EFFECTIVE DATE OF COVERAGE

Each coverage has different rules regarding their effective date, as well as the termination date of coverage.

Coverage	Effective date
Emergency Medical Care and Emergency Medical Care in Canada	The coverage becomes effective on the latest of the following dates: The effective date of the contract indicated on the insurance certificate The departure date of the trip
Trip Cancellation or Interruption	Insured travel expenses When a prepayment has been made, the coverage becomes effective on the date the contract is purchased. When the purchase date of the contract is earlier than that of a prepayment, the coverage becomes effective on the date of your first prepayment for this trip. Under the Annual, the coverage takes effect on the date the contract is purchased when the first prepayment has already been made for a given trip. For any trip booked after the contract purchase date, the coverage takes effect on the date of the first prepayment for that trip. Uninsured travel expenses The coverage becomes effective on the departure date of the trip
Accidental Death or Dismemberment	The coverage becomes effective on the latest of the following dates: The effective date of the contract indicated on the insurance certificate The departure date of the trip
Baggage	The coverage becomes effective on the latest of the following dates: The effective date of the contract indicated on the insurance certificate The departure date of the trip

Termination date

The termination date of the coverage corresponds to the expiry date of the contract indicated on the insurance certificate.

If your client’s return takes place before the contract expiry date, the termination date becomes the return date of the trip, whether the return is scheduled or premature (with the exception of the Trip break).

For Emergency Medical Care in Canada, leaving the country during the period of coverage renders the coverage invalid in its entirety.