Trip Cancellation & Interruption Insurance

If your trip is cancelled, interrupted or delayed for a specific reason listed in the policy, such as an unexpected event or an injury to you, a family member, or traveling companion, we will reimburse you for the non-refundable amount.

Before you leave:

• If you cancel your trip due to an insured risk, we will reimburse you for the non-refundable, non-recoverable portion of prepaid airfare and travel arrangements.
• If you have to pay a single supplement because a companion is unable to travel due to an insured risk, we will reimburse you.

After you leave:

• If you or a traveling companion misses a portion of your trip due to illness, we will pay for economy transportation to continue your trip.
• If you have to return home due to an insured risk, we will reimburse you for the non-refundable portion of your unused, prepaid, insured travel arrangements, and for economy transportation to return to your departure point.
• If a covered sickness or injury results in your death, we will pay up to $10,000 for costs to bring you home, or up to $4,000 for cremation and burial at the place of death.

ELIGIBILITY

To be eligible for coverage a person must:

a) be at least 15 days old; and

b) be scheduled to travel on a trip to, from or within Canada; and

c) purchase this coverage within 48 hours of paying the non-refundable deposit to the travel supplier or agent for the trip and before any cancellation penalties applicable.

Coverage Begins

When an application has been made and the premium has been paid for a specific plan of insurance, coverage begins on the latest of the date and time:

a) the completed application is accepted by TIC or its representative; or

b) indicated as the application date.

Coverage Ends

Coverage ends on the earliest of the date:

a) of occurrence of the Insured Risk which results in the cancellation of the insured’s trip prior to the scheduled departure date; or

b) and time the insured returns to their permanent residence; or

c) indicated as the expiry date on the confirmation of coverage; or

d) 365 days from the application date for ‘Prior Departure’ benefits.

DESCRIPTION OF COVERAGE

The insurer agrees to pay up to the sum insured indicated on the confirmation of coverage, for losses resulting from an “Insured Risk” occurring during the period of coverage. Coverage is provided worldwide for trips to, from or within Canada. Benefits are limited to the non-refundable amounts assessed by the travel supplier as of the date of occurrence of the “Insured Risk”, injury or the ultimate diagnosis of a sickness that was the cause of the cancellation, regardless of the date the trip is cancelled.

BENEFITS

Benefits are payable for the following costs:

a) Prior to Departure

i. The non-refundable, non-recoverable portion of prepaid airfare and/or pre-paid travel arrangements.

ii. The single supplement charged as the result of a traveling companion or accompanying family member who is unable to travel due to an “Insured Risk”.

b) After Departure

i. The extra cost of economy transportation by the most direct route to continue with the insured trip if the insured misses a portion of his/her trip due to sickness or injury of the insured, a traveling companion or accompanying family member.

ii. The non-refundable portion of unused, pre-paid, insured travel arrangements for the trip (excluding partially used airline tickets) booked prior to departure, and the extra cost of economy airfare by the most direct route, to return to the point of departure.

iii. In the event of death due to a covered sickness or injury, up to $10,000 will be reimbursed for costs incurred to return the insured in a standard transportation container, to their permanent residence, or up to $4,000 for cremation or burial at the place of death, when the insured is not covered under any other insurance plan.

c) Prior To or After Departure:

In the event that a delay of the connecting carrier or automobile at the departure point causes a missed connection, provided the connecting carrier or automobile was scheduled to arrive not less than two hours prior to the scheduled connection time due to:

• weather conditions or mechanical failure of the connecting carrier (airline, bus, train or government-operated ferry system); or
• traffic accident or emergency police road closure (police report required) causes the delay of a private or commercial automobile.

The insurer agrees to pay:

i. the extra cost of economy transportation to the ticketed destination;

ii. the unusable pre-paid, insured travel arrangements and;

iii. an out-of-pocket allowance of up to $200 per day to a maximum of $600 for commercial accommodation and meals, essential telephone calls and taxi fares.

INSURED RISKS

The ‘Benefits’ listed above are payable if the insured’s trip is cancelled prior to the scheduled departure date, curtailed prior to the scheduled return date, or delayed after the scheduled return date as the result of:

Health

1. Sickness, injury or death of the insured, or a family member, or a traveling companion, or traveling companion’s family member or a key employee of the insured.

2. The death of a friend of the insured.

3. The death or hospitalization of the insured’s host at the destination.

4. Sickness, injury or death of a person or persons with whom arrangements were made for the care of dependents living in the insured’s household.

Legal

5. The insured has been called to jury duty, or been subpoenaed as a witness, and the court proceeding is scheduled to be heard during the period of the trip (excluding law enforcement officers).

6. The legal adoption of a child by the insured during the period of the trip, which necessitates cancellation of the trip.

External

7. The schedule change of the airline carrier that is providing transportation for a portion of the insured trip, causing the insured to miss a connection or resulting in the interruption of the insured travel arrangements.

8. The insured’s failure to obtain a valid travel visa (excluding an immigration, student or employment visa) necessary to enter the country of destination of the trip, for reasons beyond the insured’s control provided the insured is a Canadian resident and eligible to apply, and the failure to obtain valid documents is not the result of a late or previously denied application.

9. Default of a travel supplier ceasing operations as a result of bankruptcy.

10. A disaster which renders the insured’s principal residence, in their country of permanent residence, uninhabitable.

11. A statement on terrorism or health risk made in the “Travel Report” issued by the Canadian Department of Foreign Affairs or Public Health Agency of Canada after the application date, advising or recommending that Canadians should not travel to the booked destination for a period that would include the insured’s scheduled trip.

12. Hijacking or quarantine of the insured.

13. Adverse weather which would prevent the insured from traveling for a period not less than 30% of the total duration of the insured trip when the insured chooses not to continue with the trip prior to departure from the point of origin.

14. Cancellation prior to departure, of a business meeting that the insured is required to attend as required by his/her employment or a conference arranged by the insured’s professional association, and the cancellation is beyond the control of the insured, the insured’s employer or association.

15. Rescheduling of an examination at an accredited Canadian or American university or college after the trip was booked and due to circumstances beyond the insured’s control. A copy of the original official examination schedule and the notice of rescheduling must accompany any claim submission. The rescheduled examination must occur during the period of coverage.

Work

16. A job transfer within 30 days of the insured’s scheduled departure date, by the insured’s employer, that requires relocation of the insured’s principal residence (not applicable to self-employed persons).

SPECIFIC CONDITIONS

1. Upon the occurrence of an “Insured Risk” that results in cancellation, curtailment or delay of the insured’s trip, the travel supplier or agent must be notified on the same day or next business day that the cause of cancellation, injury or ultimate diagnosis of sickness occurs.

2. Benefits are limited to the non-refundable amounts assessed by the travel supplier as of the date of occurrence of the “Insured Risk”, injury or the ultimate diagnosis of a sickness.

3. When family members are traveling together, the total aggregate limit is twelve (12) insured persons, regardless of the number of policies issued, unless authorized by TIC.

4. When traveling companions are traveling together, the total aggregate limit is five (5) insured persons, regardless of the number of policies issued, unless authorized by TIC.

5. No benefits are payable when the insured’s return to the point of origin is beyond 10 days from the expiry date specified in the confirmation of coverage, unless the insured or a traveling companion suffering the sickness or injury was confined in a hospital, or was certified as medically unfit to travel by the attending physician at the location treatment was provided.

6. Reimbursement of any eligible additional costs are limited to the lesser of:

a) the change-fee

b) a one-way economy class airfare or

c) a return economy class airfare, all by the most direct route.

7. All claims due to sickness or injury must be supported by documentation from the attending physician at the location where sickness or injury leading to cancellation occurred.

8. “General Provisions” of this policy apply. Refer to page 5.

EXCLUSIONS

Benefits are not payable for costs incurred due to:

CANX1 Any sickness, injury or medical condition of an insured, family member, traveling companion or traveling companion’s family member or key employee of the insured, that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, medical treatment or hospitalization, within the 90 days immediately preceding the application date.

CANX2 Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the application date, was such as to render expected medical treatment or hospitalization.

CANX3 (ADD1, FAC1) Losses while sane or insane due to: emotional, mental or nervous disorders resulting from any cause, including but not limited to anxiety or depression; suicide, attempted suicide or intentionally self-inflicted injury.

CANX4 (ADD2, FAC2, BAG1) Act of war, kidnapping, act of terrorism including those caused directly or indirectly by nuclear, chemical or biological means; riot, strike or civil commotion, unlawful visit in any country, participation in protests, participation in armed forces activities or a commercial sexual transaction or the commission or attempted commission of any criminal offence, contravention of any statutory law or regulation in the area where the loss occurred by the insured,a family member or traveling companion.

CANX5 (ADD3, FAC3) Loss, death or injury, if at the time of the loss, death or injury, evidence supports the insured was affected by, or the medical condition causing the loss was in any way contributed to by, the use of alcohol, prohibited drugs, or any other intoxicant; the non-compliance with a prescribed treatment or medical therapy; or the misuse of medication.

CANX6 Any sickness, injury or medical condition for which a diagnosis need not have been made, where the trip is undertaken for the purpose of securing medical treatment or advice.

CANX7 Any medical consultation that is non-emergency or any procedure or treatment that is elective or the consequence of a prior elective procedure.

CANX8 (ADD4) Travelling against the advice of a physician or any loss resulting from a sickness or medical condition that was diagnosed by a physician as terminal prior to the effective date of this policy.

CANX9 (ADD5) Injury resulting from training or participating in speed contests usually and customarily in excess of 60 km per hour, professional sport activities, or organized motor sport contests.

CANX10 Loss incurred as a result of pregnancy, or childbirth, or complications thereof occurring within 8 weeks of the expected date of delivery.

CANX11 Loss incurred as a result of pregnancy which are routine or elective and which occur within the first 32 weeks of pregnancy.

CANX12 A trip undertaken for the purpose of visiting or attending to an ailing person whose medical condition or ensuing death is the cause of cancellation or curtailment of the insured trip or delays the insured’s return home.

CANX13 Loss for any event prior to departure, which might reasonably have been expected to necessitate the immediate return or delay the return of the insured.

CANX14 Loss for any event which, on the application date, could reasonably have been expected to prevent the insured from traveling as booked.

CANX15 Losses recovered or which are recoverable from any other source, including trustees or any government compensation fund.

CANX16 Loss arising as a consequence of the bankruptcy or insolvency of a retail travel agent, agency or broker, whether or not otherwise entitled to the benefit of this insurance.

CANX17 Losses arising as a result of a default of the travel supplier if, at the time of booking and/or application, the travel supplier is bankrupt, insolvent, in receivership, or has sought protection from creditors under any bankruptcy or related legislation.

CANX18 Losses arising as a result of default of an American travel supplier if the services to be provided by the American travel supplier are not part of a package tour sold to the insured by an appointed representative of TIC.

CANX19 Losses arising from default of a travel supplier for travel services purchased by the insured direct from the travel supplier, or from other than an appointed representative of TIC.

CANX20 Any amounts assessed by the travel supplier that are non-refundable after the date of the occurrence of an “Insured Risk”, injury or ultimate diagnosis of a sickness that was the cause of the cancellation, regardless of the date the trip was cancelled.

CANX21 (ADD7, FAC4, BAG5) Any nuclear occurrence, however caused.

CLAIMS PROCEDURES

1. Claims must be reported within 30 days of occurrence.

2. Written proof must be submitted within 90 days of occurrence.

Important Notes:

a) If an insured trip must be cancelled, the travel supplier or agent must be notified on the day (or the next business day) that the cause of cancellation occurs. Benefits are limited to the amounts that are non-refundable, at the occurrence date of the ‘Insured Risk’ that was the cause for cancellation, regardless of the date the trip is cancelled.

b) Any fees for the completion of medical certificates or claims forms are not covered under this insurance.

When submitting your claim, please include:

a) Trip Cancellation, Interruption and Delay

i. A fully completed and signed claim form. Incomplete forms will be returned and will delay processing of your claim.

ii. Both the insured and the claimant (if other than the insured) must sign the Authorization and Certification.

iii. A medical certificate completed by the treating physician. A copy of the patient’s/deceased’s medical records may be required.

iv. If cancellation is due to death, copy of death certificate.

v. If cancellation is due to any reason other than sickness, injury or death, please contact the TIC Claims Department for detailed claims requirements.

b) Prior to Departure

(in addition to the requirements for item 1 above)

i. Itemized copy of the invoice confirming the amount paid for your trip, including the cost of airfare, hotel, taxes, service fees and any other expenses.

ii. Proof of payment such as: a credit card statement, a copy of a cancelled cheque, or copy of the official receipt issued by the travel agency.

iii. Statement of refund from the travel supplier or agent if applicable.

iv. Original unused airline tickets and any other original travel documentation (if you did not get a refund from any other source).

c) After Departure

(in addition to the requirements for item 1 above)

i. Original unused airline ticket and passenger coupon of the new replacement ticket purchased to return home.

ii. If only a change fee was charged, receipt showing the amount charged.

iii. For an unused tour, provide a copy of the original invoice, breakdown of unused tour cost, and a copy of the travel itinerary.

iv. Any original receipts for out-of-pocket expenses incurred due to interruption or delayed return.

v. Any other documentation to support your claim.

Trip Cancellation & Interruption

Sum Insured	Basic Plan
Prior to Departure	Age 0-59	Age 60-64	Age 65-69	Age 70-74	Age 75-79	Age 80-89
$100	$46	$52	$58	$72	$94	$112
$200	$49	$55	$61	$75	$99	$118
$300	$52	$58	$64	$78	$104	$126
$400	$55	$61	$67	$81	$109	$133
$500	$58	$64	$69	$84	$114	$140
$600	$61	$67	$72	$89	$119	$147
$700	$64	$70	$75	$93	$126	$155
$800	$67	$74	$78	$97	$132	$162
$900	$69	$78	$82	$101	$138	$169
$1,000	$72	$82	$88	$105	$145	$179
$1,100	$76	$87	$92	$110	$153	$190
$1,200	$80	$91	$97	$115	$162	$201
$1,300	$84	$96	$102	$121	$171	$212
$,1400	$89	$101	$107	$126	$180	$224
$1,500	$92	$106	$111	$131	$191	$236
$1,600	$97	$110	$116	$136	$202	$248
$1,700	$102	$115	$122	$141	$213	$262
$1,800	$107	$121	$128	$147	$225	$275
$1,900	$111	$126	$133	$155	$236	$289
$2,000	$116	$130	$139	$162	$247	$304
$2,100	$122	$135	$145	$169	$260	$318
$2,200	$127	$141	$151	$178	$272	$334
$2,300	$131	$147	$159	$187	$284	$350
$2,400	$136	$152	$166	$197	$297	$368
$2,500	$142	$159	$172	$206	$309	$386
Add to $2,500 Premium Per Additional $100 Up to $15,000	$3.71	$4.64	$5.56	$6.49	$7.42	$8.34

All prices are subject to provincial sales tax (8% in Ontario).

IMPORTANT NOTES

• Maximum period of coverage prior to departure is 365 days.
• Minimum age 15 days.
• Use the applicant’s age on the application date.
• After-departure benefits cover prepaid travel arrangements only.
• If the insured cancels their trip before departure they must notify you and TIC Claims Department on the date the cause for cancellation occurs.
• Benefits payable are limited to the amounts that are non-refundable, as assessed by the travel supplier or agent, at the date of occurrence of the Insured Risk that was the cause for cancellation, regardless of the date the trip is cancelled. (See policy for details).
• Prior-to-departure benefit amounts in excess of $12,500 require individual consideration. For individual consideration, a Trip Cancellation & Interruption Questionnaire must be completed and submitted to the Medical Underwriting Department for a quote.

Trip Cancellation & Interruption

Sum Insured	Select Plan
Prior to Departure	Age 0-59	Age 60-64	Age 65-69	Age 70-74	Age 75-79	Age 80-89
$100	$61	$67	$72	$88	$109	$128
$200	$64	$69	$75	$91	$114	$134
$300	$67	$72	$78	$94	$119	$141
$400	$69	$75	$81	$97	$125	$148
$500	$72	$78	$84	$100	$130	$156
$600	$75	$81	$88	$104	$135	$163
$700	$78	$85	$90	$108	$141	$170
$800	$81	$89	$93	$112	$147	$177
$900	$84	$93	$97	$116	$153	$184
$1,000	$88	$97	$102	$121	$161	$195
$1,100	$91	$101	$107	$126	$169	$205
$1,200	$95	$106	$111	$131	$177	$216
$1,300	$99	$110	$116	$136	$186	$228
$,1400	$103	$115	$122	$141	$196	$239
$1,500	$107	$121	$127	$146	$206	$251
$1,600	$111	$126	$131	$151	$217	$264
$1,700	$116	$130	$136	$157	$229	$277
$1,800	$122	$135	$142	$163	$240	$290
$1,900	$127	$140	$147	$170	$251	$305
$2,000	$131	$145	$153	$177	$263	$319
$2,100	$136	$149	$160	$184	$275	$334
$2,200	$141	$156	$167	$194	$287	$349
$2,300	$146	$162	$173	$203	$300	$366
$2,400	$150	$167	$180	$212	$312	$383
$2,500	$157	$173	$186	$221	$324	$402
Add to $2,500 Premium Per Additional $100 Up to $15,000	$3.71	$4.64	$5.56	$6.49	$7.42	$8.34

All prices are subject to provincial sales tax (8% in Ontario).

IMPORTANT NOTES

• Maximum period of coverage prior to departure is 365 days.
• Minimum age 15 days.
• Use the applicant’s age on the application date.
• After-departure benefits cover prepaid travel arrangements only.
• If the insured cancels their trip before departure they must notify you and TIC Claims Department on the date the cause for cancellation occurs.
• Benefits payable are limited to the amounts that are non-refundable, as assessed by the travel supplier or agent, at the date of occurrence of the Insured Risk that was the cause for cancellation, regardless of the date the trip is cancelled. (See policy for details).
• Prior-to-departure benefit amounts in excess of $12,500 require individual consideration. For individual consideration, a Trip Cancellation & Interruption Questionnaire must be completed and submitted to the Medical Underwriting Department for a quote.