Trip Cancellation & Interruption, Baggage, Accidental Death & Dismemberment
What’s important about these protections?
As the name suggests, travel medical insurance covers costs and expenses pertaining to a medical emergency happening while on a trip.
But what will become of your non-refundable deposits if you need to cancel or interrupt your trip? The sudden death of a family member, pregnancy, or involuntarily losing your job are only a few of the reasons that could alter your plans. To protect deposits given on an upcoming trip, Trip Cancellation & Interruption Insurance is what you need.
And to avoid having to wear the gift shop’s ugly t-shirt all week if you find out that your luggage had a different destination in mind, you need to purchase insurance that will cover the loss, theft, delay or damage to your baggage and personal effects.
With these optional protections in your back pocket, missing a correspondence or having to cancel your trip won’t feel as awful as it sounds.
Do these protections meet your needs?
- Travellers of 85 years old and less
- Coverage offered for one trip at a time
- Up to $12,000 for trip cancellation and interruption
- Up to $1,000 for baggage and personal effects
- Up to $100,000 in case of accidental death or dismemberment
* Certain conditions and age limits may apply. Please see the policy for full details.
Are you eligible?
“I just wanted to let you know that we are truly amazed and very satisfied with the speedy refund sent out on our travel insurance policy… Again, thank you very much for the excellent service.”
What else do you need to know?
Coverage types and amounts
“Trip Cancellation & Interruption insurance” provides coverage up to $12,000 and can be sold as a stand-alone protection.
“Baggage” insurance provides coverage up to $1,000 for your baggage and personal effects, but cannot be sold by itself: it must be combined with “Trip Cancellation & Interruption insurance”, in which case you will be getting “Accidental Death & Dismemberment insurance” as a bonus, providing coverage up to $100,000.
See the policy for details of each protection.
Eligibility (Can you purchase this insurance?)
- Applicants must be 85 years old or younger.
- The policy must be purchased while the applicant is in their province of residence.
- The policy must be purchased within 15 days of the first non-refundable deposit of the insured trip.
- Insurance must be purchased for the full duration of the trip and for an amount sufficient to cover the full value of the non-refundable, non-transferable portion of the travel arrangements, up to a maximum of CAN $12,000. (In other words, you cannot insure a trip worth more than CAN $12,000, or insure only part of your trip.)
Buying online and the “Combined Protection” discount
Due to technical reasons, these protections cannot be sold by themselves online: they must be combined with travel medical insurance. A “combined protection” discount of 5% is automatically added. If you want to subscribe Trip Cancellation & Interruption insurance without a medical protection, you must contact your broker or one of our sales representatives. Take note that this is possible only in some provinces, due to licensing requirements in other areas.
Complimentary Emergency Medical Assistance
All of our protections include services from Tour+Med Assistance, our emergency assistance team. They are available 24/7, from anywhere in the world.
FAQs from travellers just like you
Can I purchase Baggage insurance by itself?
Baggage insurance cannot be sold by itself; it is sold as a package with Trip Cancellation & Interruption insurance, and coverage in the event of Accidental Death & Dismemberment.
What risks are covered by Trip Cancellation-Interruption insurance?
If purchased, Trip Cancellation & Interruption insurance covers specific situations that could happen before or during your trip, causing you to cancel or interrupt your trip. Your policy could also provide coverage for your baggage and personal effects, and protection in the event of accidental death or dismemberment. (See the policy for details on covered risks and applicable benefits.)
Am I covered if my trip gets cancelled due to a travel advisory pertaining to COVID-19?
It depends… Travel advisories have been issued and lifted many times since March 2020. The pandemic of COVID-19 keeps everybody on their toes so even if there is no travel advisory at this time, nobody can promise that advisories won’t be reinstated or that your destination will not be the subject of a specific advisory.
For a trip other than a cruise:
Any initial Trip arrangement booked while there was an advisory to avoid non-essential travel (between March 13, 2020 and October 21, 2021, as well as between December 15, 2021 and February 27, 2022), is not covered in the event of a trip cancellation or interruption pertaining to travel advisories since the advisory originated from the COVID-19 pandemic, and COVID-19 was a known risk at the time of booking.
Initial Trip arrangements booked while there was no travel advisory (between October 22, 2021 and December 14, 2021, as well as on February 28, 2022 or later) are covered (subject to the terms, conditions and limitations of the policy).
For a cruise:
Any initial cruiseTrip arrangement booked while an advisory to avoid all cruise ship travel (due to COVID-19) was effective (between March 9, 2020 and March 7, 2022) is not covered in the event of a trip cancellation or interruption pertaining to advisories since the advisory originated from the COVID-19 pandemic, and COVID-19 was a known risk at the time of booking.
Initial cruise Trip arrangements booked while there was no travel advisory (on March 8, 2022 or later) are covered (subject to the terms, conditions and limitations of the policy).
Am I covered if I test positive to COVID-19 prior to my departure / prior to my return?
Not necessarily. Trip Cancellation & Interruption insurance covers you for certain risks, including medical conditions and death (see the first covered risk in the policy). However, the medical condition needs to meet the definition of Emergency in the policy for cancellation or interruption to be covered. If your medical condition is not an emergency (as per the definition), cancellation or interruption will not be covered.
“Emergency” – Means a sudden and unforeseen Medical Condition that requires immediate Treatment. The Emergency must be so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip.
In other words, if you test positive to COVID-19, are asymptomatic, and are only required to isolate, it does not meet the definition of Emergency. Cancellation or interruption of your trip would not be covered in such case. But if you are hospitalized, for example, cancellation or interruption would then be covered (as per the terms, conditions and limitations of the policy).
NEW: Add the COVID-19 Rider to your Trip Cancellaton & Interruption insurance at the time of purchase to be covered if a positive diagnosis to COVID-19 prevents you from going on your trip… or from returning home on the scheduled return date!