CheapOair.ca
Description of Coverage
Travel Services Protection Plan
This is a brief description of coverage, for more details click here. Please call 1.866.385.4839 for additional coverage questions. Your individual Policy will govern the final interpretation of any provision or claim.

Important: Keep this document and carry a copy with you when you travel. If you need to cancel your Trip, contact immediately the company you booked with to cancel your reservation.
 
Insurance FAQs
TravelGuard
For Coverage inquiries, requests or
Customer Service Call:

1.866.648.8425

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

Toll Free (Only in the U.S.)
1.866.878.0192
Collect Worldwide
416.646.3723
This plan is administered by Travel Guard Group Canada, INC.
 
 
Description of Coverage
Travel Protection Plan - Schedule of Benefits
All coverages are per person Maximum Limit
Trip Cancellation 100% of insured Trip Cost (maximum limit C$100,000)
Trip Interruption 100% of insured Trip Cost (maximum limit C$100,000)
Trip Delay (maximum of $100 per day) C$100
Baggage Delay C$100
Accidental Death & Dismemberment C$100,000
 
Optional Upgrade (Applicable only if appropriate additional plan cost has been paid.)
All coverages are per person Maximum Limit
Baggage & Personal Effects C$250 (C$50 Deductible)
Emergency Medical Expense C$2,000 (C$50 Deductible)
Emergency Evacuation and Repatriation of Remains C$10,000
Flight Guard C$1,000,000
BagTrak Included
The following non-insurance services are provided by Travel Guard.
Travel Medical Assistance
Worldwide Travel Assistance

Coverage is valid only if premium has been paid.
PRODUCT NUMBER: 808483 P1 01/11
In the event of a claim, please refer to the above Product Number.
 
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:

  • Your medical condition or any related condition has not been Stable and Controlled
  • 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.
  • 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.

Blanket Travel Accident Insurance
This document describes the benefits and basic provisions of the Policy. You should read it with care so You will understand the coverage. The Policy is the only contract under which benefits are paid. The Policy will contain reductions, limitation, exclusions and termination provisions. Full details of coverage are contained in the Policy.

For coverage questions or to request a claim form, call
Canada & Continental USA 1.866.648.8425,
International (collect) 1.416.646.3723.

Insurance Coverage
Underwritten by Chartis Insurance Company of Canada, 145 Wellington Street West, Toronto, Ontario, M5J 1H8. This Policy is administered on Our behalf by Travel Guard Canada Group, Inc. (Travel Guard Canada).

DEFINITIONS
(Capitalized terms within this Description of Coverage are defined herein.)

Accident/Accidental means a sudden, unexpected, unintended, unforeseeable, external event, occurring during an insured Trip, that independently of any other cause, results in Injury (or damage, if the context relates to property loss or damage).

Actual Cash Value means purchase price less depreciation.

Baggage means luggage, travel documents, and personal possessions whether owned, borrowed, or rented, taken by You on the Trip.

Business Partner means a person who:
  • is involved with You or Your Travelling Companion in a legal partnership; and
  • is actively involved in the daily management of the business.

Caregiver means an individual employed for the purpose of providing assistance with activities of daily living to You or to Your Family Member who has a physical or mental impairment. The Caregiver must be employed by You or Your Family Member. A Caregiver is not a babysitter; childcare service, facility or provider; or persons employed by any service, provider or facility to supply assisted living.

City means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.

Common Carrier means an air, land, or sea conveyance operated under a license for the transportation of passengers.

Complications of Pregnancy means conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

Confirmation of Insurance means Your most recent computer printout, printed form, electronic copy, invoice, or Policy document that sets out the plan You have purchased and any optional add on coverage, if any, You have chosen.

Departure Date means the date on which You are originally scheduled to leave on Your Trip. This date is specified in the travel documents.

Destination means any place where You expect to travel to on Your Trip.

Domestic Partner means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least six (6) months:
  • resides with You;
  • shares financial assets and obligations with You;
  • We may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.

Exotic Vehicle means Antique cars any vehicle with an original manufacturer’s suggested retail price greater than $50,000. Antique cars means cars that are over 20 years old or have not been manufactured for 10 or more years.

Experimental or Investigative means treatment, a device or prescription medication which is recommended by a Physician, but is not considered by the medical community as a whole to be safe and effective for the condition for which the treatment, device or prescription medication is being used. This includes any treatment, procedure, facility, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered.

Family Member means You or Your Travelling Companion’s spouse, Domestic Partner, child, daughter-in-law, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, stepbrother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, Caregiver, foster child, ward, or legal ward.

Felonious Assault means an act of violence against the Insured or a Travelling Companion requiring medical treatment in a Hospital.

Financial Default means the total cessation of operations due to insolvency, with or without the filing of a bankruptcy petition by a tour operator, cruise line, or airline.

Follow-up Treatment means treatment that continues beyond the initial emergency.

Government Health Insurance Plan (GHIP) means health insurance coverage that Canadian province or territorial governments provide for their residents.

Home Province means Your Canadian province or territory of residence.

Hospital means a facility that:
  • is operated according to law for the care and treatment of sick or Injured people;
  • has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;
  • has 24 hour nursing service by registered nurses (R.N.’s); and
  • is supervised by one or more Physicians available at all times.

A Hospital does not include:
  • a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care;
  • a facility that is, other than incidentally, a clinic, a rest home, nursing home, convalescent home, home health care, or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or
  • any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members or the armed forces.

Inaccessible means an Insured cannot reach his/her Destination by the original mode of transportation.

Initial Trip Payment means the first payment made to Your Travel Supplier toward the cost of Your Trip.

Injury/Injured means a bodily injury caused by an Accident occurring while Your coverage under the Policy is in force and resulting directly and independently of all other causes of Loss covered by the Policy. The injury must be verified by a Physician.

Insured means an Eligible Person for whom:
  • any required enrollment form has been completed;
  • any required plan cost has been paid;
  • while covered under the Policy.

Insurer means Chartis Insurance Company of Canada, 145 Wellington Street West, Toronto, Ontario, Canada, M5J 1H8. This Policy is administered on our behalf by Travel Guard Canada.

Loss means Injury or damage sustained by You as a consequence of one (1) or more of the events against which We have undertaken to compensate You.

Medically Necessary means that a treatment, service, or supply:
  • is essential for diagnosis, treatment, or care of the Injury or Sickness for which it is prescribed or performed;
  • meets generally accepted standards of medical practice;
  • is ordered by a Physician and performed under his/her care, supervision, or order; and
  • is not primarily for the convenience of You, Physician, other providers, or any other person.

Mental, Nervous or Psychological Disorder means a Mental or Nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis; or any related physical manifestation. Natural Disaster means a flood, hurricane, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes.

Necessary Personal Effects means items such as clothing and toiletry items, which were included in Your Baggage and are required for Your Trip.

Owned or Rented Vehicle means a self-propelled private passenger motor vehicle with four (4) or more wheels which is of a type both designed and required to be licensed for use on the highways of any state or country that is rented or owned by You. Owned or Rented Vehicle includes, but is not limited to, a sedan, station wagon, jeep-type vehicle pickup, van, camper or motor home type. Owned or Rented Vehicle does not include a mobile home or any motor vehicle which is used in mass or public transit.

Physician means a licensed practitioner of the healing arts including accredited Christian Science Practitioners, medical, surgical, or dental, services acting within the scope of his/her license. The treating Physician may not be You, a Travelling Companion, a Family Member, or a Business Partner.

Policy or Policies means this document, any riders or endorsements to this document, the application, any medical questionnaire if applicable, and the confirmation of insurance all of which form the entire contract.

Primary Residence means a person's fixed, permanent and principal home for legal and tax purposes.

Reasonable Additional Expenses means expenses for meals and lodging which were necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

Reasonable and Customary Charges means an expense which:
  • is charged for treatment, supplies, or medical services Medically Necessary to treat Your condition;
  • does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and
  • does not include charges that would not have been made if no insurance existed. In no event will the reasonable and customary charges exceed the actual amount charged.

Return Date means the date on which You are scheduled to return to the point where the Trip started or to a different specified Return Destination. This date is specified in the travel documents.

Return Destination means the place to which You expect to return from Your Trip.

Risk Date means the date in which You purchase this insurance plan for Your Trip.

Schedule means the Schedule of Benefits.

Sickness means an illness or disease diagnosed or treated by a Physician.

Stable and Controlled means any medical condition for which there has been no new treatment or newly prescribed medication; no change in treatment or change in prescribed medication; no new, more frequent or more severe symptom; no test results showing deterioration; no investigations initiated for symptoms whether or not Your diagnosis has been determined; no Hospitalization and no referral to a specialist.

Strike means a stoppage of work:
  • announced, organized, and sanctioned by a labor union; and
  • which interferes with the normal departure and arrival of a Common Carrier.

This includes work slowdowns and sickouts. Your Trip Cancellation coverage must be effective prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike.

Terrorist Incident means an act of violence, other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in Loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

Travel Supplier means the tour operator, rental company, cruise line, and/or airline that provides prepaid travel arrangements for Your Trip.

Travelling Companion means a person or persons with whom You have coordinated travel arrangements and intends to travel with during the Trip. A group or tour leader is not considered a Travelling Companion, unless Your are sharing room accommodations with the group or tour leader.

Trip means Your travel outside Your home province for which coverage under this policy has been purchased and is in effect. The purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined Departure and Return dates specified when You apply; the Trip does not exceed 180 days; travel is primarily by Common Carrier and only incidentally by private conveyance.

Trip Cost means the dollar amount of Trip payments or deposits reflected on any required enrollment form which are subject to cancellation penalties or restrictions paid by You prior to Your Trip Departure Date. Trip Cost will also include the cost of any subsequent pre-paid payments or deposits paid by You for the same Trip, after enrollment for coverage under this plan provided You amend Your enrollment form to add such subsequent payments or deposits and pays any required additional plan cost prior to Your Departure Date.

Unforeseen means not anticipated or expected and occurring after the effective date of the coverage.

Uninhabitable means
  • the building structure itself is unstable and there is a risk of collapse in whole or in part;
  • there is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood;
  • immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines; or the rental property is without electricity or water.

We, Us, Our means Chartis Insurance Company of Canada, 145 Wellington Street West, Toronto, On, M5J 1H8. This Policy is administered on our behalf by Travel Guard Canada.

You, Yourself, Your means the person named as the ‘primary traveller’ and/or one or more other person(s), if any, named as ’other travellers’ on the Confirmation of Insurance, each as the context requires.
 
Eligibility, Effective & Termination Dates
Eligibility
Travellers who enroll, accept and purchase coverage no later than 12 hours prior to departure.

Effective Date
After any required Enrollment Form is completed, Trip Cancellation coverage will be effective for an Insured at 12:01 a.m. Standard Time on the date following receipt by Us or Our authorized representative of any required plan cost.

All other coverages will begin on the later of
  • 12:01 a.m. Standard Time on the scheduled Departure Date shown on the travel documents; or
  • The date and time You start Your Trip, provided any required plan cost has been paid.

Termination Date
All coverage, other than Trip Cancellation, ends on the earlier of:
  • The date the Trip is completed;
  • The scheduled Return Date;
  • Your arrival at the Return Destination on a round Trip, or the Destination on a one-way Trip.

The Trip Cancellation coverage ends on the earliest of:
  • The cancellation of Your Trip; or
  • The date and time You start on Your Trip.

Extension of Coverage:
All coverage (except Trip Cancellation) will be extended, if:
  • Your entire Trip is covered by the plan; and
  • Your return is delayed by one (1) of the Unforeseen reasons specified under Trip Cancellation and Interruption or Trip Delay.

This extension of coverage will end on the earlier of:
  • the dateYour reaches Your Return Destination; or
  • seven (7) days after the date the Trip was scheduled to be completed.

Baggage Continuation of Coverage:
If Your Baggage, passports, and visas are in the charge of a charter or Common Carrier and delivery is delayed, coverage for Baggage and Personal Effects and travel documents will be extended until the Common Carrier delivers the property to You. This extension does not include Loss caused by the delay.
 
General Conditions
The coverage provided by this Policy shall be null and void for travel in, to, or through Cuba, because such travel is not serviced and supported by Our United States affiliates.
 
General Exclusions
This plan does not cover any loss caused by or resulting from:
  1. Intentionally self-inflicted Injury, suicide, or attempted suicide of Your, Your Family Member, Your Travelling Companion or Business Partner while sane or insane;
  2. Pregnancy, childbirth, or elective abortion, other than Complications of Pregnancy;
  3. Participation in professional athletic events, motor sport, or motor racing, including training or practice for the same;
  4. Mountaineering where ropes or guides are normally used. The ascent or descent of a mountain requiring the use of specialized equipment, including but not limited to pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring equipment;
  5. War or act of war, whether declared or not, civil disorder, riot, or insurrection;
  6. Operating or learning to operate any aircraft, as student, pilot, or crew;
  7. Air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
  8. Loss or damage caused by detention, confiscation, or destruction by customs;
  9. Any unlawful acts, committed by the Insured, a Family Member, or a Traveling Companion, or Business Partner whether insured or not;
  10. Alcohol or substance abuse or treatment for the same;
  11. Mental, Nervous or Psychological Disorder;
  12. If the Insured’s tickets do not contain specific travel dates (open tickets);
  13. Use of drugs, narcotics, or alcohol, unless administered upon the advice of a Physician;
  14. Any failure of a provider of travel related services (including any Travel Supplier) to provide the bargained-for travel services or to refund money due You;
  15. Experimental or Investigative treatment or procedures;
  16. Any loss that occurs at a time when this coverage is not in effect;
  17. Travelling for the purpose of securing medical treatment;
  18. Care or treatment which is not Medically Necessary;
  19. Any Trip taken outside the advice of a Physician;
  20. Financial Default; or
  21. Expenses incurred retailing to travel in, to, or through Cuba, because such travel is not serviced and supported by Our United States affiliates.

The following exclusions apply to Baggage/Personal Effects Loss:
Benefits will not be provided for any loss or damage to or resulting (in whole or in part) from:
  1. Animals, rodents, insects or vermin;
  2. Motor vehicles, aircraft, boats, boat motors, ATV’s and other conveyances;
  3. Artificial prosthetic devices, false teeth, any type of eyeglasses, sunglasses, contact lenses, or hearing aids;
  4. Tickets, keys, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, and other travel documents (except passports and visas);
  5. Tickets, keys, notes, securities, accounts, bills, currency, deeds, food stamps or other evidences of debt, credit cards, and other travel documents (except passports and visas);
  6. Money, stamps, stocks and bonds, postal or money orders;
  7. Property shipped as freight, or shipped prior to the Departure Date;
  8. Contraband, illegal transportation or trade;
  9. Items seized by any government, government official or customs official;
  10. Defective materials or craftsmanship;
  11. Normal wear and tear;
  12. Deterioration.

The following exclusions apply to Trip Cancellation and Trip Interruption:
Benefits will not be provided for any loss resulting (in whole or in part) from:
  1. Any cause if You or Your Travel Companion have knowledge at the time of booking each Trip or purchasing Your insurance of any reason why the Trip might be cancelled, interrupted or delayed.
  2. 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;
  3. 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.
  4. 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.
  5. The change in schedule of a medical test or surgery that was originally scheduled before Your Trip;
  6. Travel arrangements cancelled by an airline, cruise line, or tour operator, except as provided elsewhere in the plan;
  7. Changes by You, a Family Member, or Travelling Companion, for any reason;
  8. Financial circumstances of the Insured, a Family Member, or a Travelling Companion;
  9. Any government regulation or prohibition;
  10. Any business or contractual obligations of You, a Family Member, or Travelling Companion, for any reason;
  11. An event which occurs prior to Your coverage Effective Date;
  12. Failure of any tour operator, Common Carrier, person or agency to provide the bargained-for travel arrangements.

The following exclusions apply to the Medical Expense Benefit:
Benefits will not be provided for any loss resulting (in whole or in part) from:
  1. Expenses resulting from any Sickness, Injury or state of health prior to Your Departure Date that would cause expected medical treatment or Hospitalization during Your Trip;
  2. Any treatment that is not emergency treatment. For example (and not inclusive of):
    1. Expenses incurred for medication commonly available without prescription; vaccinations, injections or medication received on a preventative basis or for the maintenance of a medical condition; contraceptives; fertility medication; vitamin preparations; general physical examinations; routine medical tests/examinations or routine dental care;
    2. Transplants including but not limited to organ transplants or bone marrow transplants, artificial joints, or prosthetic devises/implants including any associated charges;
    3. Expenses incurred for acupuncture or naturopathic or holistic treatment;
  3. Ionizing radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuels, or, the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
  4. Expenses incurred for any portion of benefits that require prior authorization and arrangements by Us if such benefits were not authorized and arrange by us;
  5. Mental health care;
  6. Replacement of hearing aids, eye glasses, contact lenses, sunglasses and artificial teeth;
  7. Any service provided by You, a Family Member, or Travelling Companion or Travelling Companion of Family Member;
  8. The Follow-up Treatment, recurrence or complication of a medical condition or related condition, following emergency treatment of that condition during Your Trip if the medical department, and We, determine that You were medically able to return to Your Home Province and You chose not to return;
  9. The Follow-up Treatment of any heart or lung condition, following emergency treatment for a related or unrelated heart or lung condition during Your Trip if the medical department, and We, determine that You were medically able to return to Your Home Province and You chose not to return;
  10. Any medical condition, if Our medical department recommends that You return to Your country of residence following Your emergency treatment, and You choose not to travel;
  11. Expenses incurred for treatment or services that are prohibited under Your GHIP;
  12. Expenses in excess of reasonable and customary rates where treatment has occurred before You or someone on Your behalf has called Us;
  13. Any medical expense incurred while travelling in Your Home Province.

The following exclusion applies to Accidental Death AND Dismemberment:
  1. We will not pay for loss caused by or resulting from Sickness or disease of any kind.

The following exclusion applies to Flight Guard
  1. Sickness or disease whether the loss results directly or indirectly from any of these;
  2. Stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.
 
Trip Cancellation and/or Interruption
We will pay a benefit, up to the Maximum Limit shown on the Schedule, if You cancel Your Trip or are unable to continue on Your Trip due to the following Unforeseen events:
  • Sickness, Injury or death of an Insured, Family Member, Travelling Companion, or Business Partner:
    1. Injury or Sickness of You, Your Travelling Companion or Your Family Member travelling with You must be so disabling as to reasonably cause a Trip to be cancelled or interrupted, or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing Your continued participation in the Trip;
    2. if You must cancel or interrupt Your Trip due to Injury or Sickness of a Family Member not travelling with You, it must be because their condition is life threatening, as certified by a Physician or because they require Your care.
    3. Injury or Sickness of the Business Partner must be so disabling as to reasonably cause You to cancel or interrupt the Trip to assume daily management of the business. Such disability must be certified by a Physician;
  • Your Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary;
  • You or Your Travelling Companion being subpoenaed, required to serve on a jury, hijacked, or quarantined;
  • You and/or Your Travelling Companion is directly involved in or delayed due to an automobile Accident, while en route to the Insured’s Destination;
  • A Terrorist Incident in a City listed on Your itinerary within 30 days of Your scheduled arrival;
  • Strike resulting in complete cessation of travel services at the point of departure or Destination;
  • You or Your Travelling Companion is called to active military service or military leave is revoked;
  • You or Your Travelling Companion being the victim of a Felonious Assault within 10 days prior to the Departure Date. No coverage is provided for Felonious Assault committed by another Insured, Family Member, Travelling Companion or Travelling Companion’s Family Member;
  • A theft of passports, travel documents or visas specifically required for Your Trip substantiated by a police report.

Special Notification of Claim
You must notify Us as soon as reasonably possible in the event of a Trip Cancellation or Interruption claim. If Your are unable to provide cancellation notice within the required timeframe, You must provide proof of the circumstance that prevented timely notification.

Trip Cancellation Benefits:
We will reimburse You for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are cancelled prior to the scheduled departure for Your Trip due to the Unforeseen events shown above.

Trip Interruption Benefits:
We will reimburse Your up to the Maximum Limit shown on the Schedule for Trips that are interrupted due to the Unforeseen events shown above:
  • Forfeited, insured Trip Cost, or
  • Additional transportation expenses incurred by You, either:
    1. To the Return Destination; or
    2. from the place that You left the Trip to the place that You may rejoin the Trip; or additional transportation expenses incurred by You to reach the original Trip Destination if You are delayed, and leave after the Departure Date. However, the benefit payable under one (1) and two (2) above will not exceed the cost of economy airfare or the same class as Your original ticket less any refunds paid or payable by the most direct route.

Single Occupancy
We will reimburse You, up to the Trip Cancellation and Interruption Maximum Limit shown on the Schedule, for the additional cost incurred during the Trip as a result of a change in the per person occupancy rate for prepaid, non-refundable travel arrangements if a person booked to share accommodations with You has his/her Trip interrupted due to the Unforeseen events shown in the Trip Interruption section and You do not cancel.

 
Trip Delay
We will reimburse You up to the Maximum Limit(s) shown on the Schedule for Reasonable Additional Expenses until travel becomes possible if Your Trip is delayed 12 or more consecutive hours from reaching their intended Destination as a result of a cancellation or delay of a regularly scheduled airline flight for one (1) of the Unforeseen events listed below:
  • Common Carrier delay;
  • You or Your Travelling Companion’s lost or stolen passports, travel documents, or money;
  • Natural Disaster;
  • You or Your Travelling Companion is quarantined;
  • Injury or Sickness of Your or Your Travelling Companion.

This benefit is payable for only one (1) delay per Insured, per Trip. If You incur more than one (1) delay in the same Trip We will pay for the delay with the largest benefit up to the Maximum Limits shown on the Schedule.

Incurred expenses must be accompanied by original receipts;

The Insured Must: Contact Us as soon as You know Your Trip is going to be delayed more than 12 hours.

 
Baggage Delay

If Your Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, We will reimburse You up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by original receipts. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination.

 
Baggage & Personal Effects Loss

Our Baggage & Personal Effects coverage is available when You purchase the Optional Upgrade. We will reimburse You, up to the Maximum Limit shown in the Schedule subject to the special limitations shown below, for loss, theft or damage to Your Baggage, personal effects, passports, travel documents, credit cards and visas during Your Trip.

Special Limitations:
We will not pay more than:
• $250 for the first item; and
• $250 aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, and other electronic devices, including but not limited to: portable personal computers, cellular phones, electronic organizers and portable CD players.

Items over $150 must be accompanied by original receipts.

We will pay the lesser of:
  1. The cash value (original cash value less depreciation) as determined by Us; or,
  2. The cost of replacement.

We may take all or part of the damaged Baggage at the appraised or agreed value. In the event of a Loss to a pair or set of items, We may at Our option:
  1. Repair or replace any part to restore the pair or set to its value before the loss; or
  2. Pay the difference between the value of the property before and after the loss.

We will only pay for loss due to unauthorized use of Your credit cards if You have complied with all requirements imposed by the issuing credit card companies.

 
Medical Expense Benefit

Our Medical Expense coverage is available when you purchase the Optional Upgrade. We will reimburse You up to the Maximum Limit(s) shown on the Schedule if, while on a Trip, You suffer an Injury or a Sickness that requires You to be treated by a Physician during the course of the Trip. The Sickness or Injury must first manifest itself during the course of the Trip. We will pay the Reasonable and Customary Charges incurred for Medically Necessary Covered Expenses received due to that Injury or Sickness only during Your Trip provided initial treatment was received during the Trip. The Injury must occur or Sickness must begin while You are covered by the Policy.

Covered Expenses:
We will pay for:
• Services of a Physician or Registered Nurse (R.N.);
• Hospital charges;
• X-ray(s);
• Local ambulance services to or from a Hospital;
• Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices;
• The cost of emergency dental treatment only during a Trip. Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after You have reached Your Return Destination, regardless of the reason. The treatment must be given by a Physician or dentist.

 
Emergency Evacuation & Repatriation of Remains
We will pay for Covered Emergency Evacuation Expenses incurred if You suffer an Injury or Sickness while You are on a Trip that warrants Your Emergency Evacuation. Benefits payable are subject to the Maximum Limit shown on the Schedule for all Emergency Evacuations due to all Injuries from the same accident or all Sicknesses from the same or related causes.

Covered Emergency Evacuation Expenses are the Reasonable and Customary Expenses for necessary Transportation, related medical services and medical supplies incurred in connection with Your Emergency Evacuation. All Transportation arrangements made for evacuating You must be by the most direct and economical route possible. Expenses for Transportation must be:
  • Ordered by the attending Physician who must certify that the severity of Your Injury or Sickness warrants Your Emergency Evacuation and adequate medical treatment is not locally available;
  • Required by the standard regulations of the conveyance transporting You; and
  • Authorized in advance by Us. In the event Your Injury or Sickness prevents prior authorization of the Emergency Evacuation, Travel Guard (1.866.878.0192 or collect 1.416.646.3723) must be notified as soon as reasonably possible.
Special Limitation:
In the event We could not be contacted to arrange for emergency Transportation, benefits are limited to the amount We would have paid had We or their authorized representative been contacted.

We will also pay a benefit for Reasonable and Customary Charges incurred for an escort’s transportation and accommodations if an attending Physician recommends in writing that an escort accompany the Insured.

Emergency Evacuation means:
  • Your medical condition warrants immediate Transportation from the place where Your are injured or sick to the nearest adequate licensed medical facility within Your Home Province;
  • After being treated at a local licensed medical facility, Your medical condition warrants Transportation to Your Home Province, to obtain further medical treatment or to recover; or
  • Both (a) and (b) above.

LIMITATIONS:
  • Benefits are only available under Emergency Evacuation if they are not provided under another coverage in the plan.
  • The Maximum Limit payable for both Emergency Evacuation and Repatriation of Remains is shown in the Schedule.

REPATRIATION OF REMAINS
We will pay Repatriation Covered Expenses up to the Maximum Limit shown on the Schedule to return Your body to city of burial if You die during the Trip. .

Repatriation Covered Expenses include, but are limited to, the reasonable and customary expenses for transportation, according to airline tariffs, of the remains by the most direct and economical conveyance and route possible.
We must make all arrangements and authorize all expenses in advance for this benefit to be payable.

Special Limitation:
In the event We or Our authorized representative could not be contacted to arrange for Repatriation Covered Expenses, benefits are limited to the amount We would have paid had We or their authorized representation been contacted.

 
Accidental Death and Dismemberment

If, while on a Trip, Injury to You results within 180 days of the date of the Accident which caused Injury, in one (1) of the losses shown in the Table of Losses below, other than while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot, We will pay the percentage shown below of the Maximum Limit shown in the Schedule. The Accident must occur while You are on the Trip and are covered under the Policy. If more than one (1) Loss is sustained by You as a result of the same Accident, only one (1) amount, the largest applicable to the Losses incurred, will be paid. We will not pay more than 100% of the Maximum Limit for all Losses due to the same Accident.

Table of Losses
Loss of % of Maximum Limit
Life 100%
Both Hands or Both Feet 100%
Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Either Hand or Foot 50%
Sight of One Eye 50%

Loss with regard to:
a. hand or foot means actual severance through or above the wrist or ankle joints;
b. eye means entire and irrecoverable Loss of sight in that eye.

Exposure
We will pay a benefit for covered losses as specified above which result from You being unavoidably exposed to the elements due to an Accidental Injury during the Trip. The Loss must occur within 180 days after the event which caused the exposure.

Disappearance
We will pay a benefit for loss of life as specified above if Your body cannot be located one (1) year after disappearance due to an Accidental Injury during the Trip.

 
Flight Guard

Our Flight Guard coverage is available when You purchase the Optional Upgrade. We will pay this benefit if You are Injured while riding as a passenger in or boarding or alighting from or struck or run down by a certified passenger aircraft provided by a regularly scheduled airline or charter and operated by a properly certified pilot. We will pay up to the Maximum Limit shown in the Schedule for Loss of life, both hands or feet, sight of both eyes, or Loss of one (1) hand or foot and the sight of one (1) eye when such double losses are the result of the same accident. One-half of the benefit is payable for the Loss of one (1) hand or foot or the sight of one (1) eye. If You suffer more than one (1) Loss from an accident, We will pay only for the Loss with the larger benefit. Loss of hand or foot means complete severance at or above the wrist or ankle joint. We will not pay more than 100% of the Maximum Limit for all losses due to the same accident. Loss of sight of an eye means complete and irrecoverable Loss of sight.
Loss must occur within 365 days of the accident.

EXPOSURE
We will pay a benefit for covered Losses as specified above which result from Your being unavoidably exposed to the elements due to an accidental Injury during the Trip. The Loss must occur within 365 days after the event which caused the exposure.

DISAPPEARANCE
We will pay a benefit for Loss of life as specified above if an Insured’s body cannot be located one (1) year after disappearance due to an accidental Injury during the Trip.

 
Payment of Claims

Claim Procedures: Notice of Claim:
By paying the premium for this insurance, You agree that:

  • We may verify Your health card number and other information required to process Your claim, with government and other authorities;
  • Physicians, Hospitals and other medical providers are authorized by You to provide to Us any and all information they have regarding You, while under observation or treatment, including Your medical history, diagnoses and test results; and
  • We may disclose the information available under one (1) and two (2) above and from other sources to such other persons, as may be required for the purposes of providing assistance about or processing Your claim for benefits.
  • If making a claim, You must notify Us as soon as possible in order for Us to provide You with a claim form specific to Your Loss. Failure to do this could invalidate Your claim. You have 90 days from Your Return Date to file Your claim with Us. To report a claim or to request a claim form call 1- 866-878- 0191. Failure to complete the required claim and authorization form in full will delay the processing of and could invalidate Your claim. All claim information should be sent to:

Travel Guard
Attn: Claims Department
145 Wellington Street West,
Toronto, ON M5J 1H8

Claim Procedures: Proof of Loss:
The claim forms must be sent back to Us no more than 90 days after a covered Loss occurs or ends, or as soon after that as is reasonably possible. All claims under the Policy 13 must be submitted to Us no later than one (1) year after the date of Loss or insured occurrence or as soon as reasonably possible. If We have not provided claim forms within 15 days after the notice of claim, other proofs of Loss should be sent to Us by the date claim forms would be due. The proof of Loss should include written proof of the occurrence, type and amount of Loss, Your name, the participating organization name, and the product number.

Payment of Claims: To Whom Paid:
Benefits are payable to Your for coverage and paid any required plan cost. Any benefits payable due to Your death will be paid to the survivors of the first surviving class of those that follow:

  1. the Beneficiary named by that Insured and on file with us,
  2. Your spouse, if living. If no living spouse, then
  3. To Your estate.

If a benefit is payable to a minor or other person who is incapable of giving a valid release, We may pay up to $3,000 to a relative by blood or connection by marriage who has assumed care or custody of the minor or responsibility for the incompetent person’s affairs. Any payment We make in good faith fully discharges Us to the extent of that payment.

Benefits for Medical Expense/Emergency Evacuation services will be payable directly to the provider of the services. However, the provider:
  1. Must comply with the statutory provision for direct payment, and
  2. Must not have been paid from any other sources.

Medical Expense Payment of Loss:
  • All original medical bills and reports for medical expenses claimed; and
  • A signed patient authorization to release medical information to Us.

Trip Cancellation and Trip Interruption Payment of Loss:
You must provide Us with documentation of the cancellation or interruption and proof of the expenses incurred. You must provide proof of payment for the Trip such as cancelled cheque or credit card statements, proof of refunds received, copies of applicable tour operator or Common Carrier cancellation policies, and any other information reasonably required to prove the Loss. Claims involving Loss due to Sickness, Injury, or death require signed patient (or next of kin) authorization to release medical information and an attending Physician’s statement. You must provide Us with all unused air, rail, cruise, or other tickets if You are claiming the value of those unused tickets.

Baggage and Personal Effects Loss Payment of Loss:
You must:
  • Report theft Losses to police or other local authorities as soon as possible;
  • Take reasonable steps to protect Your Baggage from further damage and make necessary and reasonable temporary repairs; (We will reimburse You for those expenses. We will not pay for further damage if You fail to protect Your Baggage);
  • Allow Us to examine the damaged Baggage and/or We may require the damaged item to be sent in the event of payment;
  • Send sworn proof of Loss as soon as possible from date of Loss, providing amount of Loss, date, time, and cause of Loss, and a complete list of damaged/lost items; or
  • In the event of theft or unauthorized use of Your credit cards, You must notify the credit card company immediately to prevent further unlawful activity.

Baggage Delay Payment of Loss:
You must provide documentation of the delay or misdirection of Baggage by the Common Carrier and original receipts for the Necessary Personal Effects purchases.

The following provisions apply to Baggage Delay and Baggage/Personal Effects Loss:
Notice of Loss. If Your property covered under the Policy is lost or damaged, You must:
  • notify Us as soon as possible;
  • take immediate steps to protect, save and/or recover the covered property;
  • give immediate notice to the carrier or bailee who is or may be liable for the loss or damage;
  • notify the police or other authority in the case of robbery or theft within 24 hours.


Proof of Loss. You must furnish Us with proof of Loss. Proof of Loss includes police or other local authority reports or documentation from the appropriate party responsible for the Loss. It must be filed within 90 days from the date of loss. Failure to comply with these conditions shall not invalidate any claims under the Policy.

Settlement of Loss. Claims for damage and/or destruction shall be paid immediately after proof of the damage and/or destruction is presented to Us. Claims for lost property will be paid after the lapse of a 14 reasonable time if the property has not been recovered. You must present acceptable proof of loss and the value.

Valuation. We will not pay more than the Actual Cash Value of the property at the time of Loss. At no time will payment exceed what it would cost to repair or replace the property with material of like kind and quality.

Disagreement Over Size of Loss. If there is a disagreement about the amount of the Loss either We or You can make a written demand for an appraisal. After the demand, Us and the Insured each select their own competent appraiser. After examining the facts, each of the two (2) appraisers will give an opinion on the amount of the Loss. If they do not agree, they will select an arbitrator. Any figure agreed to by two (2) of the three (3) (the appraisers and the arbitrator) will be binding. The appraiser selected by You is paid by You. We will pay the appraiser it chooses. You will share with Us the cost for the arbitrator and the appraisal process.

Benefit to Bailee. This insurance will in no way inure directly or indirectly to the benefit of any carrier or other bailee.

The following provision applies to Medical Expense, Baggage/Personal Effects Loss, Emergency Evacuation and Repatriation of Remains:
Subrogation.
To the extent We pay for a Loss suffered by You, We will take over the rights and remedies You had relating to the Loss. This is known as subrogation. You must help Us preserve Our rights against those responsible for its Loss. This may involve signing any papers and taking any other steps We may reasonably require. If We take over Your rights, You must sign an appropriate subrogation form supplied by Us.

As a condition to receiving the applicable benefits listed above, as they pertain to this Subrogation provision, You agrees, except as may be limited or prohibited by applicable law, to reimburse Us for any such benefits paid to or on behalf of You, if such benefits are recovered, in any form, from any Third Party or Coverage. We do not subrogate against any retiree plan benefit if the lifetime maximum limits for all incountry and out-of-country benefits is $50,000 or less.

 
DEFINITIONS (Capitalized terms within this Description of Coverage are defined herein.)
Actual Cash Value” means purchase price less depreciation.

Baggage” means luggage, and personal possessions, whether owned, borrowed, or rented, taken by the Insured on the Trip.

Business Partner” means a person who:
(1) Is involved with the Insured or the Insured’s Traveling Companion in a legal partnership; and
(2) Is actively involved in the daily management of the business.

City means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.

Common Carrier” means a conveyance operated under a license for the transportation of passengers for hire.

Complications of Pregnancy means conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

Covered Trips” means any scheduled Trips for which the Insured requests coverage and remits any required plan cost.

Departure Date” means the date on which the Insured is originally scheduled to leave on his/her Trip. This date is specified in the travel documents.

Destination” means any place where the Insured expects to travel to on his/her Trip as shown on the Enrollment Form.

Domestic Partner” means an opposite or a same-sex partner who is at least 18 years of age and has met all of the following requirements for at least 6 months:
(1) Resides with the Insured;
(2) Shares financial assets and obligations with the Insured; The Insurer may require proof of the Domestic Partner relationship in the form of a signed and completed Affidavit of Domestic Partnership.

Eligible Person” means a person who is a member of an eligible class of persons as described in the Description of Eligible Persons section of the Master Application.

Experimental or Investigative” means treatment, a device or prescription medication which is recommended by a Physician, but is not considered by the medical community as a whole to be safe and effective for the condition for which the treatment, device or prescription medication is being used. This includes any treatment, procedure, facility, equipment, drugs, drug usage, devices, or supplies not recognized as accepted medical practice, and any of those items requiring federal or other governmental agency approval not received at the time services are rendered.

Family Member” means the Insured’s, or Traveling Companion’s spouse, Domestic Partner, Child, daughter-inlaw, son-in-law, brother, sister, mother, father, grandparents, grandchild, step-child, step-brother, step-sister, step-parents, parents-in-law, brother-in-law, sister-in-law, aunt, uncle, niece, nephew, legal guardian, or legal ward.

Felonious Assault means an act of violence against the Insured or a Traveling Companion requiring medical treatment in a Hospital.

Hospital” means a facility that:
(1) Is operated according to law for the care and treatment of sick or Injured people;
(2) Has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;
(3) Has 24 hour nursing service by registered nurses (R.N.’s); and
(4) Is supervised by one or more Physicians available at all times.

A Hospital does not include:
(1) A nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care;
(2) A facility that is, other than incidentally, a clinic, a rest home, nursing home, convalescent home, home health care, or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or
(3) Any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members or the armed forces.

Injury/Injured” means a bodily injury caused by an accident occurring while the Insured’s coverage under the Policy is in force, and resulting directly and independently of all other causes of Loss covered by the Policy. The injury must be verified by a Physician.

“Insured“ means an Eligible Person for whom:
  • Any required enrollment form has been completed;
  • Any required plan cost has been paid;
  • A Trip is scheduled; and
  • While covered under the Policy

Insurer” means National Union Fire Insurance Company of Pittsburgh, PA.

Loss” means injury or damage sustained by the Insured as a consequence of one or more of the events against which the Insurer has undertaken to compensate the Insured.

Mental, Nervous or Psychological Disorder” means a mental or nervous health condition including, but not limited to: anxiety, depression, neurosis, phobia, psychosis; or any related physical manifestation.

Natural Disaster” means a flood, hurricane, tornado, earthquake, fire or blizzard that is due to natural causes.

Necessary Personal Effects” means items such as clothing and toiletry items, which were included in the Insured’s Baggage and are required for the Insured’s Trip.

Physician” means a licensed practitioner of the healing arts including accredited Christian Science Practitioners, medical, surgical, or dental services acting within the scope of his/her license. The treating Physician may not be the Insured, a Traveling Companion, a Family Member or a Business Partner.

"Primary Residence” means a person's fixed, permanent and principal home for legal and tax purposes.

Reasonable Additional Expenses” means expenses for meals and lodging which were necessarily incurred as the result of a Trip Delay and which are not provided by the Common Carrier or any other party free of charge.

Return Date” means the date on which the Insured is scheduled to return to the point where the Trip started or to a different specified Return Destination.

Return Destination” means the place to which the Insured expects to return from his/her Trip as shown in Enrollment Form.

Schedule” means the Schedule of Benefits.

Sickness” means an illness or disease diagnosed or treated by Physician.

Strike” means a stoppage of work:
  1. Announced, organized, and sanctioned by a labor union and
  2. Which interferes with the normal departure and arrival of a Common Carrier.

This includes work slowdowns and sickouts. The Insured’s Trip cancellation coverage must be effective prior to when the Strike is foreseeable. A Strike is foreseeable on the date labor union members vote to approve a Strike.

Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in Loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.

Travel Supplier” means the tour operator, Hotel, cruise line, and/or airline that provides pre-paid travel arrangements for the Insured’s Trip.

Traveling Companion” means a person or persons with whom the Insured has coordinated travel arrangements and intend to travel with during the Trip.

Trip” means a period of round-Trip travel away from home to a Destination outside the Insured’s City of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined Departure and Return dates specified when the Insured applies; the Trip does not exceed 180 days; travel is primarily by Common Carrier and only incidentally by private conveyance.

Trip Cost” means the dollar amount of Trip payments or deposits reflected on any required enrollment form which are subject to cancellation penalties or restrictions paid by the Insured prior the Insured’s Trip Departure Date. Trip Cost will also include the cost of any subsequent pre-paid payments or deposits paid by the Insured for the same Trip, after enrollment for coverage under this plan provided the Insured amends their enrollment form to add such subsequent payments or deposits and pays any required additional plan cost prior to the Insured’s Departure Date.

Unforeseen” means not anticipated or expected and occurring after the effective date of coverage.

Uninhabitable” means
  1. The building structure itself is unstable and there is a risk of collapse in whole or in part;
  2. There is exterior or structural damage allowing elemental intrusion, such as rain, wind, hail or flood;
  3. Immediate safety hazards have yet to be cleared, such as debris on roofs or downed electrical lines; or
  4. The rental property is without electricity or water.
 
General Provisions

Physical Examination and Autopsy. At Our own expense have the right and opportunity to examine the person of any individual whose loss is the basis of claim under the Policy when and as often as it may reasonably require during the pendency of the claim and to make an autopsy in case of death where it is not forbidden by law.

Beneficiary Designation and Change. Your beneficiary(ies) is (are) the person(s) designated by You and on file with Us. If You are over the age of majority and legally competent You may change Your beneficiary designation at any time, unless an irrevocable designation has been made, without the consent of the designated beneficiary(ies), by providing Us with a written request for change. When the request is received, whether Your are then living or not, the change of beneficiary will relate back to and take effect as of the date of execution of the written request, but without prejudice to Us on account of any payment made by it prior to receipt of the request.

Assignment. You may not assign any of Your rights, privileges or benefits under the Policy.

Misstatement of Age. If premiums for You are based on age and You have misstated Your age, there will be a fair adjustment of premiums based on Your true age. If the benefits for which Your are insured are based on age and You have misstated Your age, there will be an adjustment of said benefit based on Your true age. We may require satisfactory proof of age before paying any claim.

Legal Actions. No action at law or in equity may be brought to recover on the Policy prior to the expiration of 60 days after written proof of Loss has been furnished in accordance with the requirements of the Policy. No such action may be brought after the expiration of three (3) years after the time written proof of Loss is required to be furnished.

Payment of Premium: Coverage is not effective unless all premium due has been paid prior to Your Departure Date.

Concealment or Fraud: We do not provide coverage if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to the Policy or claim.

Payment of Premium: Coverage is not effective unless all premium due has been paid to Travel Guard prior to a date of Loss or insured occurrence.

Termination of the Policy: Termination of the Policy will not affect a claim for Loss which occurs while the Policy is in force.

Transfer of Coverage: Coverage under the Policy cannot be transferred by You to anyone else.

 
Travel Guard Assist

All Assistance Services listed below are not insurance benefits and are not provided by Us.

Travel Medical Assistance
• Emergency medical transportation assistance
• Physician/Hospital/dental/vision referrals
• Assistance with Repatriation of mortal remains
• Return travel arrangements
• Assistance with Emergency prescription replacement
• Medical evacuation quote
• In-patient and out-patient medical case management
• Qualified liaison for relaying medical information to family members
• Eyeglasses and corrective lens replacement assistance
• Shipment of medical records
• Assistance with Medical equipment rental/replacement

Worldwide Travel Assistances
• Lost passport/travel documents assistance
• ATM locator
• Emergency cash transfer assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance
• Urgent message relay to family, friends or business associates
• Up-to-the-minute travel delay reports
• Long-distance calling cards for worldwide telephoning
• Inoculation information
• Embassy or Consulate Referral
• Currency Conversion or purchase
• Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures
• Up-to-the-minute travel supplier Strike information
• Legal referrals/bail bond assistance
• Worldwide public holiday information

24-Hour Emergency Assistance Telephone Numbers
Canada and Continental USA ................... 1.866.878.0192
International (collect) .................................... 416.646.3723
Be sure to use the appropriate country and city codes when calling.
- KEEP THESE NUMBERS WITH YOU WHEN YOU TRAVEL –