Factor Details
Deductible options available for savings:
  • $0 deductible surcharges around 10%
  • $250 (CND) deductible saves around 0 %
  • $1,000 (CND) deductible saves around 10%
  • $5,000 (CND) deductible saves around 20%
Plans Available:
  • Multi Trip Annual Plan – 15 and 30 days available to and including age 79 years old
  • Single Trip Coverage
  • Trip Cancellation and Interruption ask about our discount if purchasing both together
  • Additional stand alone Non Medical coverage like Baggage, Trip Delay and Sport and Computer Equipment available if you have either the Medical or Trip Cancellation and Interruption coverage for your trip
Rate Information:
  • Top-up rates based on total number of days away, including days already covered by Multi-Trip Annual Plan or Other Coverage.   Rates based on age at booking.
  • $20 minimum transaction fee.
Age Restrictions:
  • No Age Restrictions on Single Trip,
  • Up to and including age 79 for Multi-Trip annual plans
Changes Prior to Effected Date:
  • Dates can be changed up until Effective Date
  • Policies can be cancelled up until Effective Date
  • No change or cancellation fees
Refunds for Returning Early:
  • Subject to no claims being made against your policy
  • Refund amount minimum $5 per Policy
  • Must supply MQIB with Proof of Return
Extensions after effective date: :
  • Subject answering no the 3 questions below
    • Have you had any claims, or do you plan to submit a claim against your policy?
    • Have you had any changes to your health or medication since departing?
    • Have any Pre-Existing Medical Conditions NOT remained stable?
  • Minimum amount of $20 per Policy