Cancellations & Refunds

Cancellations & Refunds

Cancellation policy and refunding premiums

How to Cancel a Policy

Trauma Coverage is a one year insurance policy with payments made on a monthly basis. Coverage may be cancelled by the insured at any time through one of the methods below and shall be effective upon receipt or on such later date as may be specified by insured.

U.S. Mail

Trauma Coverage Administration
c/o International Specialty Insurance
U.S. Coverholder for Lloyd's of London
110 Oakwood Dr., Suite 420
Winston-Salem, NC 27103

Email

admin@traumacoverage.com

Phone

855-631-1421 Monday–Friday from 8 A.M. to 5 P.M. Central (Excluding U.S. Holidays)

Coverage may also be cancelled by Underwriters by giving the insured thirty (30) days notice in writing. Underwriters will only do this for the following valid reasons:

  • Non-Payment of Premium
  • No-cooperation or failure to supply any information or documentation upon Underwriters request

Cancellation by Underwriters shall be without prejudice to any claim originating prior to the effective date of cancellation. In the event of a claim being paid under this Policy, the premium for this Policy shall be deemed to be fully earned.

Calculation of Refunded Amount

In order to calculate the prorated refund amount we will take the total monthly base premium of your plan, divide it by the number of days in the month to determine a daily amount. We will then multiply the daily amount by the number of days after the date of cancellation to generate the prorated amount for the partial month.

Mission

Our mission is to prevent traumas through education and provide traumatized families financial security, physical recuperation, and emotional well-being.

Vision

We envision a less violent world where diversity is celebrated and all people are treated with dignity and respect.

Guiding Principles

We believe that through collaboration, prevention strategies, and comprehensive trauma recovery, we are making the world safer and healthier.

Philosophy
We understand trauma is an overarching term that includes an array of behaviors, both physical and non-physical, that constitute unwanted or age-inappropriate activity and can impact people of any age, gender, race, religion, ethnicity, identity, etc.

We believe traumas are rooted in power inequities and is connected to other forms of oppression including ableism, adultism, ageism, classism, heterosexism, racism, sexism, the basis of religion, and other constructs that value certain people or groups over others.

We use our national leadership position to promote a greater understanding of traumas and how to prevent them.

Prevention
We believe traumas are preventable. We understand traumas to be a social justice, public health, criminal justice, and human rights issue. We bring the tools, research, and resources of each of these areas of expertise to promote a unified movement.

We believe having open and factual conversations, educating about healthy relationships, engaging and informing bystanders, and similar strategies contribute to positive and sustainable societal changes.

We believe efforts should simultaneously address the needs of those who have been victimized; treat, manage, and successfully reintegrate individuals who offend; and build the capacity of individuals, groups, and communities to prevent traumas before they occur.

Response
We believe it is imperative to improve responses to those who have been victimized by traumas to ensure they are believed, helped, and supported throughout their recovery process.

We recognize survivors are resilient and often find strength at individual, relationship, community, and societal levels following traumas. We understand survivors are unique in how they experience traumas and the outcomes they desire in terms of justice, services, and support.

We promote responses that are informed by the strengths and needs of survivors and that honor their voices, cultures, choices, and priorities. The quality of response to survivors by loved ones, professionals, social systems, the media, and organizations impacts their healing and also signals to other survivors and potential offenders about our societal values and commitment to safety and respect.

Collaboration
We believe communication among advocates, researchers, funders, public health professionals, policymakers, culturally specific community-based programs, offender treatment and management professionals, national partners, and other key players is critical in creating opportunities for positive changes.

We also work with media to better inform the public of their role and responsibility in preventing traumas.

Resources
We believe everyone should have access to information that will allow them to build programs and policies to end traumatic incidents and serve those who have been impacted. We act as a communication hub, connecting people with the information, resources, tools, and expertise needed to effectively address and prevent traumas in all communities.

We are committed to ensuring access to quality resources for all children, teens, young adults, adults, and people in later life. We use traditional and online forms of communication to create communities of support for preventing traumatic incidents.

Research
We believe all efforts to respond to and prevent traumatic incidents must be supported by research. We maintain an extensive library and virtual information bank of current statistics, research, information, speakers, and tools on a wide variety of topics pertaining to traumatic incidents. We assist programs in accessing and contributing to a body of evidence that strengthens our collective efforts.

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Coverage is underwritten by Lloyd's of London