Please note, our policies typically do not allow refunds once the Effective Start Date has begun. This policy is determined by our insurance provider, who has sole discretion regarding refund requests. However, we are committed to assisting you in any way we can.


The refund policy stated in all Student Medicover plan policy certificates is as follows:


“Refunds of premiums are allowed only upon entry into the armed forces.”


Courtesy of being a valuable Student Medicover member, we also guarantee a 100% refund if your waiver application is denied by your school or one of the following criteria below is met,

1.    Coverage period has not started

2.    Not eligible to enroll  (Refer to Policy Certificate Eligibility Section I: Who Is Covered)


To request a refund, please submit the request through either of the following ways:


1. Please login to your Student Medicover account to submit the refund request.

My Account -> Modify -> I need to cancel coverage

If you'd like to cancel your coverage, you must provide one of the following documentation types:  

,documents Official waiver denial, eligibility documents or other supporting documents. 

In the Additional Comments section, you can describe your refund reason.



2. Please send the following information to sm@smcovered.com:

  • Name
  • Date of birth
  • Enrollment dates
  • Email address
  • Supporting document  

-If waiver denied: A screenshot of waiver denial notice within 14 days of the effective date of your policy or 14 days of the purchase date whichever is later. No refund request will be considered if no proof of waiver denial is received.

-If coverage is not effective: Confirmation letter

-If loss of eligibility: Official legal documents of your situation