When Your Coverage Starts
Except in the case of an injury, the applicable waiting period applies to all claims if you purchased insurance after your arrival in Canada.
- For Single-Trip plans, including optional Trip Interruption and Travel Accident plans, on the later of: i) the effective date of insurance as shown on your Confirmation of coverage; or ii) the time and date you arrive in Canada from home;
- For Multi Trip plans, including optional Trip Interruption and Travel Accident plans, the time and date you initially arrive in Canada from home. Thereafter, the time and date of each arrival in Canada from home.
When Your Coverage Ends
For Single-Trip, Multi-Trip, Trip Interruption and Travel Accident (if purchased), coverage ends on the earliest of the following:
A waiting period applies if the insurance is purchased after arrival in Canada and applies to any claim that is not the result of an accidental bodily injury. The waiting periods are:
- each time you leave Canada to return home; or
- when the number of days of coverage you purchased, as shown in your Confirmation of coverage, expires; or
- no more than 365 days after your effective date of insurance; or
- the first day you become insured under a government health insurance plan; or
- when you become a resident of a nursing home, home for the aged, or other long-term care facility during your trip.
The waiting period will be waived:
- the 48-hour period following the effective date of insurance if the insurance is purchased within 30 days of arrival in Canada
- the 8-day period following the effective date of insurance if the insurance is purchased more than 30 days after arrival in Canada
- in case of injury; or
- if the applicant purchased this policy prior to the expiry date of an existing Visitors to Canada policy already issued by us, to take effect on the day following such expiry date, provided that there is no increase in the coverage amount or change in the plan selected.