If your client would like to spend more time on their trip beyond the initial coverage period, it is important that they contact you to extend their contract.

Contract Validity

To be valid, the contract must cover the whole duration of the trip, including the departure and return dates (except when we deny the extension request).
The extension must be requested on the last day of the trip at the latest.
All the coverages in the initial contract must be extended

How to extend a contract?

To extend a contract, click on the Extension tab on the home page of the sales portal.

To be eligible, your client must meet the following criteria:

They must still be eligible for insurance.
Their state of health must not have changed since the date of departure.
The additional premium must be paid.

Automatic extension of coverage

When the return to the place of residence is postponed, all coverage are automatically extended free of charge:

Up to 24 hours due to a transportation delay beyond the control of the insured person.
For the duration of the hospitalization and the 24 hours following the discharge of the insured person from the hospital.
Up to 72 hours due to an illness that requires emergency medical care and that began within 24 hours of the expected return date.
For the period the insured person is restricted from boarding and the following 24-hour period when the return to their place of residence is postponed due to a diagnosis, a positive screening test or contact tracing in relation to a pandemic. Does not apply to Top-Up and Visitors to Canada insurance.

Insurer approval

The sale of the extension is conditional on our approval. The extension could be refused if:

Your client has a claim for the initial period of the current trip, whether it has already been submitted or not.
The Canadian government issues an advisory not to travel to the region or country that is the travel destination.
The Canadian or provincial government recommends that travellers return home.

When the extension is refused by the insurer, coverage ends on the contract expiry date shown on the insurance certificate or at the end of the maximum trip duration for the Annual contract.