Insurance coverage starts from the date of purchase, therefore the amount that is paid for the insurance is non-refundable. Once the insurance payment is received, we forward your information to the insurance company, and your coverage begins.
Insurance is an 'all or nothing' purchase and you will not have the option to remove it once it has been added.
We often explain this insurance to our travelers by comparing it to car insurance. Every year you pay for car insurance, however you do not actually use it or file a claim unless you have an accident. The insurance is covering you in the event that you would need it, but if you don't use it, you do not get your money back at the end of the year.