Changes & Enhancements to BCAA Travel Insurance
Trip Cancellation & Trip Interruption
Now called "Trip Cancellation & Trip Interruption Insurance"
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Coverage Purchased Before June 13, 2017 |
Coverage Purchased on or After June 13, 2017 |
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Trip Cancellation & Trip Interruption Insurance - Annual and Single Trip |
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General |
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Plan Name |
Trip Cancellation/Trip Interruption/Trip Disruption Insurance |
New Name
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Eligibility |
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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. |
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Period of Coverage |
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Trip Interruption |
Coverage terminates on the expiry date of the policy. |
New 30-Day Limit on Coverage for Trip Delays
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Covered Risks |
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Detained by Immigration or Customs |
The following benefits are available when detained by immigration or customs officials due to mistaken identity:
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New Benefit Applies
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Conditions |
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Sum Insured Increases |
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New Condition
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Travel Costs Booked with Points |
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A new condition has been added to clarify that the cash value of trips booked with points is not covered. |
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Exclusions |
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Palliative Care |
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New Exclusion |
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Refundable Expenses |
Any tickets refunded by the airline are excluded. |
Updated Exclusion
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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
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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
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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.