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.

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.

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.

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

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.

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.