Last updated: 6 September 2026

This Return Policy explains how to request the cancellation of an insurance order or policy arranged through bg.euromedins.com and how any available refund is processed.

1. Contact us as soon as possible

To request cancellation, email [email protected] with the subject line Cancellation request. Include:

• the order number or policy number;
• the policyholder’s and insured person’s names;
• the reason for cancellation;
• the payment method used;
• your telephone number and any additional information requested by us or the insurer.

The time at which we receive the request may affect whether cancellation is possible and what amount can be refunded. Please contact us immediately after deciding to cancel.

2. Cancellation within 24 hours

If we receive the cancellation request within 24 hours after purchase and the insurance cover has not yet started, we will arrange cancellation and a full refund of the insurance premium.

This 24-hour cancellation arrangement is provided as part of our customer service. It does not extend the start date of the policy. If cover has already started, the rules in Section 3 apply.

3. Cancellation after 24 hours or after cover has started

Requests made after the first 24 hours, or after the insurance cover has started, are considered under applicable law and the cancellation terms of the insurer that issued the policy.

Depending on the product and circumstances:

• the insurer may refuse cancellation where the policy terms or applicable law do not provide a right to cancel;
• the insurer may retain the part of the premium corresponding to the period during which cover was provided;
• permitted administrative or other costs may be deducted;
• additional forms, signed statements, original documents or proof of authority may be required.

Travel, baggage and other short-term insurance products may be subject to specific cancellation restrictions. The applicable product and policy conditions should always be checked.

4. Our role and the insurer’s decision

General Broker Club Ltd. acts as an insurance broker. The insurance contract is between the policyholder and the insurer that issued the policy.

We will help prepare and submit the cancellation request and communicate with the insurer. For requests outside our 24-hour cancellation arrangement, the insurer determines whether the policy can be cancelled and calculates the refundable amount. We cannot guarantee or accelerate the insurer’s internal processing time.

5. How refunds are paid

• Card, Apple Pay or Google Pay: a refund approved within the 24-hour cancellation arrangement is returned to the same card or underlying payment instrument used for the purchase.
• Bank transfer: the refund is paid to a bank account belonging to the person who made the payment.
• Cash on delivery or another payment method: we or the insurer may request the payer’s bank-account details to complete the refund.
• Payment to another person: a refund may be transferred to an authorised representative only after a valid notarised power of attorney and any required identification or bank details have been provided.

For security and fraud-prevention reasons, refunds cannot normally be redirected to an unrelated person or payment instrument.

6. Refund processing time

Processing time depends on the insurer, payment provider and receiving bank. Once a card refund or bank transfer has been initiated, the time required for the funds to appear is controlled by the relevant payment provider or bank. We will provide available confirmation or status information on request.

7. Delivery charges

If a paper policy or other document has already been handed to a courier or postal operator, the delivery charge already incurred is not refundable unless the delivery was required because of our error or mandatory law provides otherwise. If the shipment has not yet been dispatched, any separately paid delivery charge will be refunded together with the cancellable order.

8. Incorrect information and policy corrections

Please check the policy immediately after receiving it. If an error was caused by incorrect information supplied with the order, correction, reissuance or cancellation depends on the insurer’s rules and may involve additional costs.

If an error was caused by us, contact us immediately. We will arrange correction or reissuance without charging an additional service fee and will reimburse reasonable delivery costs caused by our error where applicable.

9. Claims are not cancellations

A request for payment following an insured event is an insurance claim, not a return or cancellation request. Claims are assessed by the insurer under the issued policy. We can assist you with preparing and submitting the necessary claim application and supporting documents.

10. Mandatory consumer rights

Nothing in this Return Policy limits any cancellation, refund or other consumer right that applies under mandatory Bulgarian or European Union law. Where mandatory law provides more favourable rights, those rights prevail.

11. Contact information

General Broker Club Ltd.
UIC 201044795
Insurance broker Certificate No. 790-3B
Email: [email protected]
Telephone: +359 988 358 940
Registered address: Lyulin II, Block 279, Entrance B, Floor 10, Apartment 6, 1343 Sofia, Bulgaria.

This Return Policy should be read together with our Terms and Conditions.