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Rental Car Protection Updates

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

  Coverage Purchased Before October 31, 2018 Coverage Purchased on or After October 31, 2018
Contact Information

Emergency Phone Number

1.800.663.0399

New Phone Number

1.877.293.BCAA (2222)

Rental Car Protection
General

Maximum Limit

Covers up to a maximum limit of $50,000.

Enhanced Coverage

Covers up to a maximum limit of $75,000.

Conditions

Police Report

A police report is required for physical damage over $700.

Enhanced Coverage

A police report is now only required for physical damage over $2,000.

Duplication of Coverage

If the insured is covered under more than one policy or plan administered by TuGo, benefits are paid up to an overall maximum limit of $100,000.

Enhanced Coverage

If the insured is covered under more than one policy or plan administered by TuGo, benefits are paid up to an overall maximum limit of $150,000.

Optional Coverages

Trip Cancellation & Interruption Insurance

Available as an optional coverage.

Offering Change

Available when purchased as part of the Non-medical Travel Package optional coverage. Trip Cancellation & Interruption is no longer available as a separate optional coverage.

Standard Holiday Package

Available as an optional coverage and includes:

  • TravelGold® Accident Insurance
  • Baggage Insurance

Offering Change

This optional coverage is no longer available.

Deluxe Holiday Package

Available as an optional coverage and includes:

  • Trip Cancellation & Trip Interruption Insurance
  • TravelGold Accident Insurance
  • Baggage Insurance
  • Additional Air Travel Related Expenses

Enhanced Coverage

Now called Non-medical Travel Package and is available as an optional coverage. This package still includes:

  • Trip Cancellation & Trip Interruption Insurance
  • TravelGold Accident Insurance
  • Baggage Insurance
  • Additional Air Travel Related Expenses
General Conditions

Termination for Non-Payment

N/A

New General Condition

Added a new General Condition to clarify that when a premium is not paid, the company reserves the right to terminate the policy without notice, except as otherwise provided by law.

Procedures

Trip Cancellation for Sum Insureds over $30,000

Insureds also purchasing trip cancellation with a sum insured of $30,000 and over must complete a Trip Cancellation Quote Request Form.

Insureds 60 years and over also must answer a Medical Health Questionnaire on the form to qualify to purchase over $30,000.

Enhanced Customer Experience

The Trip Cancellation Quote Form is no longer required and all insureds are qualified to purchase. Trip cancellation is always available up to a maximum limit of $100,000 when purchased as part of the Non-medical Travel Package.

Membership Discount

Membership discounts are not applicable for optional coverages.

Enhanced Feature

The Membership discount is now available for the Non-medical Travel Package optional coverage.

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.