Travelers Dominion InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Travelers (Dominion of Canada General Insurance) policies
Quick estimate
Property scheduleRefund $828
The Dominion of Canada General Insurance Company was founded in 1887 and is one of the Canadian insurers that operated under the Travelers Canada name after The Travelers Companies acquired it on November 1, 2013. On January 2, 2026, Travelers sold its Canadian personal insurance business and most of its commercial business, including The Dominion and Travelers Insurance Company of Canada, to Definity Financial Corporation; the business wrote approximately $1.6 billion in annual gross written premiums at the time of the sale. The business was headquartered in Toronto and sold its auto and home policies through independent brokers. Neither Travelers nor Definity publishes a customer count for it.
For early cancellations Travelers Dominion applies the standard industry short rate table: 8% of the annual premium is retained for a cancellation in the first three days, rising to 100% at day 354. There is no separate cancellation fee. The schedule on this page is from Travelers' Ontario property rules; for an auto policy, confirm the cancellation basis when you request the quote.
How Travelers Dominion calculates your cancellation fee
The standard table keeps 8% of your premium in the first three days and rises to 100% at day 354. Find the row matching your days in force, take the retained percentage, and subtract it from your annual premium. The schedule below comes from Travelers' Ontario property rules; for an auto policy, confirm the exact schedule when you request the quote.
On a $1,200 policy cancelled after 180 days, Travelers keeps about 54% ($648), leaving a $552 refund — about $56 less than a pro rata refund of $608. The gap between short rate and pro rata is 6.8 points of the annual premium at day 30 (15% against 8.2%) and 4.7 points at day 180 (54% against 49.3%).
How to cancel your Travelers Dominion policy
Travelers Dominion policies are sold through independent brokers, so the cancellation request is submitted through the broker who holds your policy, or by calling the service number on your policy documents. Ask for a cancellation quote showing the retained premium and confirm the effective date before you agree.
- 1Submit the request through the broker who holds your policy
- 2Or call the service number on your policy documents
- 3Have your policy number ready
- 4Request a cancellation quote first
- 5Confirm the effective date in writing
Payment dates are not set in advance. Ask whoever processes the cancellation, the broker of record or the company named on your policy, to confirm when the refund will be paid and by what method.
Travelers Dominion Short Rate Summary
Refund at key cancellation points, based on a $1200 annual premium
| Days in Force | Earned % | Refund |
|---|---|---|
| 14 days | 11% | $1,068 |
| 30 days | 15% | $1,020 |
| 60 days | 23% | $924 |
| 90 days | 31% | $828 |
| 120 days | 39% | $732 |
| 180 days | 54% | $552 |
| 270 days | 78% | $264 |
| 330 days | 93% | $84 |
How Travelers Dominion compares
Travelers Dominion's percentages are identical to the standard industry table on every day of the term: 15% retained at day 30, 31% at day 90, 54% at day 180 and 86% at day 300, against 8.2%, 24.7%, 49.3% and 82.2% under a pro rata split. At day 90 the insurers that use their own schedules retain more: Intact 34%, TD and Desjardins 36%. The full schedule is on our short rate table.
Some cancellations are refunded pro rata with no short rate penalty, for example when the insurer rather than the policyholder cancels the policy. Whether your reason qualifies is set by the insurer's rules, so ask when you request the quote.
Before you cancel
- Property schedule shown — the table on this page is the Ontario property schedule; for an auto policy, the quote you receive states the basis and the exact figure.
- The gap narrows over the term — the difference between short rate and pro rata is 6.8 points of the annual premium at day 30, 4.7 points at day 180 and 3.8 points at day 300.
- Multi-policy discounts — a discount that depends on holding more than one policy may end when one of them is cancelled; the insurer can confirm the effect on the remaining policy.
Frequently Asked Questions
How much is the Travelers Dominion Insurance cancellation fee?
Travelers Dominion uses the standard short rate table rather than a flat fee. On a $1,200 policy cancelled after 180 days, it keeps about 54% ($648) and refunds $552. A pro rata refund would return roughly $608, so the short rate penalty in this example is about $56; at day 30 the same table produces a gap of 6.8 points of the annual premium, and at day 180 the gap is 4.7 points.
Does Travelers Dominion charge a separate cancellation fee?
No. There is no standalone administrative fee; the penalty is built into the standard short rate calculation. The cancellation quote shows the retained premium and the refund.
How do I cancel my Travelers Dominion policy?
Submit the request through the broker who holds your policy, or call the service number shown on your policy documents. The business changed hands in January 2026, so the company named on your documents is the one to confirm the current line with. Have your policy number ready, request a cancellation quote, and confirm the effective date in writing.
Is Dominion Insurance the same as Travelers?
The Dominion of Canada General Insurance Company, founded in 1887, was acquired by The Travelers Companies on November 1, 2013 and operated under the Travelers Canada name. On January 2, 2026 Travelers sold The Dominion, together with its Canadian personal insurance business and most of its commercial business, to Definity Financial Corporation. Check your policy documents for the name of the issuing company.
How long does a Travelers Dominion refund take?
It depends on how the policy was paid: a refund applied against a pre-authorized payment plan follows your billing schedule, while a cheque has to be printed and mailed. No turnaround is published, so ask whoever processes the cancellation, the broker of record or the company named on your policy, for an expected date.
Sources & Verification
- ·Verified against Travelers Dominion's Ontario property underwriting rules in effect March 2025.
- ·Broker channel and the service number on your policy documents for current cancellation procedures; Travelers Canada’s site states that its personal insurance business has been sold to Definity.
- ·Company facts (founding, the 2013 acquisition and the January 2026 sale to Definity) from Travelers and Definity press releases; see docs/carrier-facts.md in the site repository for the full ledger.
- ·Reviewed by the CostExpert editorial team. Figures are estimates — confirm your exact refund with Travelers or your broker before cancelling.
Reviewed by CostExpert Editorial Team · Last verified September 2026
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