Our Travel Insurance Plans

Product Description Please note: Benefit limits listed below are per insured person, unless otherwise stated.	Classic Emergency Medical Plan^	Trip Cancellation & Interruption Plan^*	Non-Medical Package^*

	Provides coverage for the reasonable and customary costs incurred as a result of an eligible emergency sickness or injury while travelling.	Protection against financial losses if a prepaid trip is cancelled prior to departure, or interrupted or delayed while travelling due to a covered reason.	Protection against financial losses if a prepaid trip is cancelled prior to departure, or interrupted or delayed while travelling due to a covered reason. Also includes baggage coverage, flight accident and travel accident coverage.
	Up to $5,000,000	-	-
	Included in overall policy maximum	-	-
	$150/day – Max. 10 days	-	-
	$5,000	-	-
	$2,000	-	-
	Included	Included	Included
	-	Insured Trip Cost (total for all insured persons combined)	Insured Trip Cost (total for all insured persons combined)
	-	Up to $10,000	Up to $10,000
	-	$150/day - Max. 2 days; Minimum Required Delay - 6 hours	$300/day - Max. 2 days; Minimum Required Delay - 6 hours
	-	-	$1,000
	-	-	$200
	-	-	Up to $50,000
	-	-	Up to $100,000
	Refer to Emergency Medical Maximum Amount	-	-
	-	Refer to Trip Interruption Maximum Amount	Refer to Trip Interruption Maximum Amount
	-	Refer to Trip Delay Maximum Amount	Refer to Trip Delay Maximum Amount
Key Coverage Conditions	Policy of Insurance Product Summary	Policy of Insurance Product Summary	Policy of Insurance Product Summary
	To be eligible, Canadian residents must be insured under a government health insurance plan for the entire duration of the trip.	Must be a Canadian resident.	Must be a Canadian resident.
	A medical questionnaire is required for travellers who are age 65-84.	-	-
Includes coverage for Emergency Medical benefits when travelling within your province or territory of residence. COVID-19 is not a covered reason for trip cancellation or trip interruption if the Government of Canada issues a travel advisory for your destination.

Classic Emergency Medical Plan^

Protection against financial losses if a prepaid trip is cancelled prior to departure, or interrupted or delayed while travelling due to a covered reason.

Policy of Insurance
Product Summary

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Emergency Medical	Up to $5,000,000
Emergency Transportation	Included in overall policy maximum
Accommodations & Meals	$150/day – Max. 10 days
Repatriation of Remains	$5,000
Vehicle Return	$2,000
24-Hour Emergency Assistance	Included
Trip Cancellation	-
Trip Interruption	-
Travel Delay	-
Baggage Coverage	-
Baggage Delay	-
Travel Accident	-
Flight Accident	-
Emergency Medical for COVID-19	Refer to Emergency Medical Maximum Amount
Trip Interruption for COVID-19	-
Trip Delay for COVID-19 Quarantine	-

Trip Cancellation & Interruption Plan^*

Provides coverage for the reasonable and customary costs incurred as a result of an eligible emergency sickness or injury while travelling.

Policy of Insurance
Product Summary

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Emergency Medical	-
Emergency Transportation	-
Accommodations & Meals	-
Repatriation of Remains	-
Vehicle Return	-
24-Hour Emergency Assistance	Included
Trip Cancellation	Insured Trip Cost (total for all insured persons combined)
Trip Interruption	Up to $10,000
Travel Delay	$150/day - Max. 2 days; Minimum Required Delay - 6 hours
Baggage Coverage	-
Baggage Delay	-
Travel Accident	-
Flight Accident	-
Emergency Medical for COVID-19	-
Trip Interruption for COVID-19	Refer to Trip Interruption Maximum Amount
Trip Delay for COVID-19 Quarantine	Refer to Trip Delay Maximum Amount

Non-Medical Package^*

Protection against financial losses if a prepaid trip is cancelled prior to departure, or interrupted or delayed while travelling due to a covered reason. Also includes baggage coverage, flight accident and travel accident coverage.

Policy of Insurance
Product Summary

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Emergency Medical	-
Emergency Transportation	-
Accommodations & Meals	-
Repatriation of Remains	-
Vehicle Return	-
24-Hour Emergency Assistance	Included
Trip Cancellation	Insured Trip Cost (total for all insured persons combined)
Trip Interruption	Up to $10,000
Travel Delay	$300/day - Max. 2 days; Minimum Required Delay - 6 hours
Baggage Coverage	$1,000
Baggage Delay	$200
Travel Accident	Up to $50,000
Flight Accident	Up to $100,000
Emergency Medical for COVID-19	-
Trip Interruption for COVID-19	Refer to Trip Interruption Maximum Amount
Trip Delay for COVID-19 Quarantine	Refer to Trip Delay Maximum Amount

Product Description Please note: Benefit limits listed below are per insured person, unless otherwise stated.	Deluxe Package^*

	Convenient, all-in-one plan which includes: emergency medical benefits, trip cancellation, trip interruption, baggage insurance, flight accident and travel accident coverage.
	Up to $5,000,000
	Included in overall policy maximum
	$150/day – Max. 10 days
	$5,000
	$2,000
	Included
	Insured Trip Cost (total for all insured persons combined)
	Up to $10,000
	$300/day - Max. 2 days; Minimum Required Delay - 6 hours
	$1,000
	$200
	Up to $50,000
	Up to $100,000
	Refer to Emergency Medical Maximum Amount
	Refer to Trip Interruption Maximum Amount
	Refer to Trip Delay Maximum Amount
Key Coverage Conditions	Policy of Insurance Product Summary
	To be eligible, Canadian residents must be insured under a government health insurance plan for the entire duration of the trip.
	A medical questionnaire is required for travellers who are age 75-84.
Includes coverage for Emergency Medical benefits when travelling within your province or territory of residence. COVID-19 is not a covered reason for trip cancellation or trip interruption if the Government of Canada issues a travel advisory for your destination.

Deluxe Package^*

Convenient, all-in-one plan which includes: emergency medical benefits, trip cancellation, trip interruption, baggage insurance, flight accident and travel accident coverage.

Policy of Insurance
Product Summary

View

Emergency Medical	Up to $5,000,000
Emergency Transportation	Included in overall policy maximum
Accommodations & Meals	$150/day – Max. 10 days
Repatriation of Remains	$5,000
Vehicle Return	$2,000
24-Hour Emergency Assistance	Included
Trip Cancellation	Insured Trip Cost (total for all insured persons combined)
Trip Interruption	Up to $10,000
Travel Delay	$300/day - Max. 2 days; Minimum Required Delay - 6 hours
Baggage Coverage	$1,000
Baggage Delay	$200
Travel Accident	Up to $50,000
Flight Accident	Up to $100,000
Emergency Medical for COVID-19	Refer to Emergency Medical Maximum Amount
Trip Interruption for COVID-19	Refer to Trip Interruption Maximum Amount
Trip Delay for COVID-19 Quarantine	Refer to Trip Delay Maximum Amount