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Product Description
Please note: Benefit limits listed below are per insured person, unless otherwise stated. |
Classic Emergency Medical Plan
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Trip Cancellation & Interruption Plan
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Non-Medical Package
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Deluxe Package
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Provides coverage for the reasonable and customary costs incurred as a result of an eligible emergency sickness or injury while travelling.
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Protection against financial losses if a prepaid trip is cancelled prior to departure, or interrupted or delayed while travelling due to a covered reason.
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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.
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Convenient, all-in-one plan which includes: emergency medical benefits, trip cancellation, trip interruption, baggage insurance, flight accident and travel accident coverage.
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Emergency Medical
Emergency Medical Coverage reimburses you for the cost of treatment associated with a medical or dental emergency incurred while travelling. Coverage for Transportation to Bedside, Attendant/Return of Travel Companion, and Accommodation and Meals are also included in this benefit. Please see your policy for full details.
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Up to $5,000,000 | - | - | Up to $5,000,000 |
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Emergency Transportation
Emergency Medical Transportation arranges to medically transport a patient to an appropriate medical facility or to return home when medically necessary. Please see your policy terms and conditions for full details.
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Included in overall policy maximum | - | - | Included in overall policy maximum |
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Accommodations & Meals
Covers the cost of hotels and meals if you and/or a travelling companion are delayed beyond your scheduled return date or are relocated to receive appropriate medical attention.
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$150/day – Max. 10 days | - | - | $150/day – Max. 10 days |
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Repatriation of Remains
Repatriation of Remains provides coverage for the repatriation of mortal remains to the deceased's city of residence should death occur during your trip. Please see your policy terms and conditions for full details.
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$5,000 | - | - | $5,000 |
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Vehicle Return
Vehicle Return covers expenses to return your vehicle to your residence or to the rental agency if, as a result of a covered medical emergency, you are unable to return your vehicle or rented vehicle to its point of origin. Please see your policy terms and conditions for full details.
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$2,000 | - | - | $2,000 |
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24-Hour Emergency Assistance
24-Hour Emergency Assistance offers assistance with pre-trip information, document and ticket replacement, legal assistance, emergency cash transfers, medical referrals, and emergency message communication while travelling.
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Included | Included | Included | Included |
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Trip Cancellation
Trip Cancellation provides reimbursement for non-refundable, prepaid trip payments and deposits if a trip is cancelled for illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
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- | Insured Trip Cost (total for all insured persons combined) | Insured Trip Cost (total for all insured persons combined) | Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Prepaid expenses
Trip Interruption provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted or delayed due to unexpected illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
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- | Insured Trip Cost (total for all insured persons combined) | Insured Trip Cost (total for all insured persons combined) | Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Transportation expenses
Trip Interruption provides reimbursement for non-refundable trip payments and deposits if a trip is interrupted or delayed due to unexpected illness, death or other unforeseen covered reasons. Please see your policy terms and conditions for full details.
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- | Unlimited | Unlimited | Unlimited |
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Travel Delay
Trip Delay provides reimbursement for meals and accommodations when a trip is unexpectedly delayed. Please see your policy terms and conditions for full details.
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$150/day - Max. 2 days; Minimum Required Delay - 6 hours |
$300/day - Max. 2 days; Minimum Required Delay - 6 hours |
$300/day - Max. 2 days; Minimum Required Delay - 6 hours |
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Baggage Coverage
Baggage Coverage provides reimbursement for lost, stolen or damaged baggage. Please see your policy terms and conditions for full details.
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- | - | $1,000 | $1,000 |
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Baggage Delay
Baggage Delay provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for at least 12 hours. Please see your policy terms and conditions for full details.
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- | - | $200 | $200 |
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Travel Accident
Benefit for loss of life, limb or sight resulting from accidental injury that occurs during a trip, except while boarding, riding in, or departing from an aircraft.
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- | - | Up to $50,000 | Up to $50,000 |
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Flight Accident
Benefit for loss of life, limb or sight resulting from accidental injury that occurs on a commercial aircraft during your trip.
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- | - | Up to $100,000 | Up to $100,000 |
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Refer to Emergency Medical Maximum Amount | - | - | Refer to Emergency Medical Maximum Amount |
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- | Refer to Trip Interruption Maximum Amount | Refer to Trip Interruption Maximum Amount | Refer to Trip Interruption Maximum Amount |
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- | Refer to Trip Delay Maximum Amount | Refer to Trip Delay Maximum Amount | Refer to Trip Delay Maximum Amount |
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Key Coverage Conditions
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Eligibility
To be eligible, Canadian residents must be insured under a government health insurance plan for the entire duration of the trip.
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To be eligible, Canadian residents must be insured under a government health insurance plan for the entire duration of the trip.
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Must be a Canadian resident.
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Must be a Canadian resident.
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To be eligible, Canadian residents must be insured under a government health insurance plan for the entire duration of the trip.
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Medical Underwriting
A medical questionnaire is required for travellers who are age 65-84.
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A medical questionnaire is required for travellers who are age 65-84.
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A medical questionnaire is required for travellers who are age 75-84.
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Classic Emergency Medical Plan
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Emergency Medical |
Up to $5,000,000 |
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Emergency Transportation |
Included in overall policy maximum |
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Accommodations & Meals |
$150/day – Max. 10 days |
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Repatriation of Remains |
$5,000 |
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Vehicle Return |
$2,000 |
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24-Hour Emergency Assistance |
Included |
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Trip Cancellation |
- |
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Trip Interruption - Prepaid expenses |
- |
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Trip Interruption - Transportation expenses |
- |
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Travel Delay |
- |
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Baggage Coverage |
- |
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Baggage Delay |
- |
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Travel Accident |
- |
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Flight Accident |
- |
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Emergency Medical for COVID-19 |
Refer to Emergency Medical Maximum Amount |
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Trip Interruption for COVID-19 |
- |
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Trip Delay for COVID-19 Quarantine |
- |
Trip Cancellation & Interruption Plan
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Emergency Medical |
- |
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Emergency Transportation |
- |
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Accommodations & Meals |
- |
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Repatriation of Remains |
- |
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Vehicle Return |
- |
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24-Hour Emergency Assistance |
Included |
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Trip Cancellation |
Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Prepaid expenses |
Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Transportation expenses |
Unlimited |
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Travel Delay |
$150/day - Max. 2 days; Minimum Required Delay - 6 hours |
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Baggage Coverage |
- |
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Baggage Delay |
- |
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Travel Accident |
- |
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Flight Accident |
- |
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Emergency Medical for COVID-19 |
- |
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Trip Interruption for COVID-19 |
Refer to Trip Interruption Maximum Amount |
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Trip Delay for COVID-19 Quarantine |
Refer to Trip Delay Maximum Amount |
Non-Medical Package
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Emergency Medical |
- |
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Emergency Transportation |
- |
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Accommodations & Meals |
- |
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Repatriation of Remains |
- |
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Vehicle Return |
- |
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24-Hour Emergency Assistance |
Included |
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Trip Cancellation |
Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Prepaid expenses |
Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Transportation expenses |
Unlimited |
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Travel Delay |
$300/day - Max. 2 days; Minimum Required Delay - 6 hours |
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Baggage Coverage |
$1,000 |
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Baggage Delay |
$200 |
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Travel Accident |
Up to $50,000 |
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Flight Accident |
Up to $100,000 |
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Emergency Medical for COVID-19 |
- |
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Trip Interruption for COVID-19 |
Refer to Trip Interruption Maximum Amount |
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Trip Delay for COVID-19 Quarantine |
Refer to Trip Delay Maximum Amount |
Deluxe Package
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Emergency Medical |
Up to $5,000,000 |
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Emergency Transportation |
Included in overall policy maximum |
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Accommodations & Meals |
$150/day – Max. 10 days |
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Repatriation of Remains |
$5,000 |
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Vehicle Return |
$2,000 |
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24-Hour Emergency Assistance |
Included |
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Trip Cancellation |
Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Prepaid expenses |
Insured Trip Cost (total for all insured persons combined) |
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Trip Interruption - Transportation expenses |
Unlimited |
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Travel Delay |
$300/day - Max. 2 days; Minimum Required Delay - 6 hours |
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Baggage Coverage |
$1,000 |
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Baggage Delay |
$200 |
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Travel Accident |
Up to $50,000 |
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Flight Accident |
Up to $100,000 |
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Emergency Medical for COVID-19 |
Refer to Emergency Medical Maximum Amount |
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Trip Interruption for COVID-19 |
Refer to Trip Interruption Maximum Amount |
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Trip Delay for COVID-19 Quarantine |
Refer to Trip Delay Maximum Amount |