Non medical protections
Since your medical coverage protects you from expenses related to an emergency medical situation, all other aspects of your trip are not covered by this kind of policy. This is why the purchase of a non medical protection is important. Protect yourself against a wide variety of travel emergencies such as: lost or stolen baggage, delayed or concelled flights, missed connections, cancelled cruises, etc.
Tour+Med's non medical protections are available for travelers aged between 3 months and 85 years old, having their residence in Ontario, Quebec or New Brunswick.
You could purchase a stand-alone Trip cancellation and interruption protection, or our Non medical package.
Non medical package
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Trip cancellation and interruption
Available for single trips of 183 days and less (212 days for Ontario residents), this insurance covers your losses for pre-paid, non-refundable travel arrangements, resulting from a trip cancellation or interruption.
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Baggage insurance
Baggage protection if your bags or personal effects are lost, delayed, damaged or stolen.
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Accidental death and dismemberment insurance
Coverage for death and mutilation caused by a travel or flight accident.
Details of the non medical protections
About Tour+Med plans
Discounts, and even more discounts
Everybody loves discounts! Even if our premiums are competitive, we still offer a variety of discounts so you can save more. Ask your representative about our 2 travelers discount
2 travelers discount
Receive a 5% discount when 2 people travel together and are insured on the same policy.
Combined rebate
Get a 5% discount when you purchase medical and non medical protections simultaneously (such as trip cancellation and interruption coverage, for example).
Early bird discount
Discount available during a specific period only, at the beginning of the sales season. Official dates and percentage vary from one year to another and are subject to change without notice, but the discount is usually available from the beginning of July until the beginning of September.
or our Loyalty discount.
Loyalty discount
Discount ranges from 2% to 5%, based on the number of consecutive seasons during which you bought a policy from the same distributor.
You could save more than 15 % on your premium's initial value !
Top-ups
When insured through your employee benefit program or your credit card, your coverage is usually limited to a specific duration. We can top-up your existing plan for the extra days, so that your whole trip is covered. You must check that top-ups are permitted by the companies issueing your existing travel policies.
Extension of coverage
To extend the policy period, you must contact us, or your representative, at least 5 days prior to the expiration date written on your policy. You will only have to pay for the additional premium, if applicable.
(Any condition for which you received treatments in the initial portion of your policy will automatically be excluded, beginning on the first day of your extension. The Insurer reserves the right to grant or deny an extension of coverage, on a case-by-case basis. No extension request can be permitted after the expiration date of the initial policy.)