When a policy is in force, a payment will be drafted every month based on the "monthiversary" of your policy effective date. If you received temporary coverage, there will be an initial draft based on the expected monthly premium. This draft will cover you through the application process and will be applied toward your first month of full coverage. If during the temporary coverage period you decide to cancel, your application is denied or expired, you will receive a full refund and your temporary coverage will be canceled. Refunds typically take 7-10 business days to process.