Can you cancel EasyCare (APCO)?
Yes. EasyCare (APCO) contracts are cancellable, and what you get back depends on timing: a prorated refund for the unused portion, with a full refund possible during your contract's free-look window. The unused premium is money you're owed — it doesn't belong to the dealer or administrator.
Contact information
- Phone (cancellation questions)
- 800-538-4181
- cancellations@apcoholdings.com
- Mailing address
- APCO Holdings — Attention: CancellationsPO Box 8058Norcross, GA 30091-8058
Step-by-step: how to cancel
Step 1 — Gather your documents. You'll want your contract/agreement, the vehicle VIN, your account or loan number, and proof of any triggering event (payoff letter, refinance confirmation, trade-in paperwork, or total-loss settlement).
Step 2 — Start with the selling dealer. EasyCare (APCO) contracts are normally cancelled through the dealership's finance department. Tell them you want to cancel and ask them to submit the request to the administrator. Get the request and date in writing.
Step 3 — Go direct if the dealer stalls. If the dealer drags their feet, contact EasyCare (APCO) directly at 800-538-4181. Dealers earn commission on these products and sometimes delay cancellations.
Final step — Track the refund. Processing time varies. If your contract was financed and the loan isn't satisfied, the dealer issues the refund to you or your lienholder.Follow up if it doesn't arrive on schedule.
How much will you get back?
Check your contract's free-look window for full-refund eligibility (see your contract's free-look terms). After that, your refund is prorated by unused term.
As a rule of thumb, the prorated math is: (months remaining ÷ total term) × price paid − fees. If your contract was financed and the loan isn't satisfied, the dealer issues the refund to you or your lienholder.
Provider-specific tips
- If you bought from a dealer, cancel through the dealer's finance department using EasyCare's cancellation form; if you bought directly from the EasyCare Customer Care Center, call 866-945-6195. Questions about a cancellation: 800-538-4181.
- If your contract was financed with the vehicle and the loan isn't paid off, the dealer is responsible for issuing the refund to you or your lienholder.
What reduces your refund
- Claims already paid. If a covered repair was approved, that amount is typically subtracted from your refund.
- Refund method.Pro-rata is consumer-friendly; confirm your contract isn't calculated by the "Rule of 78s," which front-loads cost.
Common questions
How do I cancel an EasyCare contract?
Through the selling dealer's finance department for dealer-sold contracts, or by calling the EasyCare Customer Care Center at 866-945-6195 if you bought directly. Cancellation questions: 800-538-4181.
Who issues my EasyCare refund?
If the contract was financed and the loan is still active, the dealer issues the refund to you or your lienholder.
Refund Auto is an independent service. We are not affiliated with, authorized by, endorsed by, or in any way officially connected to EasyCare (APCO). EasyCare (APCO) and any related names and logos are the property of their respective owners, and are used here only to identify the company whose product you may want to cancel.
Sources: EasyCare support, APCO Holdings contact