TRIP CANCELLATION and INTERRUPTION
About the coverage
Trip Cancellation and Interruption protects all your clients’ insured, prepaid and non-refundable travel expenses should any of the events on the list of insured risks affect them or their travel companion, requiring them to cancel, modify, extend or interrupt their planned trip.
Your clients can purchase Trip Interruption as a standalone if they do not wish to insure their travel expenses.
What is covered
The event that requires your clients or their travel companion to cancel, interrupt or modify their trip:
- Must be unknown on the effective date of coverage and at the time of each subsequent non-refundable payment made for the trip
- Must be beyond your clients’ control
- Must prevent your clients from travelling or continuing their trip
Trip Cancellation and Interruption covers 34 risks grouped under the following categories:
- Medical situation (illness, injury and quarantine)
- Death
- Primary residence and accommodation
- Transportation
- Pregnancy and adoption
- Work and education
- Law and government
- Pets
- Service dogs
- Weather conditions
- Travel provider default
The full details of all 34 insured risks are available in the insurance policy.
Option: Cancel for Any Reason
Your clients can purchase our Option: Cancel for Any Reason if they want to be covered for reasons that are not part of the 34 insured risks. When purchasing this option, your clients can get the following reimbursement:
- Up to age 74: 75% of their travel expenses, up to a maximum of $4,500.
- From 75 to 85: 50% of their travel expenses, up to a maximum of $4,500.
To be valid, the option must:
- Be purchased with Trip Cancellation and Interruption coverage, and
- Be purchased within 5 days of the purchase of the trip, or
- Any time before penalties start to apply
For a claim to be admissible, your clients must cancel their trip 24 hours before the scheduled departure date.
Benefits
| Cancellation before leaving for your trip | Interruption during your trip | |
| Benefits included in the coverage | ||
| Insured travel expenses | ✔ | |
| New occupancy charges | ✔ | |
| Unused portion of insured travel expenses | ✔ | |
| Additional transportation expenses | ✔ | |
| Subsistence allowance | ✔ | |
| Vehicle return expenses | ✔ | |
| Expenses for the return of final disposition of remains | ✔ |
Sales rules and other important information
Eligibility and stability requirements
Clients 55 and over must meet the eligibility requirements in order to purchase Emergency Medical Care coverage. Click here for more information about eligibility requirements.
A medical condition must be stable for 3 months before the effective date of the coverage if it is the cause for the cancellation, interruption or modification of the trip. Click here for more information about stability requirements.
Minimum and maximum coverage amounts
The minimum coverage amount under Trip Cancellation and Interruption is $100.
The maximum coverage amount under Trip Cancellation and Interruption is $25,000 on the Partner Space. You can send us a request for amounts up to $45,000 by filling a form and returning it to your local support team.
Different amounts of coverage on one contract
If your clients have paid different amounts for their trip but wish to be insured by the same contract, you must divide the total amount to be covered by the number of insured persons.
Example:
A family with 2 adults and 2 kids wishes to purchase Trip Cancellation and Interruption coverage. The trip cost $1,000 for each adult and $800 for each kid. You must divide the $3,600 total by four which will amount to $900 in Cancellation amount per person.
Claims
Your clients need to file a claim? Click here to get more information.
Limitations and exclusions
Trip Cancellation and Interruption coverage is subject to exclusions and limitations, including but not limited to:
- Known, foreseeable or ignored circumstances
- High-risk sports or activities
- Weather conditions
- Events for which no Canadian government travel advisory was published
- Illegal acts
When purchasing the Option: Cancel for Any Reason, most exclusions and limitations are lifted. However, Limitations 4, 5 and 7 and exclusions 16 to 19 still apply.
For all the details on Trip Cancellation and Interruption, including the full list of insured risks and exclusions, please refer to the insurance policy.