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Optional Coverages

Our Optional Coverages have been updated and in many cases the coverage limits have increased. Read on to see if any apply to you.

 

Coverage Purchased Before June 13, 2017

Coverage Purchased on or After June 13, 2017

Visitors Stable Pre-existing Condition Coverage

 

New Optional Coverage

Visitors Stable Pre-existing Condition Coverage Covers up to the sum insured for stable pre-existing conditions for insureds 70 to 79 years as follows:

70-79 Years
• 180-day stability required prior to the effective date or arrival date in Canada – whichever occurs later

Baggage Insurance

Covers baggage if delayed beyond 12 hours while the insured is travelling and before they return to their original departure point.

Updated Baggage Delay Benefit
Covers baggage if delayed beyond 12 hours while the insured is travelling and before they return to their ordinary place of residence.

TravelGold® Accident Insurance

 

New Exclusion
A trip that is undertaken while receiving palliative care or after palliative care has been recommended is excluded.

Additional Air Travel Related Expenses

Coverage terminates on the expiry date of the policy.

Updated Period of Coverage
Coverage terminates on the expiry date of the policy, unless the return is delayed due to any of the benefits listed in the optional coverage in which case coverage terminates on the date of return or 30 days after the original scheduled return date, whichever is earlier.

Additional Air Travel Related Expenses

Coverage is available as follows:

Flight Delay Over 4 Hours
• Up to a maximum of $700 for necessary and reasonable hotel, motel or restaurant expenses
• Up to a maximum of $200 for additional transport expenses
• Up to a maximum of $200 for entertainment expenses

Baggage Delay Over 6 Hours
• Up to a maximum of $700 for the purchase of essential clothing and personal care items while the baggage is lost or delayed by the airline

Benefit Limit Increase

Coverage is available as follows:

Flight Delay Over 4 Hours
• Up to a maximum of $900 for necessary and reasonable hotel, motel or restaurant expenses
• Up to a maximum of $400 for additional transport expenses
• Up to a maximum of $400 for entertainment expenses

Baggage Delay Over 6 Hours
• Up to a maximum of $900 for the purchase of essential clothing and personal care items while the baggage is lost or delayed by the airline

Return of Domestic Pets

Coverage is available as follows:

Pet Return After an Emergency Air Evacuation Home
• Up to a maximum of $600

Boarding Charges or Pet Return if Hospitalized
• Up to a maximum of $200 combined

Benefit Limit Increase

Coverage is available as follows:

Pet Return After an Emergency Air Evacuation Home
• Up to a maximum of $600

Boarding Charges or Pet Return if Hospitalized
• Up to a maximum of $600 combined



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.