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We’re pleased to provide the following clarifications to your policy:


Business Meeting

The definition for business meeting has been amended and no longer specifies that conferences and seminars are not considered business meetings. There is now a covered risk for these, so there is no need to specify these aren't business meetings.

Common Carrier

Cruise ship has been added to the definition for common carrier.


The definition for company has been updated with the Underwriter change for Rental Car Protection.

Diagnostic Tests

A new definition for diagnostic tests has been added to the policy wording.


The definition for policyholder has been deleted. Whenever applicable, the defined term for insured is used instead.

Pre-existing Condition

The definition for pre-existing condition has been streamlined. Any text that is already captured in the pre-existing condition exclusion has been removed.

Schedule Change

The definition for schedule change has been deleted. Strikes and labour disruptions are now covered as a schedule change.

Travel Costs

The definition for travel costs has been updated with the following:

  • Condo/villa has been removed and replaced with commercial rentals that are booked through a rental agency with a published cancellation process
  • Workshop, convention and symposium have been added
  • Amusement park passes has been replaced with entrance fees
  • Sports tickets and passes (intended for a participant or a spectator) have been added

Download a list of changes (PDF)

NEW! Travel Insurance Emergency Claims Phone Number: 1.877.293.BCAA (2222)

Insurance is sold through BCAA Insurance Agency. The language here 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. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific general Insurance Corporation and certain Lloyd’s Underwriters, severally and not jointly.