Skip to main content

Trip Cancellation & Trip Interruption

Now called "Trip Cancellation & Trip Interruption Insurance"

 

Coverage Purchased Before June 13, 2017

Coverage Purchased on or After June 13, 2017

Trip Cancellation & Trip Interruption Insurance - Annual and Single Trip

General

Plan Name

Trip Cancellation/Trip Interruption/Trip Disruption Insurance

New Name
Trip Cancellation & Trip Interruption Insurance

Note: All Trip Disruption benefits are still covered but they are now covered as part of the Trip Interruption Insurance.

Eligibility

Visitors to Canada

Visitors to Canada are eligible for coverage if prior to arriving in Canada, the trip is booked and insurance is paid for in Canada.

Visitors to Canada are eligible for coverage for any trip, provided all or part of the trip takes place in Canada.

Period of Coverage

Trip Interruption

Coverage terminates on the expiry date of the policy.

New 30-Day Limit on Coverage for Trip Delays
Coverage terminates on the expiry date of the policy, unless the return is delayed due to a covered risk in which case coverage terminates on the date of return or 30 days after the original scheduled return date, whichever is earlier.

Covered Risks

Detained by Immigration or Customs

The following benefits are available when detained by immigration or customs officials due to mistaken identity:

• Reimbursement of reasonable out-of-pocket expenses up to $350 per day to a maximum of $3,000

New Benefit Applies
The following benefits are available when detained by immigration or customs officials due to mistaken identity:
• Reimbursement of reasonable out-of-pocket expenses up to $350 per day to a maximum of $3,000
• Reimbursement of non-refundable prepaid travel costs (including airfare), change fees or a one-way economy airfare to the original departure point

Conditions

Sum Insured Increases

 

New Condition
If the insured increases their policy sum insured, exclusions no.1, 2, 3, 4, 5, 8 and 9 will also apply to the date the insured increased their sum insured, for the amount of the increase.

Travel Costs Booked with Points

 

A new condition has been added to clarify that the cash value of trips booked with points is not covered.

Exclusions

Palliative Care

 

New Exclusion
Coverage is excluded while receiving palliative care or if palliative care has been recommended.

Refundable Expenses

Any tickets refunded by the airline are excluded.

Updated Exclusion
Any unused prepaid travel expenses when a refund or travel credit is available are excluded.

72-Hour Waiting Period

Coverage is excluded for any sickness occurring within 72 hours after the date the insurance is purchased, if the policy was purchased more than 72 hours after booking the trip.

Updated Exclusion
Coverage is excluded for any sickness or death (other than death caused by an accident) occurring within 72 hours after the date the insurance is purchased, if the policy was purchased more than 72 hours after booking the trip.

Pre-existing Conditions

The pre-existing condition exclusion applies to the insured and their travelling companion as well as their family, caregiver, friend, business partner, business associate, host at final destination and employer or key employee.

Updated Exclusion
Business associate has been removed from the exclusion.

The exclusion still applies to the insured and their travelling companion as well as their family, caregiver, friend, business partner, host at final destination and employer or key employee.



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.