Fully refundable travel medical insurance

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You will need to check the terms and conditions of the specific policy. Some insurances apparently allow this. See for example:

https://www.insuremytrip.com/travel-insurance-policies-and-claims/canceling-a-policy/

Single trip medical policies can usually be cancelled any time before departure. While some companies reimburse in full, the majority of them will refund in full less a processing fee.

Hilmar 85615

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Source: stackoverflow.com

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