Travelers Dominion Insurance Cancellation Fee Guide 2025
The Dominion of Canada General Insurance Company, operating under the Travelers brand, is Canada's largest surety bond underwriter offering personal and commercial insurance through a network of independent brokers across Canada.
About Travelers Dominion Insurance
Travelers is one of the largest property casualty insurers in North America, with a strong presence in Canada through The Dominion of Canada General Insurance Company. The company is renowned as Canada's largest surety bond underwriter, providing financial guarantees for construction projects, commercial ventures, and real estate developments.
Beyond surety bonds, Travelers Dominion offers comprehensive personal insurance including auto and home coverage, as well as commercial insurance solutions tailored to various industries including construction, hospitality, manufacturing, and professional services. The company also provides new home warranty programs in Alberta, British Columbia, and Saskatchewan.
How to Cancel Travelers Dominion Insurance
- 1.Contact your insurance broker first
- 2.Or call Travelers Canada at 1-866-283-9210
- 3.Have your policy number ready
- 4.Request a cancellation quote before confirming
- 5.Specify your desired cancellation date
Travelers Dominion Refund Timeline
- Processing time: 7-14 business days
- Refund to original payment method
- Pre-authorized payment: 1-2 billing cycles
- Cheque by mail: 2-4 weeks
Tips for Cancelling Travelers Dominion Insurance
- • Use your broker: Your insurance broker can help negotiate better cancellation terms and handle the paperwork
- • Get quotes first: Before cancelling, ensure you have new coverage in place to avoid a lapse
- • Timing matters: Short rate penalties decrease as you approach renewal - use our calculator to find the optimal time
- • Check for discounts: If cancelling one policy, check how it affects multi-policy discounts on others
- • Keep documentation: Request written confirmation of your cancellation date and expected refund amount
Travelers Dominion Products & Services
Travelers Dominion offers a comprehensive range of insurance products across Canada:
- • Personal Insurance: Auto insurance and home insurance coverage
- • Commercial Insurance: Tailored solutions for construction, hospitality, manufacturing, and more
- • Surety Bonds: Contract bonds, commercial bonds, and developer bonds (Canada's largest provider)
- • New Home Warranty: Coverage available in Alberta, BC, and Saskatchewan
Travelers DominionShort Rate Table
Official short rate cancellation table for Travelers Dominion insurance policies in Canada
Calculate Your Refund
Travelers Dominion Short Rate Schedule
Showing refund calculations based on $1200 annual premium
| Days in Force | Premium Earned % | Amount Earned | Refund Amount | vs Pro Rata |
|---|---|---|---|---|
| 1-3 days | 8% | $96.00 | $1,104.00 | -$89.42 (7.5%) |
| 4-7 days | 9% | $108.00 | $1,092.00 | -$89.92 (7.5%) |
| 8-11 days | 10% | $120.00 | $1,080.00 | -$88.77 (7.4%) |
| 12-15 days | 11% | $132.00 | $1,068.00 | -$87.62 (7.3%) |
| 16-19 days | 12% | $144.00 | $1,056.00 | -$86.47 (7.2%) |
| 20-23 days | 13% | $156.00 | $1,044.00 | -$85.32 (7.1%) |
| 24-26 days | 14% | $168.00 | $1,032.00 | -$85.81 (7.2%) |
| 27-30 days | 15% | $180.00 | $1,020.00 | -$86.30 (7.2%) |
| 31-34 days | 16% | $192.00 | $1,008.00 | -$85.15 (7.1%) |
| 35-38 days | 17% | $204.00 | $996.00 | -$84.00 (7.0%) |
| 39-42 days | 18% | $216.00 | $984.00 | -$82.85 (6.9%) |
| 43-46 days | 19% | $228.00 | $972.00 | -$81.70 (6.8%) |
| 47-49 days | 20% | $240.00 | $960.00 | -$82.19 (6.8%) |
| 50-53 days | 21% | $252.00 | $948.00 | -$82.68 (6.9%) |
| 54-57 days | 22% | $264.00 | $936.00 | -$81.53 (6.8%) |
| 58-61 days | 23% | $276.00 | $924.00 | -$80.38 (6.7%) |
| 62-65 days | 24% | $288.00 | $912.00 | -$79.23 (6.6%) |
| 66-69 days | 25% | $300.00 | $900.00 | -$78.08 (6.5%) |
| 70-73 days | 26% | $312.00 | $888.00 | -$76.93 (6.4%) |
| 74-76 days | 27% | $324.00 | $876.00 | -$77.42 (6.5%) |
| 77-80 days | 28% | $336.00 | $864.00 | -$77.92 (6.5%) |
| 81-84 days | 29% | $348.00 | $852.00 | -$76.77 (6.4%) |
| 85-88 days | 30% | $360.00 | $840.00 | -$75.62 (6.3%) |
| 89-92 days | 31% | $372.00 | $828.00 | -$74.47 (6.2%) |
| 93-96 days | 32% | $384.00 | $816.00 | -$73.32 (6.1%) |
| 97-99 days | 33% | $396.00 | $804.00 | -$73.81 (6.2%) |
| 100-103 days | 34% | $408.00 | $792.00 | -$74.30 (6.2%) |
| 104-107 days | 35% | $420.00 | $780.00 | -$73.15 (6.1%) |
| 108-111 days | 36% | $432.00 | $768.00 | -$72.00 (6.0%) |
| 112-115 days | 37% | $444.00 | $756.00 | -$70.85 (5.9%) |
| 116-119 days | 38% | $456.00 | $744.00 | -$69.70 (5.8%) |
| 120-122 days | 39% | $468.00 | $732.00 | -$70.19 (5.8%) |
| 123-126 days | 40% | $480.00 | $720.00 | -$70.68 (5.9%) |
| 127-130 days | 41% | $492.00 | $708.00 | -$69.53 (5.8%) |
| 131-134 days | 42% | $504.00 | $696.00 | -$68.38 (5.7%) |
| 135-138 days | 43% | $516.00 | $684.00 | -$67.23 (5.6%) |
| 139-142 days | 44% | $528.00 | $672.00 | -$66.08 (5.5%) |
| 143-146 days | 45% | $540.00 | $660.00 | -$64.93 (5.4%) |
| 147-149 days | 46% | $552.00 | $648.00 | -$65.42 (5.5%) |
| 150-153 days | 47% | $564.00 | $636.00 | -$65.92 (5.5%) |
| 154-157 days | 48% | $576.00 | $624.00 | -$64.77 (5.4%) |
| 158-161 days | 49% | $588.00 | $612.00 | -$63.62 (5.3%) |
| 162-165 days | 50% | $600.00 | $600.00 | -$62.47 (5.2%) |
| 166-169 days | 51% | $612.00 | $588.00 | -$61.32 (5.1%) |
| 170-172 days | 52% | $624.00 | $576.00 | -$61.81 (5.2%) |
| 173-176 days | 53% | $636.00 | $564.00 | -$62.30 (5.2%) |
| 177-180 days | 54% | $648.00 | $552.00 | -$61.15 (5.1%) |
| 181-184 days | 55% | $660.00 | $540.00 | -$60.00 (5.0%) |
| 185-188 days | 56% | $672.00 | $528.00 | -$58.85 (4.9%) |
| 189-192 days | 57% | $684.00 | $516.00 | -$57.70 (4.8%) |
| 193-195 days | 58% | $696.00 | $504.00 | -$58.19 (4.8%) |
| 196-199 days | 59% | $708.00 | $492.00 | -$58.68 (4.9%) |
| 200-203 days | 60% | $720.00 | $480.00 | -$57.53 (4.8%) |
| 204-207 days | 61% | $732.00 | $468.00 | -$56.38 (4.7%) |
| 208-211 days | 62% | $744.00 | $456.00 | -$55.23 (4.6%) |
| 212-215 days | 63% | $756.00 | $444.00 | -$54.08 (4.5%) |
| 216-219 days | 64% | $768.00 | $432.00 | -$52.93 (4.4%) |
| 220-222 days | 65% | $780.00 | $420.00 | -$53.42 (4.5%) |
| 223-226 days | 66% | $792.00 | $408.00 | -$53.92 (4.5%) |
| 227-230 days | 67% | $804.00 | $396.00 | -$52.77 (4.4%) |
| 231-234 days | 68% | $816.00 | $384.00 | -$51.62 (4.3%) |
| 235-238 days | 69% | $828.00 | $372.00 | -$50.47 (4.2%) |
| 239-242 days | 70% | $840.00 | $360.00 | -$49.32 (4.1%) |
| 243-245 days | 71% | $852.00 | $348.00 | -$49.81 (4.2%) |
| 246-249 days | 72% | $864.00 | $336.00 | -$50.30 (4.2%) |
| 250-253 days | 73% | $876.00 | $324.00 | -$49.15 (4.1%) |
| 254-257 days | 74% | $888.00 | $312.00 | -$48.00 (4.0%) |
| 258-261 days | 75% | $900.00 | $300.00 | -$46.85 (3.9%) |
| 262-265 days | 76% | $912.00 | $288.00 | -$45.70 (3.8%) |
| 266-268 days | 77% | $924.00 | $276.00 | -$46.19 (3.8%) |
| 269-272 days | 78% | $936.00 | $264.00 | -$46.68 (3.9%) |
| 273-276 days | 79% | $948.00 | $252.00 | -$45.53 (3.8%) |
| 277-280 days | 80% | $960.00 | $240.00 | -$44.38 (3.7%) |
| 281-284 days | 81% | $972.00 | $228.00 | -$43.23 (3.6%) |
| 285-288 days | 82% | $984.00 | $216.00 | -$42.08 (3.5%) |
| 289-292 days | 83% | $996.00 | $204.00 | -$40.93 (3.4%) |
| 293-296 days | 84% | $1,008.00 | $192.00 | -$39.78 (3.3%) |
| 297-299 days | 85% | $1,020.00 | $180.00 | -$40.27 (3.4%) |
| 300-303 days | 86% | $1,032.00 | $168.00 | -$40.77 (3.4%) |
| 304-307 days | 87% | $1,044.00 | $156.00 | -$39.62 (3.3%) |
| 308-311 days | 88% | $1,056.00 | $144.00 | -$38.47 (3.2%) |
| 312-315 days | 89% | $1,068.00 | $132.00 | -$37.32 (3.1%) |
| 316-318 days | 90% | $1,080.00 | $120.00 | -$37.81 (3.2%) |
| 319-322 days | 91% | $1,092.00 | $108.00 | -$38.30 (3.2%) |
| 323-326 days | 92% | $1,104.00 | $96.00 | -$37.15 (3.1%) |
| 327-330 days | 93% | $1,116.00 | $84.00 | -$36.00 (3.0%) |
| 331-334 days | 94% | $1,128.00 | $72.00 | -$34.85 (2.9%) |
| 335-338 days | 95% | $1,140.00 | $60.00 | -$33.70 (2.8%) |
| 339-341 days | 96% | $1,152.00 | $48.00 | -$34.19 (2.8%) |
| 342-345 days | 97% | $1,164.00 | $36.00 | -$34.68 (2.9%) |
| 346-349 days | 98% | $1,176.00 | $24.00 | -$33.53 (2.8%) |
| 350-353 days | 99% | $1,188.00 | $12.00 | -$32.38 (2.7%) |
| 354-365 days | 100% | $1,200.00 | $0.00 | -$18.08 (1.5%) |
About Travelers Dominion Cancellations
- • Minimum premium retained: varies by policy
- • Processing time: 2-4 weeks for refund
- • Method: Cheque or original payment method
- • Required: Written cancellation request
Pro Rata Exceptions
Travelers Dominion may offer pro-rata (no penalty) cancellation for:
- • Switching to another Travelers Dominion policy
- • Vehicle sold with proof of sale
- • Moving out of coverage area
- • Total loss claims
Ready to Calculate Your Exact Travelers Dominion Refund?
Use our calculator with your specific policy dates for an accurate refund estimate
Understanding Travelers Dominion Short Rate Cancellations
When you cancel your Travelers Dominion insurance policy before its expiration date, the company uses this short rate table to calculate your refund. The short rate method ensures Travelers Dominion retains enough premium to cover administrative costs and the risk they assumed while your policy was active.
How to Read This Table
Find the number of days your policy was active in the first column. The "Premium Earned %" shows how much of your annual premium Travelers Dominion keeps. The remaining percentage is your refund, minus any outstanding amounts.
Tips for Cancelling Travelers Dominion Insurance
- Time it right: The penalty percentage increases significantly in the first few months. If possible, wait until closer to renewal.
- Ask about exceptions: Travelers Dominion may waive penalties for certain situations like financial hardship or if you are switching to another Travelers Dominion product.
- Get it in writing: Always request written confirmation of your cancellation date and refund amount.
Understanding Travelers Dominion's Broker-Based Model
Unlike direct insurers that sell policies through call centers or websites, Travelers Dominion Insurance operates primarily through independent insurance brokers. This broker-based model offers several advantages when it comes to policy changes and cancellations.
Your insurance broker acts as your advocate and can often help negotiate better terms. If you're considering cancelling your Travelers Dominion policy, your broker may be able to find alternatives within their portfolio of insurers, potentially avoiding cancellation penalties altogether by switching to a different carrier through the same broker.
The short rate cancellation table used by Travelers Dominion follows industry-standard practices. However, brokers sometimes have flexibility in how and when cancellations are processed. Having a conversation with your broker before initiating cancellation could save you money.
Need help with a different insurer? Try our universal calculator or compare rates below.
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