• Non-refundable airfare, hotel or condo fees and other prepaid travel costs if you must cancel your trip. 
• Single supplement or additional costs charged if your traveling companion cannot accompany you. 
• Extra costs incurred for missed connections if your departure is delayed due to weather or mechanical failure of the carrier. 

• Airfare, change fees and the non-refundable portion of other prepaid travel costs, if you must return earlier or later than the contracted date of return.
• Additional costs and non-refundable portion of other prepaid travel costs to rejoin a tour or group if you miss part of your trip.
• Additional transportation costs for missed connections due to mechanical failure of the carrier, traffic accident, road closure or weather conditions.
• Repatriation expenses if a person deceases to a maximum of $3,000 per person.
• Out-of-pocket expenses to $500 if your return date is delayed.  

Emergency treatment that delays or prevents you from travelling before or after departure; admission to hospital.

Complications of a pregnancy arising in the first 31 weeks, involving you, your spouse or an immediate family member.

Death of an immediate family member, business partner, key employee, caregiver or host at a destination. 

Travel advisories issued by the Canadian Government recommending against travel to the country you are scheduled to visit or the non-issuance of travel visas for reasons beyond your control. 

Loss of permanent employment or relocation due to a job transfer; a cancelled business meeting. 

Delay in travel due to weather conditions, mechanical failure, a traffic accident, emergency, police-directed road closure, airline schedule change or cancellation of an event that was the purpose of your trip that cause you to miss a portion of your non-refundable prepaid travel arrangements. 

Delays due to natural disaster; an act of terrorism before or after departure; hijacking or forced quarantine; jury duty or subpoena to be a witness; default of travel supplier.