Yes. The policy contains important emergency contact information including phone numbers (your client will need in case of an emergency) and the terms, conditions, and exclusions of the policy.

Refunds are provided under the following circumstances:

During the ‘10 Day Right to Examine Period’

Travel Right Insurance Plans (TRIPs):

• A full refund is available within the first 10 days after the insured’s policy purchase date, provided they have not departed on their trip date and there is no claim in process.

Visitors to Canada Emergency Medical Travel Insurance plans (VTC):

• A full refund is available within the first 10 days after the insured’s policy purchase date, provided it is before their period of coverage.

Student Accident Plan (SAP):

• The insured may cancel this policy within 10 days of the date on the confirmation of coverage for a full refund if there is no claim in process.

After the ‘10 Day Right to Examine’ Period

• After the ‘10 Day Right to Examine’ period, a partial refund may be available for the TRIPs Emergency Medical Plan and Visitors to Canada Emergency Medical Insurance Plans only.
• For policies with trip cancellation, refunds will be considered if a supplier cancels or alters service and your client’s non-refundable prepaid travel arrangements insured by us are refunded by the tour operator without penalty.

A pre-existing condition is any disease, illness or injury, including symptoms of undiagnosed conditions, that exists before the effective date of the policy.

Please refer to the policy for complete details.

Yes, provided your client:

• Applies for the extension prior to the expiry of their original policy
• There are no claims pending or reported
• The extension does not exceed the maximum amount of days allowed within the plan chosen

The family rate applies to a single adult or couple travelling with at least one unmarried dependent child or grandchild who is:

• Under the age of 21
• Under 26 years of age if a full-time student, or
• Any age if mentally or physically handicapped

The family rate applies to Visitors to Canada Emergency Medical Insurance Plans, All Inclusive Plan, All Inclusive Canada Plan, Emergency Medical Plan, and the Annual Emergency Medical Plan.

If your client experiences a medical emergency, they must report the emergency to the Emergency Assistance Provider by calling 1-800-334-7787 (in Canada & US) and 905-667-0578 (elsewhere operator assisted collect call). The Emergency Assistance Provider will advise your client what to do next.

Important note: Your client, or someone on your client’s behalf, must contact the emergency assistance provider prior to admission or within 24 hours of a life or organ-threatening emergency. Failure to do so will result in your client being responsible for a specified percentage of any eligible expenses incurred.

Please see the policy wording for complete details.