Pembridge InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Pembridge Insurance (backed by Allstate Canada) policies
Pembridge Insurance is backed by Allstate Insurance Company of Canada and sold through independent brokers, primarily in Alberta, Ontario, and Atlantic Canada. The arrangement gives broker clients access to Allstate's financial strength while keeping the local broker relationship for service and claims.
For early cancellations Pembridge uses the standard industry short rate table. There is no separate fee; it keeps an “earned” percentage of your premium that rises over the policy year and refunds the rest.
How Pembridge calculates your cancellation fee
The standard table keeps 8% of your premium for a cancellation in the first three days and rises to 100% near renewal. Read the row for your days in force, take the retained percentage, and subtract it from your annual premium.
On a $1,200 policy cancelled after 30 days, Pembridge keeps about 15% ($180), leaving a $1,020 refund. A pro rata refund would return roughly $1,101 — so the short rate penalty is about $81. Notice how steep the penalty is early on: at 30 days you have used only about 8% of the policy year, yet Pembridge keeps 15%. The gap narrows as you approach renewal.
How to cancel your Pembridge policy
Your broker is the easiest route, but Pembridge can also be reached directly. Whichever you use, ask for a cancellation quote first — because the early-term penalty is steep, it is often worth checking whether you are close enough to renewal to simply let the policy run out.
- 1Contact your insurance broker first
- 2Or call Pembridge at 1-877-736-2743
- 3Have your policy number ready
- 4Request a cancellation quote first
- 5Specify your desired cancellation date
Refund processing: 7-14 business days. Pre-authorized payment: 1-2 billing cycles. Cheque by mail: 2-4 weeks.
Enter your premium to see dollar amounts below
Pembridge Insurance Short Rate Summary
Refund at key cancellation points, based on a $1200 annual premium
| Days in Force | Earned % | Amount Earned | Refund |
|---|---|---|---|
| 14 days | 11% | $132.00 | $1,068.00 |
| 30 days | 15% | $180.00 | $1,020.00 |
| 60 days | 23% | $276.00 | $924.00 |
| 90 days | 31% | $372.00 | $828.00 |
| 120 days | 39% | $468.00 | $732.00 |
| 180 days | 54% | $648.00 | $552.00 |
| 270 days | 78% | $936.00 | $264.00 |
| 330 days | 93% | $1,116.00 | $84.00 |
How Pembridge compares
Pembridge uses the standard industry short-rate schedule, the full curve of which is on our short rate table, so the penalty maths is ordinary.
The Allstate backing doesn't change the penalty, but it does change the context: Pembridge clients often hold other Allstate-family products. Before you cancel, check whether dropping this policy affects a multi-policy or bundling discount on the rest — the lost discount can quietly cost more than the short-rate penalty itself.
Tips to minimize penalties
- • Use your broker — they can negotiate better cancellation terms and find alternatives within their portfolio of insurers.
- • Timing matters — short rate penalties decrease as you approach renewal. Use our calculator to find the optimal time.
- • Check multi-policy discounts — cancelling one policy may affect discounts on other Pembridge/Allstate policies.
Frequently Asked Questions
How much is the Pembridge Insurance cancellation fee?
Pembridge uses the standard short rate table rather than a flat fee. On a $1,200 policy cancelled after 30 days, it keeps about 15% ($180) and refunds $1,020. A pro rata refund would return roughly $1,101, so the short rate penalty in this example is about $81 — note how steep the early-term penalty is relative to the time actually used.
Does Pembridge Insurance charge a separate cancellation fee?
No. There is no standalone administrative fee; the penalty is built into the standard short rate calculation. As a broker-distributed insurer, your broker can walk you through the figure before you commit.
How do I cancel my Pembridge Insurance policy?
Contact your insurance broker first, or call Pembridge directly at 1-877-736-2743. Have your policy number ready, request a cancellation quote, and specify your desired cancellation date before confirming.
Is Pembridge Insurance backed by a larger company?
Yes. Pembridge Insurance Company is backed by Allstate Insurance Company of Canada, giving broker clients access to the financial strength of one of North America’s largest insurers.
How long does a Pembridge refund take?
Refunds are typically processed within 7-14 business days. If you pay by pre-authorized withdrawal, allow 1-2 billing cycles; a cheque by mail can take 2-4 weeks.
Sources & Verification
- ·Standard Canadian short rate cancellation table, which Pembridge Insurance uses for early cancellations.
- ·Pembridge service line (1-877-736-2743) and broker channel for current cancellation procedures.
- ·Reviewed by the CostExpert editorial team. Figures are estimates — confirm your exact refund with Pembridge or your broker before cancelling.
Reviewed by CostExpert Editorial Team · Last verified June 2026
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