Trip Cancellation & Interruption Insurance

If your trip is cancelled, interrupted or delayed for a specific reason listed in the policy, such as an unexpected event or an injury to you, a family member, or travelling companion, we will reimburse you for the non-refundable amount.

Before you leave:

• If you cancel your trip due to an insured risk, we will reimburse you for the non-refundable, non-recoverable portion of prepaid airfare and travel arrangements.
• If you have to pay a single supplement because a companion is unable to travel due to an insured risk, we will reimburse you.

After you leave:

• If you or a travelling companion misses a portion of your trip due to illness, we will pay for economy transportation to continue your trip.
• If you have to return home due to an insured risk, we will reimburse you for the non-refundable portion of your unused, prepaid, insured travel arrangements, and for economy transportation to return to your departure point.
• If a covered sickness or injury results in your death, we will pay up to $10,000 for costs to bring you home, or up to $4,000 for cremation and burial at the place of death.

If you miss a connection, we will pay for economy transportation to your destination, reimburse you for your unusable travel arrangements, and provide up to $200 a day ($600 maximum) for personal expenses like a hotel room, meals, and phone calls. This applies if the connecting vehicle was scheduled to arrive at least two hours before the connection time and the delay is due to weather, traffic accident or police road closure, or mechanical failure of the connecting vehicle.

If you cancel your trip before departure, you must notify the Claims Department on the same day that the cause for cancellation occurs. Any event that you are aware of before you book your trip, which may cause you not to travel as planned, will not be covered as a cause of cancellation.

Note: This information is an illustration only. Travel insurance does not cover everything. For the complete terms, conditions, limitations and exclusions please see the policy wording online or refer to your policy booklet.

Basic Plan

sum insured	Age 0 - 59	Age 60 - 64	Age 65 - 69	Age 70 - 74	Age 75 - 79	Age 80+
prior to departure
$100	$21	$24	$28	$31	$41	$45
200	26	29	34	41	54	57
300	30	34	40	51	67	75
400	34	39	45	61	80	93
500	39	45	51	66	89	108
600	44	50	56	70	95	120
700	48	54	60	73	101	130
800	53	60	66	78	110	146
900	57	64	69	81	115	155
1,000	62	69	75	87	125	167
1,100	65	73	78	91	132	176
1,200	69	77	83	95	140	186
1,300	72	81	86	98	146	194
1,400	76	85	91	103	155	204
1,500	80	89	94	106	161	212
1,600	84	94	99	111	170	223
1,700	87	97	103	115	177	232
1,800	92	102	107	120	186	242
1,900	95	106	111	124	193	251
2,000	99	110	115	127	200	260
2,100	101	112	118	132	207	267
2,200	106	118	124	143	221	283
2,300	111	123	131	154	235	298
2,400	114	127	135	162	246	310
2,500	118	131	139	169	255	319
Add to $2,500 Premium Per Addition $100 Up to $12,500	$3.45	$4.30	$5.15	$5.80	$6.60	$8.00

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Select Plan

sum insured	Age 0 - 59	Age 60 - 64	Age 65 - 69	Age 70 - 74	Age 75 - 79	Age 80+
prior to departure
$100	$25	$27	$31	$36	$48	$50
200	29	32	39	46	61	66
300	33	37	43	56	74	84
400	37	42	49	66	87	101
500	44	50	56	73	98	121
600	48	55	60	77	105	133
700	52	59	65	81	111	144
800	58	65	70	86	120	159
900	61	68	74	89	125	168
1,000	67	75	81	97	138	185
1,100	71	79	84	101	145	194
1,200	75	83	89	105	153	204
1,300	78	87	92	109	159	211
1,400	82	91	97	113	168	222
1,500	85	95	100	117	175	230
1,600	90	100	105	121	183	241
1,700	93	103	109	125	190	250
1,800	97	108	114	130	199	260
1,900	101	112	117	134	206	269
2,000	104	116	121	138	213	278
2,100	109	120	126	147	225	292
2,200	114	126	133	158	239	308
2,300	119	131	139	168	253	323
2,400	122	135	144	176	264	335
2,500	125	139	148	183	273	345
Add to $2,500 Premium Per Addition $100 Up to $12,500	$3.70	$4.55	$5.40	$6.20	$7.15	$8.75

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All-inclusive Package Plans

Our All-inclusive Package Plans combine emergency hospital & medical insurance for Canadians with trip cancellation & interruption coverage. Because you buy these plans as a combination, you get a great price on great coverage, both before and during your trip.

Emergency Hospital & Medical Insurance for Canadians provides up to $2 million for emergency hospitalization and medical services in excess of your provincial or territorial plan. Some of the other benefits include:

• Meals & Accommodation: While you're in hospital, insured family members or travelling companions will be reimbursed up to $3,000 for reasonable living expenses.
• Transportation of Family or Friend: Up to $3,000 for economy transportation (one round trip) to bring a family member or close friend to your bedside.
• Accidental Dental: Up to $3,000 for emergency repair or replacement of whole or sound natural teeth caused by an accidental blow to the face.

The Trip Cancellation and Interruption Select Plan insures your travel arrangements against unexpected loss or cancellation not just before your trip, but while you are away.

• Before you leave, if you cancel your trip due to an insured risk, we will reimburse you for the non-refundable, non-recoverable portion of prepaid airfare and travel arrangements.
• After you leave, if you or a travelling companion misses a portion of your trip due to illness, we will pay for economy transportation to continue your trip.
• If you have to return home after you leave due to an insured risk, we will reimburse you for the non-refundable portion of your unused, prepaid, insured travel arrangements, and for economy transportation to return to your departure point.

This plan also provides coverage for delayed baggage, cancellation by the tour operator (for any reason other than default), accidental death & dismemberment, flight accident, and lost or damaged baggage and personal effects. Default of travel supplier is also covered, subject to some exclusions.

Note: This information is an illustration only. Travel insurance does not cover everything. For the complete terms, conditions, limitations and exclusions please refer to your policy booklet

Rates for All Inclusive Package

• USA plan (pdf)
• Non-USA plan (pdf)

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Important Notes