A change in your travel plans caused by a personal emergency or bad weather may not be avoidable. Losing the cost of your trip is.
Coverage highlights - Annual Trip Cancellation & Trip Interruption Multi-Trip Plan:
- Trip Cancellation – up to a maximum of $12,000 per insured person, per trip for any number of trips.
- Trip Interruption – up to a maximum of $12,000 per insured person, per trip for any number of trips.
- Baggage and Personal Effects – up to a maximum of $1,500 per person, per trip to a maximum $3,000 per family.
- Document Replacement – up to a maximum of $200.
- Up to $400 per person to a maximum of $1,000 per family for the purchase of necessities.
Pre-Existing Medical Conditions*:
- Pre-existing medical conditions may affect your coverage under this plan. A pre-existing medical condition can be covered if it has been stable for 90 days prior to the date of purchase of your travel arrangements.
- This travel insurance has an additional feature which automatically provides for the issuance of a new policy upon the expiry date of this policy. This new policy is issued for a period of 365 days commencing on the effective date (September 1) based on your previous policy year’s plan. Coverage under the new policy will begin on the effective date of the new policy (immediately following expiration of the previous policy), unless you provide notice of termination to the Administrator within 60 days from the first premium deduction for that policy year.
*Note: The above applies to the following persons: you, an immediate family member, a travel companion, a travel companion’s immediate family member, a business associate, a close friend and/or your host at destination. Stable1 means any medical condition or related condition (including any heart condition and/or lung condition), other than a minor ailment, for which all of the following statements are true:
there has been no new diagnosis, new treatment or new prescribed medication;
there has been no change in treatment or change in prescribed medication (including the amount of medication to be taken, how often it is to be taken, the type of medication or changes in treatment frequency or type**);
**Exception: i) the routine adjustment of Coumadin or Warfarin, insulin or oral medications to control diabetes, (as long as it is not newly prescribed or stopped); or ii) a change from a brand name medication to a generic brand medication (provided the dosage is not modified);
there has been no new symptom, more frequent symptom or more severe symptom experienced;
there has been no test result showing a deterioration;
there has been no hospitalization or referral to a specialist (made or recommended) and there is no further investigation for which results are pending.