Effective Dates and Expiry Dates


Plan
Coverage Starts
(Effective Date):
Coverage Ends:
Single Trip Emergency Medical & Travel CanadaOn 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.
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 MedicalOn 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-InclusiveTrip 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/InterruptionTrip 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-UpsOn 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.