PREMIUM
The minimum premium is $25 per contract, before taxes. The total amount of the premium must be paid before the departure date.
The premium is calculated based on the following:
- Age of the person to be insured at the time of purchase of the contract
- Duration of the trip (or maximum trip duration)
- Plan chosen and coverages included
- Amount of coverage chosen, if applicable
- Answers provided in the health declaration, if applicable
- Deductible amount, if applicable
Health Declaration
In some cases, a health declaration is necessary to assess the state of health and the lifestyle of the person to be insured and allow us to adjust the premium according to the level of risk established.
| Age | Health declaration |
| 54 and under | Fixed premium, no health declaration |
| 55 to 59, 17 days and less | |
| 55 to 59, 18 days and over | Premium adjusted according to your client’s health |
| 60 and over |
If a trip extension requires that a new contract with a health declaration be issued, the premium calculation and the exclusions will be based on the answers provided at the time of purchase of the extension.