Plan | Coverage Starts
(Effective Date): | Coverage Ends: |
Single Trip Emergency Medical & Travel Canada | On the later of:
- the departure date; or
- the effective date as shown on the confirmation.
| For Travel Canada, on the earliest of:
- the date the policyholder leaves Canada
- the expiry date as stated on the confirmation
- the date the policyholder returns home.
For Single Trip Emergency Medical plans, on the earlier of:
- the date the policyholder returns home;
- the expiry date, as stated on the confirmation.
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Single-Trip All-Inclusive | Trip Cancellation coverage, on the date the policyholder pays the premium for this coverage.
For all other coverages, on the later of:
- the departure date; or
- the effective date as shown on the confirmation
| Trip Cancellation coverage, on the earlier of:
- the departure date;
- the date the policyholder cancels their trip.
For all other coverages, on the earlier of:
- the date the policyholder returns home;
- the expiry date, as stated on the confirmation.
|
Multi-Trip Emergency Medical | On the later of:
- the effective date as shown on the confirmation; or
- each date the policyholder leaves their province or territory of residence; and each date they leave Canada
| On the earliest of:
- the date the policyholder returns home;
- the expiry date, as stated on the confirmation;
- when travelling outside Canada, the date the policyholder reaches the maximum number of days permitted for each trip, as shown on the confirmation.
|
Multi-Trip All-Inclusive | Trip Cancellation coverage, on the later of:
- the effective date as shown on the confirmation; or
- the date the policyholder purchased their trip.
For all other coverages, on the later of:
- the effective date as shown on the confirmation; or
- each date the policyholder leaves their province or territory of residence; and each date they leave Canada
| Trip Cancellation coverage, ends on the earlier of:
- the departure date;
- the date the policyholder cancels their trip.
For all other coverages, on the earliest of:
- the date the policyholder returns home;
- the expiry date, as stated on the confirmation;
- when travelling outside Canada, the date the policyholder reaches the maximum number of days permitted for each trip, as shown on the confirmation.
|
Trip Cancellation/Interruption | Trip Cancellation coverage, on the date the policyholder pays the premium for this coverage. | On the earlier of:
- the departure date;
- the date the policyholder cancels their trip.
|
Top-Ups | On the effective date as shown on the confirmation. | On the earlier of:
- the date the policyholder returns home;
- the expiry date, as stated on the confirmation.
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