Refunds and Extensions
To obtain a refund of premium (minimum $25.00)
a) If the applicant is cancelling their policy because their application for a Parent and Grandparent Super Visa was refused, they must provide proof of Visa refusal with their request for a full refund. Otherwise, the applicant can ask for a full refund at any time before the effective date of your insurance.
b) If the policyholder obtains Canadian government health insurance plan coverage, or returns home before the date they were scheduled as per their confirmation, and has not reported or initiated a claim or been provided with any assistance services, they may ask for a refund of the premium for the unused days of their trip and will need to provide proof of the date they actually returned home or the effective date of their Canadian government health insurance plan coverage.
Simply contact us to ask for a refund. All travellers insured under the same policy must return together or have Canadian government health insurance plan coverage in effect for a refund to be possible. Minimum premium refund amount is $25.
c) If the policyholder holds a Parent and Grandparent Super Visa and has purchased 365 days of coverage, and is requesting a partial refund due to their early return home or departure from Canada and:
has had no claim that has been reported, paid or denied,
- unused premiums (minimum of $25) may be refunded when they have provided proof of return home or departure from Canada.
has reported a claim or have a payable claim for which the payment has not been issued or the total amount of all reported eligible claim expenses will not exceed the deductible amount,
- you may apply to have such claim withdrawn and, subject to our approval, unused premium may be refunded less a handling fee of $300 per claim which will be deducted from any amount to be refunded.
when a claim has been denied or paid,
A written request to cancel this policy must be received within 60 days following the date of return home along with proof of departure from Canada. In no event will we back-date a cancellation to a date more than 60 days prior to the date of receipt of the cancellation request. If the cancellation request is received more than 30 days following the date of return home, we will require a copy of every page of the passport to verify that they did not visit Canada between the date they returned home and the date they submitted their refund request. Once any refund of premium has been requested, no expenses will be accepted for consideration under the policy, regardless of the date the expense was incurred. Refunds will be credited to the same credit card used to charge the premium.
No refunds are available for Trip Interruption Insurance after the effective date, side-trips or Trip Breaks.
Automatic extension of coverage is provided beyond the date the applicant was scheduled to return home as per the confirmation if:
- the common carrier is delayed. In this case, we will extend the coverage for up to 72 hours;
- the applicant or their travel companion is hospitalized. In this case, we will extend the coverage during the hospitalization and for up to 5 days after discharge from the hospital;
- the applicant or their travel companion has a medical condition that does not require hospitalization but prevents travel. In this case, we will extend the coverage for up to 5 days.
In any case, we will not extend coverage beyond 12 months after the effective date of insurance.
To extend the coverage, the applicant must make the request before the expiry date or the scheduled date of return (as per the confirmation). If the applicant has not had a change in their health status and has not had any event since the effective date of insurance that has resulted or may result in a claim, the extension may be issued upon request. Otherwise, the extension is subject to the approval of the Assistance Centre.