Get Covered: Coverage Start & End Dates

Effective Dates and Expiry Dates

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.
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.