Tour+Med Non-Medical Travel Insurance

Tour+Med Non-Medical Travel Insurance protects Canadians against the financial consequences of trip cancellations, interruptions, baggage loss, and travel accidents. Plans are underwritten by LS-Travel Insurance Company, a wholly owned subsidiary of Humania Assurance Inc. Two options are available: a standalone Trip Cancellation & Interruption plan, or the comprehensive Non-Medical Package which also includes baggage and accidental death and dismemberment (AD&D) coverage. An optional Cancel For Any Reason add-on is also available. Maximum trip coverage is $25,000 per insured person. Plans are available to Canadian residents aged 90 or under through OnVoyage, a licensed insurance broker.

Available Plans

Trip Cancellation & Interruption Coverage

Trip Cancellation coverage reimburses non-refundable, non-transferable trip costs when you must cancel before departure due to a covered insured risk. Trip Interruption coverage reimburses unused portions of your trip and additional costs to return home or rejoin your trip after departure.

What Can You Claim?

• Non-refundable prepaid travel costs (if no credit was offered by the supplier)
• Additional occupancy costs if a travelling companion cancels
• Unused non-refundable travel arrangements after departure
• Reasonable additional accommodation and meal expenses (up to $300/day, 10-day max)
• Additional transportation to reach your departure point or rejoin your trip
• Additional transportation to reach your scheduled destination if departure is delayed

Key Insured Risks

• Your death or that of a travelling companion or immediate family member
• Emergency medical condition (you, your companion, or immediate family)
• Quarantine of you, your companion, your children, or your host at destination
• Canadian government travel advisory (avoid all travel or avoid non-essential travel)
• Loss or theft of your passport or visa during your trip
• Unexpected pregnancy complications in the first 31 weeks
• Job loss or employer-initiated layoff (1+ year with same employer)
• Employer transfer requiring relocation of principal residence
• Call to military, police, fire, or emergency medical service duty
• Cancellation of a business meeting you were specifically travelling for
• Your principal residence becoming uninhabitable (fire, flood, burglary, natural disaster)
• Your place of business becoming inoperative due to insured causes
• Jury duty, subpoena, or required appearance as a defendant in a civil suit
• Common carrier hijacking
• Criminal assault within 10 days before your departure date
• Weather or mechanical delays causing you to miss 30%+ of your trip
• Death or emergency surgery of your cat or dog within 15 days of departure

Cancel For Any Reason (Optional Add-on)

The Cancel For Any Reason option lets you cancel your trip before departure for any reason not covered by the standard insured risks. It must be purchased at the same time as the Trip Cancellation & Interruption plan and within 5 days of the first non-refundable deposit.

• Ages 74 or under: reimbursement of up to 75% of insured non-refundable costs, up to a maximum of $6,000 per insured person
• Ages 75 to 90: reimbursement of up to 60% of insured non-refundable costs, up to a maximum of $4,500 per insured person
• Trip must be cancelled at least 24 hours before the scheduled departure date
• No credit must have been offered or available from the travel supplier

Baggage Coverage (Non-Medical Package)

• Loss, damage or theft of baggage and personal effects: up to $1,500 overall; $500 maximum per single item or set
• Passport, driver's license, birth certificate or travel visa replacement: up to $200
• Essential clothing and toiletries if baggage is delayed 12+ hours by a Common Carrier (before returning to departure point): up to $400

Accidental Death & Dismemberment (Non-Medical Package)

• $100,000 — accident on a Common Carrier while in flight (100% for death or double dismemberment; 50% for single dismemberment)
• $50,000 — accident on a Common Carrier while not in flight (100% for death or double dismemberment; 50% for single dismemberment)
• $10,000 — any other accident during your trip (100% for death or double dismemberment; 50% for single dismemberment)
• Dismemberment or death must occur within 90 days of the accident

Key Exclusions

• Medical conditions not Stable and Controlled for 3 months before the effective date
• Medical conditions you were aware of at booking that could reasonably prevent travel
• Elective, cosmetic or experimental treatment or surgery
• Mental, psychiatric or psychological conditions (including depression and anxiety)
• Pregnancy, unless unexpected complications arise in the first 31 weeks
• Substance abuse, alcohol abuse, or self-inflicted injuries
• Professional or competitive sports; high-risk activities requiring an accident waiver
• Airline or tour operator bankruptcy or insolvency
• Losses for which a credit was offered or available from the supplier (whether accepted or not)
• Civil unrest, war, terrorism, or participation in criminal activities
• Government of Canada travel advisories in effect on the day of the event causing the claim

Claims & Assistance

Submit all required claim documentation within 90 days of returning to your province of residence. Required documents include: an official contract with booking and cancellation conditions, a medical certificate from the treating physician (if cancelling for medical reasons), original unused transport tickets, and written confirmation of penalties and reimbursements from your travel supplier.

For Trip Cancellation claims, you must cancel your travel arrangements with your agent or supplier on the day the cause of cancellation occurs, or on the next business day at the latest.

Administration & Claims:
LS-Travel Insurance Company, 247 Thibeau Blvd, Trois-Rivières, Quebec G8T 6X9
Phone: 1 877 344-8398 | Fax: 1 819 377-6069

Frequently Asked Questions

What is the maximum trip cancellation coverage?

Up to $25,000 CAD per insured person for Trip Cancellation & Interruption. You must purchase insurance to cover the full non-refundable, non-transferable portion of your travel arrangements up to this maximum.

What is the difference between the Trip C&I plan and the Non-Medical Package?

The standalone Trip Cancellation & Interruption plan covers trip cancellation and interruption losses only. The Non-Medical Package adds baggage coverage (up to $1,500) and Accidental Death & Dismemberment coverage (up to $100,000 in-flight) to the same protection.

When must I purchase the policy?

Within 30 days of the first non-refundable deposit for your trip. If you add the Cancel For Any Reason option, both must be purchased within 5 days of the first non-refundable deposit, and you cannot add CFAR after the fact.

What does Cancel For Any Reason cover?

It reimburses 75% of non-refundable costs (up to $6,000) for travellers 74 or under, or 60% (up to $4,500) for those 75 to 90, when cancelling for any reason not otherwise covered. The trip must be cancelled at least 24 hours before departure and no credit can have been offered by the supplier.

Does Tour+Med cover trip cancellation if my airline goes bankrupt?

No. Bankruptcy or insolvency of a retail travel agent, tour operator, airline, cruise line, or broker is an excluded risk under Tour+Med Non-Medical Travel Insurance.

What if the travel supplier cancels my trip?

Trip Cancellation benefits apply when you cancel because of an insured risk, but the trip still takes place. If the supplier cancels the travel arrangements entirely, the insurer considers the supplier responsible for reimbursement and this policy would not pay.