Trip Cancellation or Interruption benefit covers any situation that:
(Not Available to US citizens)  

• is unknown at the time of purchase;
• directly affects the covered person;
• is beyond the control of the covered person (or travelling companion);
• is sufficiently serious;
• does not appear in the list of Exclusions and Reductions of coverage,

The points above apply to situations where the client must cancel,
interrupt, extend or modify his trip. Certain exclusions and reductions of coverage apply to this benefit.
Please read the description of this benefit in the travel insurance policy.

Benefits
The insurer shall pay the benefits specified below:
1. Non-refundable prepaid expenses - The non-refundable portion of unused prepaid travel expenses
when the covered person cancels, interrupts or misses part of the planned trip,
2. New occupancy charges - The additional cost of new occupancy charges incurred by the covered person who chooses to continue his trip when a travelling companion must cancel.
3. Additional transportation costs  - All extra costs associated with the most economical transportation
(including charges for schedule changes) to the destination or back to the departure point when the covered person must interrupt, extend or modify his trip,
4. Vehicle return costs  - The cost of returning a covered person's vehicle, either private or rental, to the covered person's residence, subject to a maximum refund of $5,000, when the covered person is unable to return the vehicle as planned.

5. Subsistence allowance - An allowance up to a maximum of $3,000 (maximum $300 per day) for accommodation, meals in a commercial establishment, essential phone calls and transportation by taxi;

• during transit to get to the destination when the covered person must modify the trip, or:
• during transit to get back to the departure point when the covered person is unable to return by the planned means, or;
• when the covered person must extend his trip.

6. Costs for returning the remains of a deceased person - In case of death, the cost of preparation and transportation of the deceased person (excluding the cost of a coffin) to the province of residence, or for the cost of cremation or burial at the place of death, up to a maximum of $10,000.

IMPORTANT

Knowledge, at the time of the purchase of the insurance, of any event that could reasonably prevent your client from making the trip as planned, cannot be considered as a valid cause of cancellation.

The cause for the trip cancellation or interruption must not appear under this benefit's Exclusions and Reductions of coverage, which are detailed in the travel insurance policy.

The insured amount must be equivalent to the total prepaid travel expenses that are non-refundable. If the covered person purchases the insurance for only a part of prepaid and non-refundable travel expenses, the settlement will be reduced in proportion to the insured amount indicated in the travel insurance certificate and the non-refundable prepaid travel expenses.

When a covered event occurs prior to the departure date:

• the covered person must contact his travel agent within 48 hours to cancel his trip and notify the insurer within the same period. Reimbursement shall be limited to the amounts that are non-refundable at the date of the event;

• the travel agent must IMMEDIATELY contact the provider to cancel the reservation.