Coverage Levels

Our emergency assistance coordinators, doctors and nurses can help you anywhere in the world, anytime of day.

Reimbursement for covered Emergency Medical expenses incurred during your Trip.

If you do not have GHIP for the full duration of your trip, your aggregate limit for all emergency medical benefits will be $20,000.

We cover your incidental hospital expenses (telephone calls, television rental) while you are hospitalized for at least 48 hours.

We provide coverage for emergency dental treatment. Coverage up to $1000 for an accidental blow to the face or mouth and up to $300 for other cause.

If you are travelling alone and admitted to hospital for 3 or more days we will cover flights, insurance and subsistence for someone to be with you.

Expenses resulting from an Emergency for services from a licensed physiotherapist, chiropractor, chiropodist, podiatrist or osteopath, if ordered by a Physician, up to the benefit limit.

If you are hospitalized for more than 24 hours while on a trip, we will cover the extra cost for your dependent to be returned to their departure point.

If you are unable to drive your vehicle to the original departure point due to an emergency, we will cover the reasonable cost to return the vehicle to your residence.

If, following a request from our medical department, you return to your departure point for medical treatment, and provided that your attending physician in your home province determines that you require no further medical attention, we cover the cost of a one-way economy air fare to transport you to your scheduled trip destination.

If you are travelling with a domestic dog or cat while on your trip and you must return to your home province because of a medical condition, we will cover the cost of one-way transportation of your pet to your departure point.

When pre-approved, we provide coverage for your return to your home province because of your medical condition.

If you die during Your Trip we cover reasonable expenses to return you home to your departure point.

You are covered in the event of a flight accident sustained during a trip due to covered risks outlined in the policy wording. Coverage includes accidental death and accidental bodily injury.

You are covered in the event of a travel accident sustained during a trip due to covered risks outlined in the policy wording. Coverage includes accidental death and accidental bodily injury.

If you must cancel your trip due to a covered risk, we cover up to the non-refundable prepaid cost of unused travel arrangements provided you have insured the full value of the non-refundable cost of your trip

If you suffer trip interruption due to a covered risk, we cover the non-refundable, unused trip arrangements for which you have already paid less your prepaid unused return transportation. We will also pay a subsistence allowance where outlined in the policy wording.

If you have prepaid shared accommodations and your travel companion(s) must cancel his or her trip due to a covered risk, we cover the next occupancy charge when you elect to travel as originally planned.

If you suffer trip delay due to a covered risk, we cover, to the limits outlined in the policy wording, a subsistence allowance for your commercial accommodations and meals, essential telephone calls and taxi fares. We will also cover, the lesser of - either the change fee charged by the airline or the extra cost of your one-way economy airfare to return you to your departure point.

If you suffer supplier default, and the supplier is not listed on our alert list (alert list is available on our website), you are covered up to your insured limits for trip cancellation, trip interruption and trip delay.

Re-book flights, make last minute hotel reservations or receive assistance with virtually any travel-related problem.

Your very own personal assistant available 24/7. Ticket bookings, dinner reservations, bank services, driving directions, travel advice and much more.

If you incur loss or damage to your baggage and/or personal effects, we will cover, to the maximum benefit limit, the replacement of the lost or damaged articles. We will also cover, to a maximum of $200, the replacement of your passport, drivers license, birth certificate or travel visa.

We cover, up to the maximum benefit limit, for the replacement of necessary personal effects.