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General Exclusions and Conditions

We've updated some exclusions to be more explicit and improve understanding.

 

Coverage Purchased Before June 13, 2017

Coverage Purchased on or After June 13, 2017

General Exclusions

Alcohol & Drugs

Abuse or intoxication due to alcohol, drugs or medication is excluded.

Updated Exclusion
The following are excluded:

Any sickness, injury or death that could reasonably be contributed to or caused by:
• Intoxication from alcohol consumption*
• Abuse or misuse of alcohol, drugs, prescription drugs, over the counter medication or any other intoxicants, either before or during the trip
• Consumption or use of illegal drugs (based on the law where the cause of the claim occurred)

*Alcohol intoxication is determined either when records indicate a blood alcohol level of 80 milligrams of alcohol per 100 millilitres of blood or when records indicate intoxication and no blood alcohol level is specified.

Acts of War & Acts of Terrorism

Applicable to All Plans
Acts of war are excluded.

Applicable to Trip Cancellation/Trip Interruption/Trip Disruption and to TravelGold Accident

Terrorist activity is excluded.

Applicable to Policies with Trip Cancellation & Trip Interruption
Acts of war and acts of terrorism are excluded, unless a formal travel advisory or travel warning has been issued after the trip is booked or the insurance was purchased.

Applicable to All Plans
Acts of war and acts of terrorism are excluded if the insured has participated or has voluntarily been exposed to them. Injury and death caused by radioactive contamination or by nuclear, chemical or biological weapons are always excluded.

AIDS & HIV

A condition resulting from AIDS or HIV is excluded.

Exclusion Removed
A condition resulting from AIDS or HIV is no longer excluded.

General Conditions

Coordination of Benefits

 

New General Condition
Clarifies that all claims coordination follows the guidelines set by the Canadian Life and Health Insurance Association.

Duplication of Coverage

Application to All Plans
If the insured is covered under more than one policy or plan administered by TuGo, benefits are paid under the one policy with the greatest benefit limit.

Changes to the Duplication of Coverage Condition

Applicable to Trip Cancellation & Trip Interruption and Rental Car Protection
If the insured is covered under more than one policy, plan or optional coverage administered by TuGo, benefits are paid under all coverages up to a maximum of $100,000 for the Trip Cancellation & Trip Interruption and/or the Rental Care Protection plan.

Applicable to Baggage Insurance
If the insured is covered under more than one policy, plan or optional coverage administered by TuGo, benefits are paid under all coverages up to a maximum of $5,000 per insured or $7,500 per family for the Baggage Insurance plan.

Note: For all other plans and optional coverages, the Duplication of Coverage terms remain the same.

Interest Charges

 

New General Condition
Clarifies that any interest charges accrued are not covered.



If you have questions or would like to make a change to your policy, please call or visit your local BCAA Service Location.

  • Review a printer-friendly version of the full-list of changes to your policy
  • Download your updated policy wording booklet
  • Receive a wording booklet by mail

Insurance is sold through BCAA Insurance Agency. The language in this document may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TravelGold is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd., d.b.a. TuGo, a licensed insurance broker in British Columbia. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.