You'll have to approach Apple support to discontinue the AppleCare insurance. Ensure you possess the AppleCare subscription information that you can get in MySupport by simply logging in. You'll also need the product code of the gadget and a copy of the purchase. You'll have a complete refund when you discontinue AppleCare within two months of acquiring a subscription. The reimbursement would be reimbursed after 2 months.