Coverage Start and End Dates
Plan
Coverage Starts
(Effective Date):
Coverage Ends:
Single-Trip Emergency Medical, Canadian
Travel & Quick Trip Plan
On the latest of:
  • The date you leave home; or
  • The departure date as shown on your confirmation of coverage.
On the earliest of these dates:
  • The date you return home, or when your trip ends or is cancelled;
  • When the number of days of coverage purchased expires; or
  • On the expiry date as shown on your confirmation of coverage.
Single-Trip All-Inclusive For Trip Cancellation
coverage, when you pay the premium for this insurance.

For all other coverages,
when you leave home to begin your trip.
For Trip Cancellation, when you leave home.

For all other coverages, on the earliest of these dates:
  • The date you return home, or when your trip ends or is cancelled;
  • When the number of days of coverage purchased expires; or
  • On the expiry date as per the confirmation.
Multi-Trip Emergency MedicalOn the effective date as
shown on your confirmation of coverage, and after that date, it starts each date you leave home.
On the earliest of these dates:
  • The date you return home or when your trip ends;
  • When the number of days of coverage purchased expires; or
  • On the expiry date as shown on your confirmation of coverage.
Multi-Trip All-InclusiveFor Trip Cancellation coverage, when you purchased the prepaid trip and have already purchased this insurance.

For all others, coverage starts on the effective date as shown on your confirmation of coverage, and after that date, it starts each date you leave home.
For Trip Cancellation, when you leave home or when your trip is cancelled.

For other coverages, on the earliest of these dates:
  • The date you return home or when your trip ends;
  • When the number of days of coverage purchased expires; or
  • On the expiry date as shown on your confirmation of coverage.
Trip Cancellation/InterruptionAt the time you purchased this insurance.When you return home or when your trip ends or is cancelled.
Top-UpsOn the effective date as shown on your confirmation of coverage.On the earliest of these dates:
  • The date you return home;
  • When the number of days of coverage purchased expires; or
  • On the expiry date as shown on your confirmation of coverage.