You've spent time researching your trip. You've found the perfect one. You've paid for it. And then something unexpected happens and you can't go. Trip Cancellation and Trip Interruption Plan covers up to the amount you insured before your departure date to a maximum of $20,000.
Medical emergencies affecting you and your immediate family aren't the only thing that can change your travel plans, so we offer protection for a range of risks.
Standalone protection in case your plans change.
- Trip cancellation and interruption insurance up to the amount you insured before your departure date to a maximum of $20,000
- Reimburses you for the prepaid, non-refundable, non-transferable portion of your trip when your trip cancellation or interruption is due to a covered event
Conditions, limitations and exclusions apply. See policy for details.
Apply at any age*
- Canadian resident, or
- Anyone travelling through Canada
* Dependent children must be at least 30 days old.
Covers medical events
- Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
- Travel host hospitalization or death
Covers other risks too
- Business meeting cancelled
- Called to jury duty
- Travel visa not issued
- Missed connection
- Any medical condition that was not stable for three months before the purchase date of your trip cancellation and interruption insurance
- Your or your travel companion's heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the 3 months prior to the purchase date of trip cancellation and interruption insurance
- Your or your travel companion's lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the three months prior to the purchase date of trip cancellation and interrruption insurance
Medical condition means sickness, injury, disease or symptom; or complication of pregnancy within the first thirty-one (31) weeks of pregnancy.
Stable medical condition means that all of the following apply:
- There have not been any new symptom(s); and
- Existing symptom(s) have not become more frequent or severe; and
- A physician has not determined that the medical condition has become worse; and
- No test findings have shown that the medical condition may be getting worse; and
- A physician has not provided, prescribed or recommended any new medication, or any change in medication; and
- A physician has not provided, prescribed or recommended any investigative testing, new treatment or any change in treatment; and
- There has been no admission to a hospital or referral to a specialty clinic or specialist; and
- A physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.
Change in medication means the medication dosage, frequency or type has been reduced, increased or stopped, and/or new medication(s) has (have) been prescribed. Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and a change from a brand name medication to a generic brand medication of the same dosage.
Other conditions, limitations and exclusions apply. Please see the policy for details.
Guides and forms
For a complete list of Affinity print materials, please refer to the Marketing Materials Order Form and request through the Order forms online tool on the home page (login required).