If your monthly payment doesn't go through — whether due to an expired card, insufficient funds, or a billing issue — it's important to act quickly. A missed payment can put your coverage at risk. Here's exactly what happens and how to fix it.
What happens after a failed payment
You'll receive an email notification
As soon as a payment fails, APOLLO will send you an email letting you know. This email will include a direct link to your Customer Portal where you can update your payment details or settle the outstanding balance.
Your policy enters a grace period
You have a short window to resolve the failed payment before your coverage is affected. During this grace period, your policy remains active — but if payment is not received in time, your policy may be suspended or cancelled.
If the balance isn't resolved, your policy may be cancelled
If payment is not made within the grace period, your policy will be cancelled due to non-payment. Once cancelled, you will no longer have coverage — meaning any incident that occurs after the cancellation date will not be covered. You would need to start a new application to get coverage again, and a lapse in coverage can affect your future premiums.
How to resolve a failed payment
Option 1 — Update your card in the Customer Portal
Log in to the Customer Portal and go to your payment details. You can update your card number and resubmit the payment directly from there. This is the fastest way to restore your coverage.
Option 2 — Pay your outstanding balance directly
If you've received an invoice link in your email, you can click through and pay the outstanding balance without logging into the portal. Make sure to use the most recent invoice link — earlier links may no longer be active.
Option 3 — Contact our support team
If you're having trouble updating your payment method or you're unsure about the status of your policy, reach out through our Contact Us page and our team will help you resolve it right away.
How to avoid payment failures in the future
Add a backup card — In the Customer Portal, you can add a secondary payment method. If your primary card fails, we'll automatically attempt the backup card before your policy is at risk. See Why Your Payment Plan Needs a Backup Card for more details.
Keep your card details up to date — If you receive a new card (due to expiry or replacement), update your payment details in the Customer Portal before your next billing date.
Check your billing date — Your payment is charged on the same date each month, starting from the day you signed up. You can see your next billing date in the Customer Portal under payment details.
Need Further Assistance? We're Here to Help
Should you require additional support or have any questions, reach out through our Contact Us page here.
We're here to ensure that your insurance experience is as smooth and convenient as possible.