Mostly a south Indian festival, Vishu is the dawn of a new astronomical year, and the day marks the first day of the Malayalam month of Medam that corresponds with April in the Gregorian calendar.
They will issue a refund and depending on the method of refund, this should be completed within 28 days. You will be asked to return all documentation regarding the gap insurance you have cancelled and the cover will cease at this point.
The refund should take about SIX weeks from the day IRS received it but if you used eFiling it should take less than THREE weeks. That is if you filed a complete and accurate information there are no problems with your taxation.