiving your cancellation request (timelines vary by province, so check your local consumer protection rules). Request your refund in writing and specify your preferred refund method (original payment method, cheque, or bank transfer). Tocancel recommends confirming the expected refund date in your cancellation email or letter so you can follow up if the refund does not arrive on time.

Refunds after the 14-day cooling-off period

After the cooling-off window closes, Priority Health typically does not offer refunds for premiums already paid. However, if you cancel mid-month or mid-billing cycle, Priority Health may owe you a pro-rata (proportional) refund for unused coverage. For example, if your monthly premium is $129 and you cancel on the 15th of a 30-day month, you may be entitled to a refund of approximately $64.50 for the unused half-month. Ask Priority Health to calculate this refund when you submit your cancellation request.

How to request and track your refund

Include explicit refund instructions in your cancellation request. State your preferred refund method and ask for a confirmation of the refund amount and expected processing date. If Priority Health owes you money, they must process it within the timeline specified in your provincial consumer protection law (typically 15-30 days). If you do not receive your refund within 45 days, contact Priority Health's billing department and cite your cancellation confirmation number. If Priority Health continues to withhold your refund without explanation, escalate to Tocancel or your provincial consumer protection authority for assistance.

Common cancellation mistakes and how to avoid them

Cancellation seems straightforward, but small errors can delay your exit or lead to unexpected charges. Here are the pitfalls Tocancel sees most often, and how to sidestep them.

Mistake 1: not submitting your cancellation in writing

Cancelling verbally over the phone or in person feels easier, but it leaves no evidence. If Priority Health loses your request or misunderstands your cancellation date, you have no proof you asked to cancel. Always submit your cancellation in writing via email, online portal, or registered mail. A digital or physical record protects you if a dispute arises.

Mistake 2: missing the 14-day notice deadline

If you want your coverage to end on February 28, you must submit your notice by February 14. Submit your cancellation too late, and your coverage extends into March with a new charge. Calendar your cancellation deadline two weeks before the month you want to exit. Set a phone reminder if necessary. Missing this deadline by even one day can cost you an extra month of premiums.

Mistake 3: cancelling without confirming the effective date

Always specify the exact date your cancellation takes effect. If you simply ask to "cancel as soon as possible" without a specific date, Priority Health may process your cancellation for a date further in the future than you expected. Request cancellation effective the first day of a specific month (e.g., "effective March 1, 2025") to avoid ambiguity.

Mistake 4: not requesting written confirmation

After you cancel, ask Priority Health to send you a confirmation letter or email stating your policy number, cancellation date, and final billing date. This confirmation is your proof. Without it, you are relying on Priority Health's internal records, which can be lost or misstated. Tocancel recommends storing confirmation emails in a dedicated folder and printing paper copies for your files.

Mistake 5: assuming cancellation stops all charges immediately

Your coverage continues through the cancellation date you specified. You may be charged one final premium for that last month. This is normal and expected. Do not be alarmed if a final charge posts; verify it covers only the period up to your cancellation date and then dispute it if it extends beyond.

Mistake 6: not checking your credit card or bank account after cancellation

Even after you cancel, monitor your billing account for at least two billing cycles to ensure no charges post after your cancellation date. If an erroneous charge appears, contact Priority Health immediately and provide your cancellation confirmation number. Most billing errors are resolved within 10 business days if you report them promptly.

Checklist: ensure your cancellation is complete

Use this checklist to confirm you have taken all necessary steps and protected yourself fully.

Comparison: Priority Health vs. competing plans

Before you finalize your cancellation, compare Priority Health's pricing and coverage to your alternative options so you are confident in your decision.

If you are switching to employer coverage or a competitor's plan, confirm that your new coverage starts before your Priority Health cancellation takes effect. A gap in coverage could leave you exposed to unexpected medical expenses. Tocancel advises overlapping your plans by one week if possible to ensure continuous protection.

Getting help if Priority Health refuses to cooperate

In rare cases, a company refuses to honour a valid cancellation request. If this happens to you, Tocancel has your back with clear escalation steps.

Step 1: document everything

Before escalating, gather all evidence of your cancellation attempts: emails, confirmation numbers, call logs with dates and times, billing statements, and any responses from Priority Health. Create a timeline showing when you submitted each cancellation request and what response you received. This documentation is critical evidence for any formal complaint.

Step 2: send a formal final notice

Send Priority Health one final email or registered letter stating: "I formally request cancellation of my Priority Health policy effective [date]. I submitted this cancellation request on [date] and received confirmation [number/reference]. If you do not honour this cancellation within 5 business days, I will file a complaint with [your provincial consumer authority]." This letter signals that you are serious and prepared to escalate. Often, companies cooperate once they see a formal notice with a government agency mentioned.

Step 3: file a complaint with your provincial consumer protection authority

If Priority Health ignores your final notice, contact your provincial regulator. Each province has an office dedicated to consumer complaints:

• Ontario: Ministry of Government and Consumer Services (ontario.ca/consumer)
• British Columbia: Office of the Superintendent of Financial Institutions (bcfsa.ca)
• Alberta: Fair Trading Alberta (fa.gov.ab.ca)
• Manitoba: Consumer Protection Office (gov.mb.ca/cpo)
• Saskatchewan: Ministry of Economy (economy.gov.sk.ca)
• Quebec: Office of the Protecteur du Consommateur (opc.gouv.qc.ca)
• Nova Scotia: Department of Services Nova Scotia and Internal Services (novascotia.ca)
• New Brunswick: Direction générale de l'accès à la justice (gouvernement.nb.ca)
• Prince Edward Island: Department of Economic Development and Tourism (ecdms.pe.ca)
• Newfoundland and Labrador: Department of Service NL (gov.nl.ca)

File your complaint online or by mail and include all documentation. The provincial authority will investigate and can order Priority Health to honour your cancellation and issue refunds. Tocancel recommends filing a complaint as soon as you realize Priority Health is not cooperating; delays weaken your position.

Step 4: dispute charges with your payment provider

If Priority Health continues to charge you after your cancellation, contact your bank or credit card issuer and request a chargeback or dispute for unauthorized charges. Provide your cancellation confirmation as evidence that you did not authorize further charges. Your payment provider can reverse erroneous charges within 90-180 days of the disputed transaction, depending on the payment method and your financial institution's policy.

What to do after your cancellation is complete

Cancelling is the first step, but protecting yourself after cancellation requires follow-up action. You have successfully exited Priority Health, but your work is not over.

Arrange continuous coverage

If you are not immediately switching to employer coverage or another insurance plan, identify a gap in coverage before your Priority Health cancellation takes effect. Research competing plans now so you can enrol with a new provider before your old coverage ends. A gap of even a few days can leave you without coverage for prescription medications or emergency paramedical services. Tocancel recommends starting your new plan on the same day your Priority Health coverage ends to eliminate overlap and gaps.

Obtain a final statement and proof of cancellation

Request a final billing statement from Priority Health that shows your coverage ended on your specified date and no further charges will be applied. Save this statement along with your cancellation confirmation. This proof is valuable if you ever need to prove you were no longer insured by Priority Health (for tax purposes, future coverage applications, or dispute resolution).

Update your records

Remove Priority Health from any automatic payment systems or savings in your payment apps. If Priority Health is linked to a digital wallet or automatic bill-pay service, delete the payment method to prevent accidental charges if a billing error occurs. Update any personal health records or insurance tracking spreadsheets to reflect that Priority Health is no longer your provider.

Monitor your credit and account activity

For the next 3-6 months, monitor your credit card or bank account statements monthly. If any Priority Health charges appear, report them immediately to your payment provider. Also request a copy of your credit report from Equifax or TransUnion to ensure Priority Health has not reported any unpaid balances incorrectly. If a negative credit mark appears related to Priority Health, dispute it with the credit bureau and provide proof of your cancellation.

Keep records for 7 years

Store your cancellation confirmation, final statement, and all communications with Priority Health for at least 7 years. Consumer disputes can surface years later, especially if you later claim a tax deduction or need to prove coverage history. Digital copies stored in the cloud and printed paper copies kept in a safe place give you the longest protection.

Why tocancel helps you cancel with confidence

Cancelling an insurance policy feels daunting, especially when you are unsure of your rights or afraid of unexpected charges. Tocancel has helped thousands of Canadian consumers cancel Priority Health and other insurance plans by providing clear, legal guidance and step-by-step support. Our mission is to ensure you understand your rights, navigate cancellation smoothly, and avoid costly mistakes.

Whether you cancel online, by phone, by email, or by registered mail, Tocancel's framework protects you from start to finish. We remind you to document every step, meet all deadlines, and escalate to government regulators if Priority Health fails to cooperate. Your right to cancel is backed by federal and provincial consumer protection law, and Tocancel ensures you know how to enforce it.

If you encounter resistance, billing errors, or refund delays, Tocancel is your reference guide for escalation. We explain which provincial authority has power over your case, what evidence to gather, and how to file a formal complaint. You are not alone in this process. Tocancel has your back at every stage.

Cancellation contact information and mailing address

Submit your cancellation using one of the methods below. For the most current contact details, visit Priority Health's official website or check your policy documents.

Online cancellation

Log into your MyPriority account at the Priority Health website and select the cancellation option in your account settings. Online cancellation is instant and requires no additional contact information.

Phone cancellation

Call Priority Health's customer service team. Verify the phone number on your most recent billing statement or official website before calling.

Email cancellation

Send your cancellation request to Priority Health's customer service email address (available on your policy documents or official website). Use the email template provided in the "Method 3: Cancel by email" section of this guide.

Registered mail cancellation

Send your cancellation letter by registered mail with return receipt requested to Priority Health's mailing address (available on your policy documents or official website). Use Canada Post's Registered Mail service and keep your receipt and tracking number as proof of delivery.

Tocancel's mission is to empower you to cancel any service with confidence and clarity. Follow the steps in this guide, keep your documentation safe, and you will exit Priority Health smoothly and legally. If you need additional support or have questions about your rights, return to Tocancel for answers.