Emergency medical benefits*

Health services

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Extra meal, hotel, childcare and phone call costs
• Expenses related to death
• Terrorism coverage*

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

Trip Interruption Benefits

• up to $200 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,800 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $400 per insured family per day to a maximum of $5,600.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

Exception: For children 11 years old or younger who are not eligible to receive the vaccine, Coronavirus (COVID-19) coverage will be provided when travelling with at least one parent or guardian on the same cruise booking who has received the vaccine.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

* _{If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.}

Emergency medical benefits*

Health services

• Hospital and physician services
• Paramedical services
• Emergency dental treatment

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Hospital allowance
• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Trip break without terminating coverage
• Terrorism coverage*

* _{If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.}

Emergency medical benefits*

Health services

• Hospital and physician services
• Paramedical services
• Emergency dental treatment

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return of excess baggage

Additional protection

• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Hospital allowance
• Return to original trip destination
• Trip break without terminating coverage
• Terrorism coverage*

* _{If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.}

Emergency medical benefits*

Health services

• Hospital and physician services
• Paramedical services
• Emergency dental treatment
• Hospital allowance

Transportation

• Ambulance
• Emergency medical return home
• Visit to bedside if travelling alone
• Return home of children in care of insured, travel companion, pet, vehicle
• Return to original trip destination
• Return of excess baggage

Additional protection

• Extra meal, hotel, child care and phone call costs
• Expenses related to death
• Hospital allowance
• Trip break without terminating coverage
• Terrorism coverage*

Trip cancellation/interruption insurance*

• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Business meeting cancelled
• Travel advisory issued by Canadian government
• Travel visa not issued
• Travel host hospitalization or death
• Missed connection

Baggage loss, damage & delay insurance

• Up to $100 for replacement of passport, driver's licence, birth certificate or travel visa
• Up to $500 for toiletries and clothing after luggage delay of at least 10 hours
• Up to $300/trip for any item or set of items to a maximum of $1,000

Flight & travel accident insurance

• $100,000 for a flight accident and $50,000 for a travel accident that results in the insured's death, blindness or double dismemberment within 365 days
• $50,000 for a flight accident and $25,000 for a travel accident that results in the insured's blindness in one eye or single dismemberment within 365 days
• Only one benefit payment (the largest applicable) per trip

* _{If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.}

Trip cancellation/interruption insurance*

• Reimburses prepaid, non-refundable, non-transferable portion of a trip cancelled or interrupted by – for example:
• Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
• Missed connection
• Business meeting cancelled
• Travel advisory issued by Canadian government
• Travel visa not issued
• Travel host hospitalization or death

* _{If the claim is a result of an act of terrorism, benefits may be limited. Other exclusions, limitations and conditions apply. See the policy for details.}