Travel Insurance

What does Trip Cancellation & Interruption Insurance cover?
If you are unable to travel due to a covered event that occurs before you leave home, the insurer will pay up to the covered amount for the prepaid unused portion of your trip that is non-refundable and non-transferable to another travel date.
In addition, if your travel companion must cancel their trip due to a covered event applicable to them, and you decide to go on your trip as planned, the insurer will cover the cost of the next occupancy charge up to the covered amount.
If your trip is interrupted due to a covered event that occurs on or after the day you plan to leave home, the insurer will pay up to the covered amount for unused travel arrangements paid for prior to your departure date, that is non-refundable and non-transferable to another travel date, less the prepaid unused return transportation. In addition, the insurer will pay your additional and unplanned hotel and meal expenses, and your essential phone calls and taxi fares, to a maximum of $300 per day for up to two (2) days when no earlier transportation arrangements are available; and/or the insurer will pay your one-way economy class airfare via the most cost-effective itinerary to your or your group’s next destination, or to return home.
The insurer will pay for the change fee charged by the airline for your missed connection if this option is available, or up to $1,000 for the cost of your one-way economy airfare to the next destination.

What else does Trip Interruption Insurance cover?
In the event of your death during your trip, the insurer will reimburse your estate:
• up to $5,000 to have your body prepared where you die and the cost of the standard transportation container normally used by the airline, plus the return home of your body.
• up to $5,000 to have your body prepared and the cost of a standard burial container, plus up to $5,000 for your burial where you die; or
• up to $5,000 to cremate your body where you die, plus the return home of your ashes. The Trip Cancellation & Interruption maximum payable amount is:
• up to the covered amount for Trip Cancellation before you leave home; and
• unlimited Trip Interruption after departure (some benefits maximums do apply).

Sample quote 

from $126.00

1. Expenses for emergency treatment – Reasonable and customary charges for medical care received from a physician in or out of hospital; the cost of a semi-private hospital room (or an intensive or coronary care unit where medically necessary); the services of a licensed private duty nurse while you are in hospital; the rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance; tests that are needed to diagnose or find out more about your condition; and drugs that are prescribed for you and are available only by prescription from a physician or dentist.
2. Expenses for paramedical services – Care received from a licensed chiropractor, osteopath, physiotherapist, chiropodist or podiatrist, up to $70 per visit to a combined maximum of $700 for a covered injury.
3. Expenses for ambulance transportation – Reasonable and customary charges for local licensed ambulance service to transport you to the nearest appropriate medical service provider in an emergency.
4. Expenses for emergency dental treatment –
   • If you need emergency dental treatment, we will pay up to $300 for the relief of dental pain; and/or
   • If you suffer an accidental blow to the mouth, we will pay up to $3,000 for the reasonable and customary charges to repair or replace your natural or permanently attached artificial teeth (up to $1,500 during your trip and up to $1,500 after your return home to continue treatment in the ninety (90) days after the accident).
5. Expenses to bring someone to your bedside – If you are travelling alone and are admitted to a hospital for three (3) days or more because of a medical emergency, we will pay the return economy class airfare via the most cost-effective itinerary for someone to be with you. We will also pay up to $1,000 for that person’s hotel and meals and cover them with Emergency Medical Insurance under the same terms and limitations of this policy until you are medically fit to return home. For a child insured under this policy, this benefit is available immediately upon their hospital admission.
6. Extra expenses for meals hotel, and taxi – If a medical emergency prevents you or your travel companion from returning home as originally planned, or if your emergency medical treatment or that of your travel companion requires your transfer to a location that is different from your original destination, we will reimburse you up to $200 per day to a maximum of $2,000 for your extra meals, hotel and taxi fares. We will only reimburse you for these expenses if you have actually paid for them.
7. Expenses related to your death – If, during your trip, you die from an emergency covered under this insurance, we will reimburse your estate for:
   • up to $5,000 to have your body prepared where you die and the cost of the standard transportation container normally used by the airline, plus the return home of your body;
   • up to $5,000 to have your body prepared and the cost of a standard burial container, plus up to $5,000 for your burial where you die; or
   • up to $5,000 to cremate your body where you die, plus the return home of your ashes.
   • In addition, if someone is legally required to identify your body and must travel to the place of your death, we will pay the return economy class airfare via the most cost-effective itinerary for that person, and up to $300 for that person’s hotel and meal expenses. We will also provide that person with Emergency Medical Insurance under the same terms and limitations of this policy for up to seventy-two (72) hours.
8. Expenses to bring you home – If your treating physician recommends that you return home earlier than planned because of your emergency or if our medical advisors recommend that you return home after your emergency, we will pay for one or more of the following:
   • the extra cost of economy class airfare via the most cost-effective itinerary; and/or
   • a stretcher airfare on a commercial flight via the most cost-effective itinerary, if a stretcher is medically necessary; and/or
   • the cost of return economy class airfare via the most cost-effective itinerary for a qualified medical attendant to accompany you, and the attendant’s reasonable fees and expenses, if this is medically necessary or required by the airline; and/or
   • the cost of air ambulance transportation if this is medically necessary.
9. Return Excess Baggage – When approved in advance by the Assistance Centre, up to $300 for the return of your excess baggage. This benefit is payable if you return home under Benefit #7 or #8.
10. Expenses to return children under your care – If you are admitted to hospital for more than twenty-four (24) hours or must return home because of an emergency, we will pay for the extra cost of one-way economy class airfare to return the children home via the most cost-effective itinerary and the return economy class airfare via the most cost-effective itinerary for a qualified escort when the airline requires it. The children must have been under your care during your trip and covered under a policy underwritten by us.
11. Childcare expenses – We will pay up to $75 per day to a maximum of $500 for childcare costs incurred by you during your trip to care for your children traveling with you and remaining with you at your destination while you are hospitalized as an in-patient during your trip. Original receipts from the professional childcare provider are required and the professional childcare provider must be someone other than immediate family or a travel companion.
12. Expenses to return your travel companion – We will cover the extra cost of one-way economy class airfare via the most cost-effective itinerary, to return your travel companion (who is traveling with you at the time of your emergency and insured under our travel insurance plan) home, if you are repatriated or evacuated under Benefit #7 or #8 above.
13. Expenses to return your vehicle home – If, because of a medical emergency, you are unable to drive the vehicle you used during your trip, we will cover up to $3,000 charged by a commercial agency to bring your vehicle home. If you rented a vehicle during your trip, we will cover its return to the rental agency.
14. Hospital Allowance – When you are hospitalized for 48 hours or more due to sickness or injury during your trip, we will reimburse you $50 per day up to $300 per policy for your telephone, parking and television out-of-pocket expenses. Expenses must be supported by original receipts.
15. Phone call expenses – We will pay for phone calls to or from our Assistance Centre regarding your medical emergency. You must provide receipts or other reasonable evidence to show the cost of these calls and the numbers phoned or received during your trip.
16. Pet Return – If your domestic dog or cat travels with you during your trip and you return to Canada under Benefit #7 or #8, we will pay the cost of one-way transportation up to a maximum of $500 to return your domestic dog or cat to Canada.
17. Trip Break – For Single-Trip plans, you may return home to your province of residence without terminating your coverage. There is no coverage under this plan in your province or territory of residence. There will be no refund of premium for any of the days you spend in your province or territory of residence. If you experience any change in your health during the Trip Break, you must notify the Assistance Centre prior to leaving your province or territory of residence for confirmation of continued coverage.
18. Return to Original Trip Destination – If you are returned to your province or territory of residence under Benefit #8 (Expenses to bring you home) and the attending physician determines that the treatment received in Canada resolved the emergency and that no further treatment is required, we will reimburse up to a maximum of $5,000 for a one-way economy flight to return you and one insured travel companion to the original trip destination. This benefit is available only if the return to the destination occurs during the dates of the original trip and if the Assistance Centre has approved your return under your existing policy. A subsequent recurrence or complication of the condition that resulted in you being returned home is excluded under this policy.
19. Terrorism Coverage – When an act of terrorism directly or indirectly causes an eligible loss under the terms and conditions of this policy, coverage is available for up to two (2) acts of terrorism within a calendar year and up to a maximum aggregate payable limit of $35 million for all eligible emergency medical in-force policies issued and administered by us. The amount payable for each eligible claim is in excess of all other sources of recovery including alternative or replacement travel options and other

Sample quote 

from $94.55

In consideration of the application for insurance for which you have met the eligibility requirements and paid the appropriate premium, the insurer will pay you:
• up to a maximum of $10 million CDN per policy for reasonable and customary charges incurred by you as a result of an emergency occurring while you are traveling outside your province or territory of residence
• up to a maximum of $3,500 for a Trip Cancellation &Interruption claim if you purchased a Single-Trip All-Inclusive plan
• up to $3,500 per trip to a maximum of $6,000 per policy for a Trip Cancellation & Interruption claim if you purchased a Multi-Trip All-Inclusive plan
• up to $1,000 per trip for Baggage Loss or Damage and up to $500 for Baggage Delay per policy, if you purchased a Single Trip All-Inclusive plan
• up to $3,000 for Baggage Loss or Damage, and up to $1,500 for Baggage Delay, per policy, if you purchased a Multi-Trip All-Inclusive plan
• up to $100,000 for death or dismemberment in the event of a Flight Accident
• up to $50,000 for death or dismemberment in the event of a Travel Accident

Get a quote 

from $258.75