If the customer has filed a Not Received dispute, refund immediately.
Keep an eye on the tracking, and when it shows delivered, send an invoice through Paypal with a polite note asking for the return of the refund.
If the customer is complaining, but has not filed a Not Received dispute, tell him to file the Dispute.
This gives you another four or five days respite. Put the tracking number in the Dispute.
But refund before eBay does.
If the customer is not complaining, do nothing and do not contact him yourself.
You are responsible to your customer. Refund promptly.
Canada Post is responsible to you (their customer). File the insurance claim after refunding. This has nothing to do with the buyer.
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