We want to make everything as clear and easy as possible for you, so here’s everything you need to know about how our billing process works, what to expect, and how to manage changes or issues with your payment.

Payment Methods and Preferences

Which payment methods are accepted?

We offer several secure and flexible ways to pay for your insurance

Credit or Debit Card

We accept major providers like Visa and Mastercard. This is the most popular method and works well for international freelancers and expats.

PayPal

Available for all policies. This is a convenient option if you’d prefer not to share your card details directly.

IBAN (International Bank Account Number)

You can use any IBAN, not just ones from Germany or the EU, as long as your bank supports SEPA payments. This includes accounts from countries like the UK, Switzerland, or others outside the EU.

Can I change my payment method later?

Yes. You're in full control of your billing preferences. You can update or switch your payment method at any time by:

Logging into your Feather account
Navigating to the Billing
Selecting Update payment method
Adding or selecting a new method, and marking it as your default payment method

Please make sure to update your payment method before the next billing date (1st of the month) to avoid failed payments.

In what currency will I be charged?

All payments are processed in euros (EUR).If your bank account or credit card is in another currency (e.g., USD, GBP), your bank may apply a foreign exchange fee or conversion rate. This is determined by your bank, not Feather.

Charges, Timing, and Billing Cycle

Will I be charged immediately upon signing up?

Yes. Even if your policy starts in the future, the initial payment is processed immediately at checkout. This:

Secure and confirm your policy
Triggers document creation and verification for your policy and visa documents
Ensures your coverage starts as scheduled

You’ll receive confirmation and a digital invoice via email and in your account after your payment is completed.

How does the first payment work?

When you sign up for a policy, you’ll make a checkout payment that covers the partial month from your selected start date through to the end of that month.

Eg. If you choose to start your policy on May 10th, your checkout payment will cover May 10th-31st.

Your first full month of billing (in this case, June) will then be charged on June 1st, automatically.

When do I normally get billed?

After the initial checkout charge:

You’ll be charged on the 1st of each month via an automated subscription
This charge covers that entire month’s insurance coverage
The billing is prepaid, meaning you pay at the beginning of the month for that month’s coverage

You’ll can always view or download invoices in your account.

Payment Issues and How to Fix Them

What happens if my payment fails?

If we’re unable to process your payment:

You’ll receive an immediate notification by email
A billing error will appear in your online account

You can update your payment method or retry the payment through your Feather account by:

Double-checking your card details (expiration date, CVV, etc.)
Making sure your card or bank account has sufficient funds
Confirming that international/online payments are enabled with your bank
Trying an alternative method (e.g., a different card or PayPal)

Once updated, you can retry the payment directly in your Feather account under the Billing section.

To keep your coverage on track, we recommend resolving any payment issues as soon as possible.

Refunds and Cancellations

Can I cancel my policy at any time?

Yes.

Our expat health policies are flexible and can be canceled on a monthly basis, which means you can cancel anytime directly through your account.

Once your cancellation is processed, you’ll receive a confirmation in your account as well as by email.

How do I cancel my policy?

To cancel your policy, follow these steps:

Log in to your Feather account
Go to “My Account”
Click on “Policies” under the Your Coverage section
Select the policy you want to cancel
Click “Cancel this policy” and choose your reason for cancellation
Click “Confirm” to complete the cancellation

When should I cancel?

In general, you should cancel before the end of the month to avoid being billed the following month.

Can I get a refund if I cancel before the policy starts?

Absolutely. If you cancel before your policy’s effective start date, you’ll receive a 100% refund of the charge. No coverage will have started, so no costs will be incurred.

How long does it take to receive a refund?

If you are eligible for a refund, eg if you canceled before the start date, then:

Refunds take up to 3-7 business days to appear, depending on your bank
You’ll receive a confirmation email when the refund is initiated

What if I cancel after my policy starts?

Our expat insurance offers a 14-day withdrawal period from the policy purchase date:

If you cancel and the policy started within 14 days of purchase = full refund
- as long as no claims were made
If you cancel and the policy started after 14 days since purchase = no refund, but your policy will end after the current paid month

To avoid future charges, please cancel before the 1st of the next month.