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CONTRACT EXTENSION

If your clients 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

Extending a contract 

To be eligible, your clients 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.

Single-Trip plans 

  1. Under “Contracts”, find the Single-Trip Plan of your client 
  2. On the upper right corner, click on “Modify” 
  3. Modify the return date at the “Trip” stage 
  4. Complete the sales process, including the “Eligibility” stage when required 
  5. Take the payment for the extra coverage 

Multi-Trip Annual plans

Extension purchased at the same time as the Annual Multi-Trip plan: 

If your clients plan to have a longer trip when they purchase their Multi-Trip Annual plan, they can directly purchase an extension. 

  1. At the “Trip” stage, enter the dates for the trip requiring an extension. 
  2. At the “Coverage” stage select the Multi + Extension plan 
  3. If you client wishes for their Annual Multi-Trip Plan to start earlier, modify the start date in the field under the list of available coverage 

 

Extension purchased after the Multi-Trip Annual plan is bought: 

  1. Under “Contracts”, find the Multi-Trip Annual Plan of your clients 
  2. On the upper right corner, click on “New Opportunity” and follow the sales flow 
  3. At the “Coverage” stage, select the Single trip plan. The system will automatically credit your clients for the number of days held with their Multi-Trip Annual plan. 

 

You can sell extensions for Multi-Trip Annual plans before the departure date on the Partner Space. It is not possible to sell an extension on the Partner Space after the departure date. To extend coverage during the trip, contact us. 

Automatic extension of coverage

  • Up to 24 hours when the return to the place of residence is postponed due to a carrier delay, a traffic accident, or mechanical failure of the private vehicle used to return from the trip.
  • 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.