Trip Cancellation & Interruption
The Insurer will pay benefits, up to the Maximum Limit shown on the Schedule, if an insured cancels his/her Trip or is unable to continue on his/her Trip due to the following unforeseen events:

• Sickness, Injury or death of an Insured, Family Member, Travelling Companion, Service Animal or Business Partner (certain conditions apply.)
• Inclement Weather causing delay or cancellation of travel.
• The Insured’s Primary Residence being made Uninhabitable by Natural Disaster, vandalism, or burglary.
• The Insured, or a travelling companion being subpoenaed, required to serve on jury, hijacked or quarantined.
• The insured and/or Travelling Companion is directly involved in or delayed due to an automobile Accident, while en route to the Insured’s Destination.
• Strike resulting in complete cessation of travel services at the point of departure or Destination.
• A Terrorist Incident in a City listed on the Insured’s itinerary within 30 days of the Insured’s scheduled arrival.
• The insured or Travelling Companion is involuntarily terminated or laid off through no fault of his/her own which occurs more than 14 days after an Insured’s effective date of coverage, provided that he/she has been an active employee for the same employer for at least one year. Termination must occur following the effective date of coverage. This provision is not applicable to temporary employment, independent contractors or self-employed persons.
• A named hurricane causing cancellation of travel to the Insured’s Destination that is Inaccessible or Uninhabitable The Insurer will only pay benefits for losses occurring within 30 calendar days after the named hurricane makes the Insured’s Destination Inaccessible or Uninhabitable. Benefits are not payable if a hurricane is named on or before the effective date of the Insured’s Trip Cancellation coverage.
• The Insured's Destination being made Uninhabitable by a flood, tornado, earthquake, fire, wildfire, volcanic eruption, or blizzard that is due to natural causes, vandalism, or burglary.
• Insured or Travelling Companion is called to active military service or military leave is revoked.
• The Insured has an employer-initiated transfer within the same organization of 250 or more miles after the Insured’s effective date of coverage which requires the Insured's Primary Residence to be relocated
• Mechanical/equipment failure of a Common Carrier that occurs on a scheduled Trip and causes complete cessation of the Insured’s travel;
• The primary or secondary school where the Insured or Travelling Companion is a student must extend its operating session beyond its regular schedule, which causes the extension of the originally scheduled school year beyond the originally scheduled end date and the Departure Date falls within that period of time;
• A theft of passports or visas specifically required for the Insured’s Trip substantiated by a police report.

Trip Delay
The insurer will reimburse the Insured up to the Maximum Limit(s) shown on the Schedule for Reasonable Additional Expenses until travel becomes possible if the Insured’s Trip is delayed six 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 of the Unforeseen events listed below:

• The Insured or Travelling Companion is quarantined.
• Common Carrier delay.
• The Insured’s or Travelling Companion’s lost or stolen passports, travel documents, or money.
• Natural Disaster.
• Injury or Sickness of the Insured or Travelling Companion.
• The insured and/or Travelling Companion is directly involved in or delayed due to an automobile Accident, while en route to the Insured’s Destination.

Missed Connection
Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if delayed for three or more hours to your point of departure due to:

• Inclement weather.
• Common carrier causes cancellation or delay of all regularly scheduled airline flights.

Baggage & Personal Effects Loss
The Insured will reimburse the Insured, up to the Maximum Limit shown in the Schedule for:

• Loss, theft of damage to the Insured’s Baggage, personal effects, passports, travel documents, credit cards and visas.

Baggage Delay
If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects.

Medical Expense
Covered Expenses:

• Services of a Physician or Registered Nurse (R.N.) • Hospital charges • X-rays(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 limited to a Maximum limit shown in the Schedule

Emergency Evacuation & Repatriation of Remains
The insurer will pay for Covered Emergency Evacuation Expenses incurred if an Insured suffers and Injury or Sickness while he/she is on a Trip that warrants his/her Emergency Evacuations. Covered Expenses:

• Necessary Transportation
• Related medical services and medical supplies

Accidental Death & Dismemberment
If, while on a Trip, Injury to an Insured results within 180 days of the date of the Accident which caused Injury, the Insurer will pay the percentage shown below of the Maximum Limit shown in the Schedule.

Car Rental Collision Coverage
Covers damage due to collision, vandalism, theft, windstorm, fire, hail or flood

Pre-Existing Medical Condition Waiver
The Insurer will waive the pre-existing medical condition exclusion up to a maximum of $25,000 per person/$50,000 per booking of Trip Cost per person if the following conditions are met:

• The plan is purchased within 21 days of making the Initial Trip Payment;
• The amount of coverage purchased equals all prepaid non-refundable payments or deposit applicable to the Trip at the time of purchase, and the cost of any subsequent arrangement(s) added to the same Trip are insured within 21 days of the date of payment or deposit for any subsequent Trip arrangement(s); and
• All Insured’s are medically able to travel when plan cost is paid.

* This is only a brief description of coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance is underwritten by Chartis Insurance Company of Canada (Chartis Canada), 145 Wellington Street West, Toronto, Ontario, M5J 1H8. All policies are administered on Chartis Canada’s behalf by Travel Guard Group Canada, Inc. (Travel Guard).