To be eligible for stand-alone Trip Cancellation & Interruption Insurance under this policy, you must:

• be living in Canada or travelling through Canada; and 
• have paid the appropriate premium

Under Trip Cancellation & Interruption Insurance, coverage will include travel within your province or territory of residence.

Effective Dates and Expiry Dates

Your Coverage starts:

For Trip Cancellation, on the date the policyholder pays the premium for this coverage.

For Trip Interruption coverage, on the later of:

• the departure date; or
• the effective date as stated on the confirmation.

Your Coverage ends:

For Trip Cancellation, on the earliest of:

• the departure date;
• the date the policyholder cancels their trip;
• the expiry date shown on the confirmation.
  

For Trip Interruption, on the earliest of:

• the date you return home; or
• the expiry date shown on the confirmation.

Refunds and Cancellations are not permitted on any All-Inclusive plans.

Full refunds for standalone Trip Cancellation & Interruption Insurance is available if:

• you cancel your trip before any cancellation penalties are in effect; or
• the common carrier or travel supplier cancels the entire trip and all penalties are waived; or
• the common carrier or travel supplier changes the policyholder's trip dates and you are not able to travel and all penalties are waived.

1. Premium rates are in $CDN per person.
2. Rates are subject to change without notice.
3. Premium due is based on:
   1. The sum insured;
   2. The age at the time of application.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

• If you purchased an All-Inclusive Policy, you must call the Assistance Centre in a medical emergency and prior to any treatment. Otherwise, you will have to pay 20% of the eligible medical expenses we would normally pay under this policy. If it is medically impossible for you to call, please have someone call on your behalf.
• If you are submitting a paper application, make sure it is signed and dated prior to the effective date. If coverage is not arranged prior to the effective date, coverage begins on the day following Manulife's or the advisor/agent’s receipt of the executed confirmation form and payment. In the event we are unable to process payment, coverage will not be in effect.
• Read the policy with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.
• The Wallet Card and Manulife Financial Travel Insurance policy should be kept with you at all times when travelling. The Wallet Card includes telephone numbers in case of an emergency or if an extension is required. The Wallet Card is found in the policy.