Refunds & Extensions
  • You may cancel your coverage prior to your departure date (your effective date if you have purchased Multi-Trip Emergency Medical plan).
  • If you return home early, you may request a refund of premium (minimum $25) for the unused days of coverage of your trip providing there has been or will be no claim reported or initiated, that you have not been provided with any assistance services and that you have mailed us your written refund request with proof of the date you actually returned home.
  • All travellers insured under the same policy must return together for a refund to be possible.

No refunds are available on the BounceBack Benefit, Trip Cancellation/Interruption, All-Inclusive and Multi-Trip All-Inclusive plans.

Extensions:

If you are already on your trip and need to apply for an extension of your coverage, before the expiry date of your existing coverage, simply call the Assistance Centre. You may be able to extend your coverage, as long as:
  • you pay the additional premium (minimum $25); and
  • there has been no event that has resulted or may result in a claim against the plan and there has been no change in your health status.
Any extension is subject to approval by the Assistance Centre.

AUTOMATIC EXTENSION of your emergency medical coverage is provided beyond your expiry date on your confirmation if:

  • your common carrier is delayed. In this case, we will extend your coverage for up to seventy-two (72) hours; or
  • you or your travel companion are hospitalized on your expiry date. In this case, we will extend your coverage during the hospitalization and for up to five (5) days after discharge from the hospital; or
  • you or your travel companion have a medical emergency that does not require hospitalization but prevents travel on your expiry date, as confirmed by a physician. In this case, we will extend coverage for up to five (5) days.
In any case, we will not extend coverage beyond twelve (12) months after your effective date of insurance.

To extend your coverage, you must make your request before your expiry date or the date you were scheduled to return home as per your confirmation of coverage. If you have had no change in your health status and have had no event that has resulted or may result in a claim against the plan since the effective date of insurance, the extension (minimum additional premium of $25) may be issued upon request. Otherwise, the extension is subject to the approval of the Assistance Centre. In order to avoid the waiting period, purchase your extension of coverage before the expiry date of your existing Visitors to Canada Policy issued by us.