Trip Cancellation & Trip Interruption Travel Insurance

Before departure:

• Trip cancellation insurance coverage up to the amount you select if you cancel your trip because of a covered event
• Up to $1,700 if a covered event prior to departure causes a misconnection
• Default protection

After departure:

• Trip interruption insurance coverage up to the amount you select if you have to return early because of a covered event
• Up to $1,700 if a covered event causes a misconnection
• Up to $1,500 for delayed return

Our trip cancellation and interruption plan is available to Canadian residents and anyone travelling through Canada unless they:

• Are travelling against the advice of a physician
• Have been diagnosed with a terminal illness with less than six months to live
• Require kidney dialysis
• Used home oxygen in the 12 months before applying for this insurance

Covered events include:

• Medical events e.g., you, your travel companion, or an immediate family member develops a sudden medical condition or the host you’re staying with is hospitalized
• Pregnancy complications and adoption events
• Work and education obligations, e.g., job loss or transfer requiring relocation
• Government and legal events, e.g., passport or visa not issued
• Accommodations and transportation events, e.g., connecting vehicle delayed
• Forces of nature

Missed connections:

• The common carrier that provides transportation for part of your trip leaves later or earlier than scheduled and causes you to miss your next connection
• You or your travel companion is delayed by at least six hours arriving at your destination or returning home
• Airline cancels connecting flight

Default protection

• Provides coverage when your travel supplier ceases operations because of bankruptcy or insolvency

Cancel for any reason (CFAR) rider:

• Reimbursement for up to 50% of the pre-paid portion of your trip that is non-refundable if you cancel for any reason 10 days or more before your departure date
• Must be purchased within seven days of booking your trip

If your coverage is less than $20,000:

• Does not cover any expenses for a medical condition that is not stable for three months prior to insurance purchase date
• Does not cover any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the three months prior to insurance purchase date
• Does not cover any lung condition that was not stable or that required treatment with oxygen or prednisone in the three months prior to insurance purchase date

If your coverage is more than $20,000:

• Does not cover any expenses for a medical condition that is not stable for 12 months prior to insurance purchase date
• Does not cover any heart condition that was not stable or that required any form of nitroglycerine to relieve angina pain in the 12 months prior to insurance purchase date
• Does not cover any lung condition that was not stable or that required treatment with oxygen or prednisone in the 12 months prior to insurance purchase date