COVID-19 is a foreseen or known event. If you are purchasing a new policy, certain coverages will not apply Please read the details here.

For Canadian residents, Travel insurance is provided through TRAVEL GUARD. See
description of coverage below.

In the event that you are not satisfied with your purchase, please visit the Complaint Resolution Policy https://www.travelguard.ca/complaint-resolution-policy for details.

Click here to read an important endorsement to your coverage

Quebec Residents click here to read the Fact Sheet and Product Summary 		 
Travel Insurance FAQs
 

  
For coverage questions or to request a claim form, call:
1.866.648.8425

For Emergency Assistance 24 hours a
day during your trip, Call:

Toll Free (Canada and Continental USA.)
1.866.648.8425
International (collect)
1.416.646.3723 
This plan is administered by Travel Guard Group Canada, INC.
 
Summary of Coverage

Travel Protection Plan - Schedule of Benefits

Coverage  Maximum Limit per Person 
Trip Cancellation Trip Cost up to a maximum of C$100,000
Trip Interruption Trip Cost up to a maximum of C$100,000
Trip Delay C$100
Baggage Delay C$100
Accidental Death & Dismemberment C$100,000
The following non-insurance services are provided by Travel Guard: 
Travel Medical Assistance
Worldwide Travel Assistance 


Optional Upgrade (Cannot be purchased separately)

Coverage  Maximum Limit per Person 
Baggage & Personal Effects C$250 (C$50 Deductible)
Medical Expense C$2,000 (C$50 Deductible)
Emergency Evacuation C$10,000
Flight Guard C$1,000,000


 
Q. Why should I buy the insurance plan?
Even the best-planned travel can be impacted by unforeseen sickness, delayed flights, lost passports or baggage delay, etc. Troubles can occur when you least expect them forcing you to cancel or interrupt your trip, lose your ticket investment, and incur unplanned expenses.
Q. For what reasons can I cancel or interrupt my trip?
Some examples of covered reasons for trip cancellation/interruption include: illness, injury or death of you; a family member or travelling companion; traffic accident en route to departure; a documented theft of passports or visas; terrorism; or your home made uninhabitable by natural disaster.
Q. What will I need to do if I must cancel my trip?
First, notify the airline that you are cancelling. Then call the booking web site insurance hotline to request a claim form. For questions about your coverage or to process your claim and status of your claim contact Travel Guard Group Canada, Inc. at (866) 648-8425 use Plan Code - 808483.
Q. What happens if my flight is delayed or cancelled?
The insurer will reimburse up to C$100 for reasonable additional expenses until travel becomes possible in case the trip is delayed 12 or more consecutive hours from the original departure time as a result of a cancellation or delay of a regularly scheduled airline flight. 
Q. Do I have coverage if my luggage does not arrive at my destination?
If your baggage is delayed for more than 24 hours upon your arrival at your vacation destination, this plan will provide coverage for the purchase of emergency essential items up to C$100.
Q. Does this plan cover Frequent Flyer Miles?
Frequent Flyer Miles are not covered under this plan. If you cancel your trip for a covered reason, you will only be reimbursed the non-refundable expenses actually paid for the trip.
Q. Are pre-existing medical conditions covered under this plan?
PRE-EXISTING MEDICAL CONDITION EXCLUSION:
Your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this Policy and the following exclusion:
We do not cover any loss or expense related directly or indirectly to within the 180-day period immediately preceding and including Your Departure Date:
  1. Your medical condition or any related condition has not been Stable and Controlled.
  2. heart condition:
    1. You have had any heart condition that has not been Stable and Controlled; or
    2. You have been required to use, take, or been prescribed to take nitro-glycerin in any form, more than once per a seven day period.
     
  3. lung condition:
    1. You have had any lung condition that has not been Stable and Controlled; or
    2. You required the use of home oxygen or had to take oral steroids; for example prednisone or prednisolone.
     

The following exclusions apply to Trip Cancellation and Trip Interruption:
  1. Your or Your Domestic Partner's medical condition or any related condition if in the 90-day period immediately preceding Your Risk Date that condition has not been Stable and Controlled;
  2. Your or Your Domestic Partner's heart condition if in the 90- day period immediately preceding Your Risk Date:
    1. that person has had any heart condition that has not been Stable and Controlled; or
    2. that person has been required to use, take, or been prescribed to take nitroglycerin in any form, more than once per a seven (7) day period.
     
  3. Your or Your Domestic partner's lung condition if in the 90- day period immediately preceding Your Risk date:
    1. that person has had any lung condition that has not been Stable and Controlled; or
    2. that person required the use of home oxygen or had to take oral steroids for example; prednisone or prenisolone.
     
 
Q. Is there coverage for a terrorist incident?
Yes, the insurance plan includes coverage for a terrorist incident in a City listed on Your itinerary within 30 days of scheduled arrival.