Travel Insurance Options for TourMagination Tours

Purchase Insurance

TourMagination highly recommends travel insurance with cancellation, interruption, and out-of-country emergency medical insurance coverage, and we are pleased to be able to assist you with your purchase.

Your premium is determined by:

Individual’s age at time of purchase
Length of the trip
Insured amount of the trip

For Canadians

Manulife Insurance is Canada’s largest insurance company and offers out-of-country emergency medical travel insurance. Trip cancellation and interruption insurance are also offered in a comprehensive package and will protect the investment that you have made for your tour.

The following packages are available through Manulife:

Premium Protection Plan (PPP)

The Premium Protection Plan is Manulife’s most comprehensive plan available.

Benefit Summary:

Trip Cancellation	Trip Cost
Trip Interruption	Unlimited
Emergency Medical	Up to $10,000,000
Baggage Loss or Damage	Up to $1,500
Baggage Delay	Up to $750
Flight Accident	Up to $250,000
Travel Accident	Up to $50,000

Unlike some other plans, PPP:

Is only available through a travel consultant
Does NOT require a medical questionnaire
Offers the flexibility of Cancel for Any Reason Benefit

Eligibility:

Age 74 or younger at time of purchase
Are covered with a government health insurance plan for the policy duration
Purchased the plan within 72 hours of making a deposit or initial payment

READ MORE about the Premium Protection Plan in this PDF brochure.

Please include your tour name, travel dates, and travellers’ full names and birthdates in your request.

All-Inclusive

The All-Inclusive package offers comprehensive protection beyond just emergency medical coverage. It offers the convenience of purchasing many coverages in one policy.

Benefit Summary:

Trip Cancellation	Up to covered amount
Trip Interruption	Unlimited
Emergency Medical	Up to $5,000,000
Baggage Loss or Damage	Up to $1,500
Baggage Delay	Up to $500
Flight Accident	Up to $100,000
Travel Accident	Up to $50,000

Unlike some other plans, All-Inclusive:

Does NOT require a medical questionnaire

Eligibility:

No age limit

READ MORE about the All-Inclusive plan in this PDF brochure.

Please include your tour name, travel dates, and travellers’ full names and birthdates in your request.

Non-Medical Inclusive

The Non-Medical Inclusive plan is suitable for those looking to complement their already-existing travel emergency medical coverage.

Benefit Summary:

Trip Cancellation	Up to covered amount
Trip Interruption	Unlimited
Emergency Medical	N/A
Baggage Loss or Damage	Up to $1,500
Baggage Delay	Up to $500
Flight Accident	Up to $100,000
Travel Accident	Up to $50,000

Eligibility:

No age limit

READ MORE about the Non-Medical Inclusive plan in this PDF brochure.

Please include your tour name, travel dates, and travellers’ full names and birthdates in your request.

Out of Country Emergency Medical

The Out of Country Emergency Medical plan will help protect you from unexpected emergency medical expenses while travelling. This plan offers much more substantial coverage than government health plans.

Benefit Summary:

Trip Cancellation	N/A
Trip Interruption	N/A
Emergency Medical	Up to $5,000,000
Baggage Loss or Damage	N/A
Baggage Delay	N/A
Flight Accident	N/A
Travel Accident	N/A

Unlike some other plans, Out of Country Emergency Medical:

DOES require a medical questionnaire if you are over age 60. Rates are dependent on questionnaire score.

Eligibility:

No age limit

READ MORE about the Out of Country Emergency Medical plan in this PDF brochure.

Please include your tour name, travel dates, and travellers’ full names and birthdates in your request.

For Americans

Generali Global Assistance is a leading provider of travel insurance and assistance services for consumers around the world. They offer CSA Freestyle and Freestyle Luxe policies that cover Trip Cancellation, Travel Delay, Trip Interruption and Medical Emergency Assistance.

The following packages are available through Generali:

Freestyle

Protect your tour with CSA Freestyle: their most popular plan.

Benefit Summary:

Trip Cancellation	100% of Trip Cost insured
Trip Interruption	150% of Trip Cost insured
Travel Delay *$150 daily limit per person	$1,000 per person
Missed Connection	$500 per person
Baggage Coverage	$1,000 per person
Baggage Delay	$200 per person
Medical and Dental Coverage	$50,000 per person/per plan
Emergency Assistance & Transportation	$250,000 per person/per plan
Flight Accident	$100,000 per person
Travel Accident	Not Available

Please include your tour name, travel dates, and travellers’ full names and birthdates in your request.

Freestyle Luxe

CSA Freestyle Luxe offers everything that the Freestyle plan does, plus extra protection.

Benefit Summary:

Trip Cancellation	100% of Trip Cost insured
Trip Interruption	150% of Trip Cost insured
Travel Delay *$150 daily limit per person	$1,000 per person
Missed Connection	$1000 per person
Baggage Coverage	$1,500 per person
Baggage Delay	$500 per person
Medical and Dental Coverage	$250,000 per person/per plan
Emergency Assistance & Transportation	$1,000,000 per person/per plan
Flight Accident	$100,000 per person
Travel Accident	$50,000 per person

Please include your tour name, travel dates, and travellers’ full names and birthdates in your request.

Frequently Asked Questions

Why is travel insurance necessary?

Travel insurance is important for protecting the investment you’re putting into your tour. Most prepaid expenses are non-refundable from the travel supplier. Tour Magination strongly recommends travel protection to help guard against unexpected events before and during your upcoming trip so you can travel with the peace of mind and security you deserve. The cost of this insurance is much less compared to the financial loss you could be protected from if you have to interrupt or cancel your entire trip unexpectedly. The cost of this insurance is also small in comparison to the potential costs of an unexpected medical emergency in a foreign country.

When should I buy insurance?

Many insurance plans may be purchased right up until the date of departure however, if you are considering coverage for the trip cancellation it is recommended to purchase insurance on the day your tip is booked and at the very latest on the same day as your final payment.

*If you would like to purchase Maulife’s Premium Protection Plan, you must do so within 72 hours of making your initial deposit.

What is trip interruption?

Trip interruption insurance is a post-departure benefit which covers extra costs if you need to return home sooner or later than planned. It reimburses you for non-refundable and/or non-transferable portions of unused, prepaid travel arrangements. Trip interruption could include missed connections due to airline schedule changes, unforeseen illness, injury, or death of a traveller, a travelling companion, or a non-travelling family member, postponed travel due to unsafe weather conditions, the theft or loss of an important travel document such as a passport, etc.

Can I extend my coverage if I’m doing more travel outside of the tour?

Yes. Please indicate that you would like extended coverage when you contact us for a quote for inform us before departure of your tour.

Do I have to pay upfront for medical care while I’m travelling?

In almost all cases, no. Once your insurance company has been notified of your situation, a confirmation that you purchased insurance coverage is sent to the medical provider. The medical provider will then bill your insurance provider.

There may be some medical providers who will require a small deposit or assurance that they will be paid. In the unusual event that a foreign hospital requires the patient to make a deposit or, in rare situations, pay the hospital directly, your insurance provider will promptly reimburse these expenses once they ensure that the terms and conditions of the policy have been met and all the claim documentation is received.

How do I call in an emergency?

It is crucial to call your insurance provider’s emergency number before you get emergency medical treatment.

Manulife Assistance Centre:

Call collect +1-519-945-8346 outside North America

CSA Emergency Assistance Services:

Call collect +1-240-330-1529 anywhere else in the world

I have a credit with an insurance company. Can I apply it to my upcoming tour?

Yes, you can.

For CSA policies, please contact CSA Customer Service at 800-348-9505 or visit travelinsurancecenters.com/modify to modify your policy.

*If the travel dates have already passed, the online modification form will not allow you to make your own changes. You will need to contact us to make the changes on your behalf.