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Travel
Definitions
Travel insurance
can cover the following contingencies:
- Trip Cancellation, Trip Interruption, Trip Default up to the insured trip cost
- Travel Delay after 12 hours
- Loss of Baggage and Travel Documents
- Baggage Delay after 24 hours
- Medical, Hospital, Emergency Dental
- Emergency Assistance including:
- Medical Evacuation
- Repatriation of Remains
- Visitor to Bedside
- Lodging Benefit
- Return of Dependent Children
- Common Carrier AD&D
- 24 - Hour AD&D
- Rental Car Protection
Air travel
insurance
A form of life
insurance that may be purchased by passengers of scheduled airlines. The
policy face value is paid to the named beneficiary in the event that
death results from a particular flight.
Baggage
coverage
Coverage on
the personal effects owned by and for the personal use, adornment or
amusement of the insured (or a family member of the insured) while
traveling. Coverage is written on an all-risk basis and applies anywhere
in the world.
Business
travel accident insurance
A form of
travel accident insurance that covers accidents that occur while away
from home for business purposes. Coverage usually includes all accidents
occurring while on a business trip, not just those occurring while in
transit.
Charter
fare protection insurance / trip cancellation
A special form
of accident and health insurance that reimburses an insured individual
for the cost of a tour if the insured is unable to participate due to a
covered accident or sickness. Coverage extends if the insured is unable
to make a return flight on a scheduled date because of illness. In this
case, the insured is reimbursed for the specific cost of a later return
flight.
Railroad
travel policy
A travel
accident policy for a specific train trip sold in railroad stations
through ticket agents or vending machines.
Tour
operators' errors and omissions insurance
Insurance for
organizations that organize and market travel tours by contracting with
motor coach operators, airlines, cruise ship lines, hotels and
restaurants. Coverage is provided on a claims-made basis for losses
arising from negligence, errors, omissions or bankruptcy of outside tour
operators.
Travel
agents' liability insurance
Coverage for
travel agents against claims arising out of negligent acts, errors and
omissions committed by the insured, or persons for whose acts the
insured is legally liable. Coverage usually includes employees, tour
guides and tour directors under contract. Coverage applies worldwide for
accidents or occurrences such as canceled hotel or tour reservations,
lost luggage and misleading travel brochures.
Insurance Sources
(General - Not necessarily accessible by TCIM)
- CAA
- Manitoba Blue Cross
- Mondial Assistance - Mondial Assistance safeguards Canadian travellers around the globe, day and night, as part of Mondial Assistance Group, the world's largest travel insurance and assistance provider.
- RBC Insurance
- TravelGuard
- Travel Underwriters
Resources
