Can I cancel the second year of the policy as I've decided to return home early?

You can request to cancel your policy, but there are conditions that determine if a cancellation and refund can be approved.

You cannot cancel your policy if: 

• you have made or intend to make a claim, 
• you have already started your trip (even if still within the 25-day cooling-off period), or 
• you have used the policy to exercise any rights, such as obtaining a visa or entry into a country. 

If any of these apply, cancellation isn’t allowed. Also, no partial refund will be given for unused portions of the policy. If you are eligible to cancel and haven’t used the policy in any way, you may be entitled to a refund under the cooling-off period or other refund provisions in the PDS. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.