TRAVELLER'S AREA > TRAVEL TIPS

Key Points and Reminders

• If your health changes between the time you book your insurance and the date you depart on your trip, your coverage may change. Call us to find out how.
• Read your policy and know the exclusions and limitations. Ensure you are on the correct plan according to your medical conditions. If you have received a medical questionnaire with your policy, fill it out immediately and return to us. If there is an error, contact us immediately.
• Carry your wallet cards with you at all times. Prior to seeking medical assistance (e.g. doctor visit, emergency visit, hospital/clinic), it is extremely important that you call the emergency number first (i.e. the Assistance Center, not Snowbird Medi-Quote).
• If you must change your departure dates, call us before the policy comes into effect. If you don’t, you risk your policy becoming null and void for your whole trip. We cannot change the dates after the policy is in force.
• Should you make a temporary trip home at any time during the period of your coverage, please call us before you resume your trip so we can ensure that you are not paying for days you don't need.
• To extend your policy while you are away, call us within 7 days of your original policy expiring. We will extend your policy for you if you have had no claims. Please remember to call before your original policy expires.
• If you return home early and request a refund, we must have proof of the date you returned to Canada. A refund will be issued if you have had no claims subject to some conditions.
• There is NO REFUND on Multi-Trip Plans once they become effective.

IMPORTANT: Proof of Departure and Return Date

It is a very important requirement of all travel insurance policies that you can provide proof of your departure as well as your scheduled return date.

Most insurance companies will ask for this information in the event of a claim during the adjudication process. This proof ensures you have fulfilled this requirement of your policy. All claims can be more paperwork than you would imagine, not just in travel insurance, but any claim under any insurance policy you may have.

If you have questions about this topic or you would like assistance understanding your claim forms, please contact Shirley or Lori at 1-800-661-3098. We are here to help.