1. Why do I need travel insurance?
2. What are the benefits of getting Trip Cancellation/Interruption coverage?
3. What if the value of my trip exceeds the maximum Trip Cancellation/Interruption coverage I am able to purchase online?
    (I.e. I could lose more than $3,000 if I have to cancel or change my travel plans?)
4. What are the benefits of getting Medical/Personal Accident coverage?
5. How do I make a claim?
6. What if I turn 65 during the course of my coverage?
7. What if my exam schedule gets changed?
8. If I'm travelling in a group, is there any discount to purchasing insurance on the same policy?
9. What if I decided to stay on vacation a while longer - can I extend my insurance coverage?
10. Who is eligible for Bon Voyage Travel insurance coverage?
11. Do I have to make my travel arrangements with Travel CUTS in order to purchase Bon Voyage Travel insurance?
12. Do I have to buy insurance for the entire duration of my trip?
13. What do I do if I have a medical emergency?
14. Will I be covered if I'm injured while mountain climbing/bungee jumping or any other types of high-risk sporting activities?
15. Does Bon Voyage Trip Cancellation cover penalties and fees related to tickets acquired through points (eg. Aeroplan) or Air Miles?

1. Why do I need travel insurance?

Travel insurance can be your most important purchase. No one plans to have an accident or incident. But if something happens, the results could have serious financial implications. For example, treating some injuries or illness, even seemingly small ones, can have a significant financial cost when you’re travelling anywhere outside your home province. If something as simple as a change to your exam schedule happens, insurance can mean the difference between being covered for a new ticket or not. No one who was in a serious accident overseas thought it would happen to them-insurance is your safety net just in case.

2. What are the benefits of getting Trip Cancellation/Interruption coverage?

Trip Cancellation/Interruption will protect you from costs arising if you have to cancel, delay, or interrupt your trip due to serious illness of either yourself, someone travelling with you, or a close family member. You’re also covered if you have to cancel or cut short your travels for reasons including being called for jury service, exam schedule changes, acts of terrorism or government issued travel advisories, or the failure of a travel supplier (with some limitations). You’re also covered for up to $150 towards out-of-pocket expenses for certain flight delays, and catch-up costs of up to $1500 in some cases if you miss a connection.

3. What if the value of my trip exceeds the maximum Trip Cancellation/Interruption coverage I am able to purchase online?

You are covered to a maximum of $5000 when you purchase Plan A or Plan B. You are covered to a maximum of $3000 when you purchase Plan C.

4. What are the benefits of getting Medical/Personal Accident coverage?

Your provincial health coverage is limited, and will not cover all the expenses that you could incur as the result of an accident when travelling out of province. Bon Voyage™ covers up to $1,000,000 for emergency medical or hospital expenses, including up to $1500 for emergency dental expenses. It also covers the cost of someone else travelling to join you or stay with you if you are injured. Bon Voyage™ also covers up to $50,000 in the case of accidental death (including in flight), or loss of limb, sight, or permanent total disablement while travelling.

5. How do I make a claim?

If you purchased your policy prior to Oct 1, 2007 submit a claim to:

In provinces other than Quebec:
Potruff and Smith Travel
Insurance Brokers Inc.
8001 Weston Road, Suite 300
Woodbridge On
L4L 9C8
Phone Toll Free 1-800-361-3119
Fax 905-856-1539

In Quebec:
Potruff and Smith Courtiers
d'Assurance Voyage Inc.
83, rue Turgeon, Bureau 300
Ste-Therese, Quebec
J7E 3H7
Phone Toll Free 1-800-361-3119
Fax 450-434-5543
Email : bonvoyage@potruffsmith.com

If you purchased your insurance after October 1,2007 please contact

Global Excel Management Inc.
73 Queen Street
Sherbrooke, Quebec
Canada, J1M 1J3
Tel: (819) 562-6101
Fax: (819) 566-7351
Toll: (866) 505-5027

Helpful hint: In the event of an emergency during a covered trip, you must call global Excel immediately, prior to seeking treatment.

6. What if I turn 65 during the course of my coverage?

You must be under 65 when you purchase your insurance. If you turn 65 during your trip, you are covered until your insurance expires.

7. What if my exam schedule gets changed?

If your school exams get cancelled:

You will need to provide letter from your college or university (on letterhead) explaining the reason why you need to cancel your covered trip.
Your travel arrangements and insurance must be booked prior to receiving the notice of such a change

8. If I'm travelling in a group, is there any discount to purchasing insurance on the same policy?

There is no discount to group bookings. It is actually to your advantage to buy individual policies
because of the possibility that people in the group may change their plans.

9. What if I decided to stay on vacation a while longer - can I extend my
insurance coverage?

Yes, call Travel CUTS Flightline at 1-866-246-9762 to extend your coverage up to a maximum of 18 months if you have not already made a claim not more than 10 days before your coverage expires.

10. Who is eligible for Bon Voyage Travel insurance coverage?

Anyone who is age 64 or less and covered by a Government health insurance plan in his Canadian province or territory of residence OR has a Canadian University Health Insurance Plan.

11. Do I have to make my travel arrangements with Travel CUTS in order to purchase Bon Voyage Travel insurance?

No, you are able to purchase Bon Voyage Travel insurance irrelevant of where you have made your travel arrangements.

IMPORTANT: If you have purchased all sectors of your trip at the same time with one credit card transaction on the Travel CUTS website, the connection times provided by the airline are adequate for coverage under the Missed Connection section of the Bon Voyage travel insurance policy.

If you purchased 2 or more tickets (for each person traveling) on the Travel CUTS website or on any other website, resulting in more than one credit card transaction, the following minimum connecting times between tickets will apply to be eligible for coverage under the Missed Connection section of the Bon Voyage travel insurance policy:

a) a minimum of 2 hours is required for domestic airline connections
b) a minimum of 4 hours is required for transborder or international connections
c) a minimum of 8 hours is required for connections between an airline and land tour or cruise.

It is in your best interest to always purchase coverage for the entire duration of your trip to ensure that you are fully protected.

13. What do I do if I have a medical emergency?

If you hold a policy purchased prior to Oct 1 2007
please call the 24 Hour Emergency Assistance Worldwide Service
In USA/Canada 1-800-459-4154
Elsewhere 416 977 2294 ( they accept Collect calls )

If your policy was purchased after Oct 1 2007:
If you have an emergency during your trip that requires assistance, medical treatment or
hospitalization, you must contact the global Excel at:
1-866-505-5027 - Toll free in Canada and the U.S.A.
From elsewhere, call collect - 819-562-6101

In the event of an emergency during a covered trip, you must call Global Excel, immediately, prior to seeking treatment. If it is not reasonably possible for you to contact Global Excel prior to seeking treatment, due to the nature of your emergency, you must have someone else call on your behalf or you must call as soon as medically possible. Failure to do so will limit benefits payable to you to 70% of eligible expenses, based on reasonable and customary costs. You will be responsible for payment of any remaining charges.

14. Will I be covered if I'm injured while mountain climbing/bungee
jumping or any other types of high-risk sporting activities?

To fit your active lifestyle, all kinds of activities are covered while you're away, such as (but not limited to): Ballooning, Bungee Jumping, Diving, Gliding, Hiking, Jet-Boating, Kayaking, Parachuting, Paragliding, Skiing/Showboarding, Suring, Whitewater rafting. Bon Voyage does not cover losses or expenses caused directly or indirectly, in whole or in part, by: Participation in: a. any sports as a professional athlete (person who engages in an activity as one's main paid occupation); b. any competitive motorized sporting events, racing or motorized speed contests; c. scuba diving (unless you hold a basic SCUBA designation from a Canadian certified school) or hang-gliding.
Any lump sum payments for losses related to extreme sports under the Personal Accident coverage are excluded.

15. Does Bon Voyage Trip Cancellation cover penalties and fees
related to tickets acquired through points (eg. Aeroplan) or Air Miles?

If you cancel prior to departure, Bon Voyage Trip Cancellation will cover administrative handling fees on any travel rewards program to reinstate points to client accounts .