Other Coverages

You are on: Trip Cancellation and Interruption Insurance

Financial protection for when your travel plans are cancelled or disrupted.

If an illness, injury or another unexpected event forces you to cut your trip short or cancel your plans entirely, you could lose what you prepaid for your non-refundable travel arrangements and possibly incur extra hotel, transportation and other charges.

With our Trip Cancellation and Interruption Insurance, you're protected in three important ways against a wide range of situations:

• Before Departure Insurance covers the non-refundable portion (such as deposits or cancellation charges) of your prepaid travel arrangements. It also allows you to recoup any cancellation penalties that a transportation carrier or tour operator may charge you.⁽¹⁾
• After Departure Insurance covers the costs you would incur if you had to return home earlier or later than you had originally planned. It also reimburses you for any non-refundable portions of unused, prepaid travel arrangements.⁽¹⁾
• Subsistence Allowance Insurance reimburses you for extra expenses that result from one of the specified situations occurring. Such expenses can include your commercial accommodations and meals, essential telephone calls, internet usage fees and taxi fares (or rental car in lieu of taxi fares) up to the specified maximum for your policy.⁽¹⁾

Note: We strongly recommend that you purchase this insurance at the time you pay your initial travel deposit.

For complete coverage details, limitations and exclusions, see the Trip Cancellation and Interruption Insurance policy document:

Trip Cancellation and Interruption

 

1) Some conditions apply. Please see the policy document for complete coverage details, limitations and exclusions.

You are on: Flight Accident Insurance

Flight Accident InsuranceCoverage against certain events that may occur when you're flying, at the airport and more.

This insurance covers the traveller while they are a passenger on their scheduled airline flight or, while at the airport departing or arriving for a flight. For a very low premium the traveller can be covered for up to $100,000 in the event of accidental death or injury.⁽¹⁾

Flight Accident Insurance covers you⁽²⁾ while you are a passenger on your scheduled airline flight as well as when you are:

• At the airport departing or arriving for your flight
• Riding as a passenger in a limousine or bus service provided by the airline or airport authority
• Riding as a passenger in a scheduled helicopter shuttle service to and from airports to make a connection with your flight
• Riding as a passenger in a land or water conveyance at the expense of the airline as a substitute for your flight

Note: You must purchase this insurance prior to your flight's scheduled departure date and time.

For complete coverage details, limitations and exclusions, see the Flight Accident Insurance policy document:

Flight Accident

 

1) You are entitled to a maximum of the largest amount specified for one of these benefits: $100,000 for death, double dismemberment, loss of sight of both eyes, or complete and irrecoverable loss of speech or hearing OR $50,000 for single dismemberment or loss of sight of one eye. Subject to policy terms and conditions. Please read the policy for complete details.

2) Flight Accident Insurance benefits apply only to your scheduled and insured flights.

You are on: Baggage and Personal Effects Insurance

Cover your belongings against loss, theft or damage.

If you're flying, taking a bus or train, and/or travelling with a tour company, you may have only a bare minimum of protection for your belongings.

With our Baggage and Personal Effects Insurance, you'll be eligible for up to $2,000 in coverage⁽¹⁾ against loss or damage to the baggage and personal effects that you own and use during your trip.

In addition, this insurance will reimburse you up to $300 if you need to replace your travel documents, including your driver's licence, passport, birth certificate and/or travel visa.

Note: You must purchase this insurance prior to your trip departure date. Coverage begins on the date you are scheduled to leave your departure point.

For complete coverage details, limitations and exclusions, see the Baggage and Personal Effects Insurance policy document:

Baggage and Personal Effects

 

1) The maximum sum insured per person or per family does not exceed $2,000 in total for all coverages issued by us. The maximum for any one item or set of items is $500. Subject to policy terms and conditions. Please read the policy for complete details.

You are on: Rental Car Physical Damage Insurance

Affordable protection, no matter where you rent.

Rental car agencies will always offer you insurance, but their policies may not provide the best coverage at the best price. With our Rental Car Physical Damage Insurance, you'll be covered for up to $50,000 if a vehicle you've rented is stolen or damaged.

Valid anywhere in the world, this insurance is an excellent choice for overall value. And, your protection is good for up to 60 consecutive days of vehicle rental.

Note: You must purchase this insurance on or before the date you take possession of your rental vehicle.

For complete coverage details, limitations and exclusions, see the Rental Car Physical Damage Insurance policy document:

Rental Car Physical Damage