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TRIP CANCELLATION OR INTERRUPTION

Trip Cancellation or Interruption insurance covers non-refundable travel costs if your client must cancel or interrupt their stay unexpectedly.
Depending on their needs, your client can choose to insure:

  • All non-refundable travel expenses
  • A portion of their non-refundable travel expenses
  • No non-refundable travel expenses

 

The insured amount will appear on the “Trip Cancellation” line. If they have chosen not to insure their travel expenses, the amount indicated on that line will be $0.

What is covered

  The client has chosen to insure their travel expenses (fully or partially) The client has chosen not to insure their travel expenses
Benefits paid in the event of trip cancellation (BEFORE the trip)
Insured travel expenses Up to the amount insured  
New occupancy rates In proportion to the insured travel costs  
Benefits paid in the event of trip cancellation or interruption (DURING the trip)
Unused portion of insured travel expenses Proportionally, up to the amount insured  
Additional transportation costs Unlimited, the most economical Unlimited, the most economical
Expenses for the return or removal of remains Up to $10,000 Up to $10,000
Vehicle return expenses Up to $5,000 Up to $5,000
Subsistence allowance A maximum of $300 per day, up to a maximum of $3,000 A maximum of $300 per day, up to a maximum of $3,000

 

Covered situations

To be eligible, the accident, illness or event causing the cancellation or interruption of the trip must meet the following criteria:

  • Be fortuitous and unpredictable on the date the coverage takes effect and directly affect your client or travelling companion
  • Be out of the affected person’s control
  • Be serious enough to force them to cancel, interrupt, extend or modify the planned trip
  • Must not be included in the list of exclusions of coverage

A trip for which a travel credit has been refused by the client will not be eligible for a claim. In fact, we consider a travel credit as a refund, whether it is accepted by the client or not.

Optional Protection: Pandemic

The Optional Protection: Pandemic reimburses travel expenses normally not covered due to exclusion 18 (pandemic) applicable under the Trip Cancellation or Interruption coverage. The level of protection varies depending on whether or not a Canadian government travel advisory in relation to a pandemic is in effect on the date coverage takes effect.

To be valid, this optional protection must be purchased at the same time as the Trip Cancellation or Interruption coverage and within the following deadlines:

  • When travel expenses are insured: Within 5 days following the date of the first prepayment for the trip OR up to 45 days before departure
  • When travel expenses are not insured (trip interruption only): Up to the departure date
If no pandemic related travel advisory is in effect when the coverage becomes effective
  • Insured travel expenses: up to the insured amount
  • New occupancy charges: up to the insured amount
  • Unused portion of insured travel expenses: up to the insured amount
  • Expenses for the return or disposal of remains: up to $10,000
  • Vehicle return expenses: up to $5,000
  • Subsistence allowance: Up to $300 per day/ up to a maximum of $3,000 per person (no maximum per policy)
  • Additional transportation expenses: unlimited
If a pandemic related travel advisory
is in effect when the coverage becomes effective
  • Expenses incurred during a return delayed due to a pandemic
  • Meals and accommodation: Maximum of $250 per day, per insured person, up to $2,500 (max of $5,000 for all insured persons under the same contract)
  • Change of date or replacement of the original return ticket : Maximum of $500 per insured person (max of $1,000 for all insured persons under the same contract)

 

For all the details on what is covered as well as the coverage limitations, please refer to the insurance policy, pages 18-26.