Definitions and covered events are slightly different under various Trip Cancellation & Interruption insurance policies. But basically, when you purchase Trip Cancellation & Interruption coverage, you'll protect the financial investment in your trip should an event like the following arise:
RISK
DETAILS
Health
• Sickness, injury, death or quarantine of you, a travel companion, an immediate family member, a travel companion’s immediate family member or a caregiver.
• Death or emergency hospitalization of a business partner, a key employee or a close friend occurring before the contracted departure date or during the covered trip.
• Death or emergency hospitalization of your host at trip destination.
Note. Pre-existing condition exclusion : Trip cancellation & Interruption insurance does not cover loss, expenses or benefits relating to any pre-existing condition affecting you or your travelling companion or the immediate family member, business partner, key employee, close friend, host at destination, unless the pre-existing condition was STABLE within a stability period (60, or 90, or 180 days) before the policy effective date or date of booking your trip (depending on the plan).
Pregnancy & Adoption
• Complications due to your, your spouse's or your immediate family member's pregnancy within the first 31 weeks, that prevents or interrupt your travel.
• Unexpected pregnancy occurring after booking a trip, which prevents your travel if the expected due date falls within 9 weeks of departure.
• You or your travelling companion being notified after booking your trip, that the actual date of a legal adoption of a child in scheduled to take place during your trip.
Employment & Occupation
• You or your travelling companion’s job transfer that results in the relocation of your or your travelling companion’s principal residence.
• Involuntary loss of your, your spouse’s, your travelling companion’s or your travelling companion’s spouse’s permanent employment not reasonably foreseeable at the time of booking your trip.
• A cancellation of a business meeting at your final destination beyond your or your employer’s control. Only the travel costs directly related to the business meeting will be reimbursed.
Legal
• You or your travelling companion being summoned to police, fire or military services (active or reserve).
• You or your travelling companion being subpoenaed, after the trip is booked or after the date this Insurance is purchased, whichever occurs later, for jury duty, as a witness, or required to appear at a court proceeding during the period of travel (excluding law enforcement officers).
• The non-issuance of your or your travelling companion’s travel or student visa (not including an immigration or employment visa) for reasons beyond your or your travelling companion’s control, provided you or your travelling companion were eligible to make such an application.
Government Advisory, Terrorism
• A Government of Canada Travel Advisory is issued during your trip or after the date your trip is booked or after the date this Insurance is purchased, whichever occurs later, advising Canadians to avoid all or non-essential travel to destination included in your trip.
• You or your travel companion experience a loss caused by terrorism that would be payable under one of the covered risks.
Delays, Schedule Changes & Misconnections
• Delay of a common carrier, or a private vehicle due to weather conditions, earthquakes, volcanic eruptions, a traffic accident, mechanical failure of the common carrier, or that private vehicle, a traffic accident, or an emergency police-directed road closure.
• A schedule change of the airline carrier that is providing transportation for a portion of your trip, causing you to miss a connection.
• You or your traveling companion miss a connection due to weather condition, a schedule change or a mechanical failure of the common carrier.
• Your cruise is cancelled prior to the departure of the cruise due to the mechanical failure, grounding, quarantine of the cruise ship, reposition of the ship due to weather conditions, earthquakes or volcanic eruptions.
Other
• You or your travel companion are unable to occupy your/their respective principal residence or to operate your/their respective business because of a natural disaster.
• You, your spouse, your travelling companion or your travel companion's spouse are quarantined or hijacked.
NOTE: Information above is for illustration purpose only. Covered risks and definitions may be slightly different with various insurance policies.
All benefits are subject to policy's maximums, exclusions, and limitations. Refer to the policy details on the coverage provided, conditions, exclusions, and limitations before proceeding with the purchase.
