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Travel Insurance

Your plan covers 100% up to a maximum of $5,000,000 per trip of medical expenses incurred as a result of a medical emergency arising while you are traveling outside Canada for vacation, business or education purposes. To qualify for benefits, you must be covered by the government health plan in your home province. For additional details on this benefit download your Global Medical Assistance Brochure.

Trip Cancellation
In the event that you must cancel your trip before the scheduled departure date, we will reimburse you up to an overall maximum of $1,500 for the forfeited, published, non-refundable trip payments or deposits incurred as a result of cancellation penalties for which no credits or refunds were issued by the supplier, when cancellation is due to:

• Medical Condition or Death of you or a member of your immediate family, or any injury or unforeseen illness occurring to you and a physician recommends in writing against travel, or the hospitalization as an inpatient of you or a member of your immediate family and the physical examination by a physician must take place on the earlier of, the 72 hours immediately prior to the time the cancellation is made or the scheduled departure date
• Pregnancy and Adoption if the pregnancy was diagnosed after booking the trip and the scheduled departure date falls within nine (9) weeks of the expected date of delivery, or the legal adoption of a child when the actual date the child is to be placed in your care occurs during the trip and this date was not known at the time of booking
• Terrorist Act committed by an organized terrorist group (recognized as such by the Canadian Government), occurs at the intended location of your trip within 30 days of your departure date
• Traffic Accident where you are directly involved while en route to a departure for a trip

Trip Interruption and Trip Delay
In the event that you must interrupt your trip due to the medical emergency or death of you or an immediate family member (whether or not they are travelling with you), or due to an act of terrorism committed by an organized terrorist group (recognized as such by the Canadian Government) occurring at your trip location, we will cover the cost, up to an overall maximum of $5,000 for one way economy fare on a commercial flight via the most cost effective route to return you to your city and province or territory of residence in Canada. This also includes your spouse and your dependent children when travelling with you and you have member plus dependent coverage. When interrupting your trip due to illness, the attending physician must recommend in writing that you should interrupt your trip and return home immediately.

We will cover the cost, up to an overall maximum of $5,000, for one way economy fare on a commercial flight via the most cost effective route if you are unable to return to your original scheduled flight due to the illness or injury of you or your immediate family member. The illness or accidental injury must require the care and attendance of a physician and the physician must recommend in writing that your return be delayed. In the event of an eligible trip interruption/delay we will also reimburse you for the reasonable and customary charges for Meals and Accommodation up to a total of $200 per day, to an overall maximum of $2,500 per trip for the cost of your commercial accommodation and meals (including the expenses of your dependents when accompanying you).

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