Frequently Asked Questions aboutTravelStar Trip Cancellation Insurance

Trip Cancellations plans are available to anyone provided:

• they’re a Canadian resident;
• the plan is purchased before leaving on a trip;
• the destination isn’t under a travel advisory to avoid non-essential or all travel from the Canadian government in effect at the time they purchased the plan;
• Your trip is valued at $20,000 or less; and
• medical questions have been answered if your trip is valued over $12,000, regardless of your age  

Yes, in some provinces.

No. Trips valued at more than $20,000 per person are not eligible for coverage.

No. When buying a TravelStar Trip Cancellation Plan you must insure the full amount that you pre-paid for the trip per person.

Benefits for baggage loss, damage & delay are payable up to $500 per item/set, to a maximum of $1,500 per person.

No. Your Trip Cancellation Plan covers situations where a cruise hits the bottom seabed or ends up grounding when sailing; mechanical failure, quarantine of the cruise ship or repositioning of the cruise ship due to weather conditions, earthquakes or volcanic eruptions.

Yes. There is coverage for when a company defaults. Payment is limited to an aggregated maximum of $200,000 for all GMS policy holders. If it is estimated that claims will exceed the $200,000 limit in a calendar year, benefits will be payable on a prorated basis. Please click here for further information on how and when to submit your claim.

For full instructions on what steps to take visit the Submitting Trip Cancellation & Interruption Insuance Claims page.

There’s no need to extend your policy if you’re delayed returning home. You can submit a claim for your interrupted trip once you get back home.

Yes, you can change the dates of your coverage as long as you haven’t left on your trip and your new departure date is within 18 months from the date you purchased your plan.

Our Trip Cancellation Plans offer coverage for costs that can’t be recovered when a trip is cancelled - for example a non-refundable deposit. If your supplier has offered a voucher/credit for the total value of your cancelled trip, it’s considered a full refund under your Trip Cancellation Plan. With a full refund available in voucher/credit form, there is no cost to be recovered, and a claim cannot be made.

With that said, you may be eligible for a premium refund. Please call us at 1.800.667.3699 for more information.

Any disputes over refunds and vouchers/credits should be directed to your travel provider, transportation carrier, or the Canadian Transportation Agency 

You’d be eligible for a premium refund if your travel supplier (ex. airline, tour operator, cruise ship, etc):

• cancelled the trip and gave you a full refund with all penalties waived; or
• changed the travel dates and gave you a full refund with all penalties waived because you’re unable to travel on the new dates. 

There is only coverage as long as the government did not issue a global travel advisory. Your plan will cover the cost to change your ticket or book one-way transportation home, whichever’s less. You’ll also have coverage for unused, non-refundable tickets, accommodations, car rentals, etc.

No. Coverage is only applicable when the Government of Canada has a travel advisory for your destination of “Avoid all travel” or “Avoid non-essential travel.”

No. You must wait to be sure that the Avoid all" or "Avoid non-essential" travel warning for your trip is still in place for your travel dates or still in place within 2 weeks of your originally scheduled departure date.

No. There is no coverage for any happening if the Canadian government issues a global travel advisory.

A travel advisory must be in effect on your scheduled travel dates. Due to that, you must wait to cancel your trip within 2 weeks of your departure date. Please click here for further information on how and when to submit your claim.

You have coverage as long as:  

• It meets the definition of a medical emergency in your policy
• There isn’t a global travel advisory issued
• There was no travel advisory to “avoid non-essential” or “avoid all travel” before you purchased your plan.
• For Multi-trip plans, you have coverage if there was no travel advisory in place before your purchase date or booking date.

Yes, you’d have coverage under your Trip Cancellation plan if the situation meets the policy definition of a medical emergency.

COVID-19 is considered an emergency when:

• You have a positive PCR test, and have seen a doctor for treatment. Medical treatment can be prescribed medication, recommended bed rest, fluids, etc. The doctor must also advise that you are not fit to travel.
• For a claim, you will need to include a doctor's note or have the doctor fill in the physician section on the claim form along with proof of the positive PCR test.

COVID-19 is not considered a medical emergency when: 

• You have mild to no symptoms, test positive with a rapid test, and have not consulted a doctor.

You’d be eligible for a premium refund if your travel supplier (ex. airline, tour operator, cruise ship, etc):

cancelled the trip and gave you a full refund with all penalties waived; or
changed the travel dates and gave you a full refund with all penalties waived because you’re unable to travel on the new dates. 
 
You’ll need to submit proof for us to refund the premium. Contact us for details.