Travel Insurance Bill of Rights & Responsibilities

The Travel Insurance Bill of Rights and Responsibilities builds upon the following key elements of travel health insurance: 

1. Understand your travel insurance policy – Insurance providers have staff available to answer any questions related to policies
2. Know your health and consult a health care provider if you have any questions
3. Know your trip - How long will you be gone? Are you a snowbird? Will you be travelling many times during the year?

Under THIA’s Travel Insurance Bill of Rights and Responsibilities travellers have the right to:

1. A No Obligation Purchase: Travel insurance providers will allow a minimum 10-day free review of the policy.
2. Be Informed: You will receive your policy documentation and confirmation of coverage outlining the policy terms and conditions whether purchased in person, over the phone or online.
3. Request Clarification: You may ask questions about the travel insurance you have purchased.
4. Review & Modify Medical Screening: You will receive a copy of the answers you provided on the medical questionnaire prior to the start of your policy.
5. Receive Worldwide Assistance & Toll-free Support: You have 24/7 access to the help you need when you need it from your travel insurance provider.
6. Fair & Prompt Claims Handling: You will have a timely and transparent communication process.
7. Escalate & Appeal: You may challenge decisions and request additional reviews with new information.
8. Confidentiality: Your personal information will be protected in all dealings with your travel insurance provider.
9. Know Your Insurer: Your policy will clearly identify the underwriter of your travel insurance and the process to file and resolve complaints.
10. Your Preferred Language: You may transact and correspond about all components of your travel insurance in English or French.

Travellers are responsible for the following:  

1. To Provide Accurate Information: The travel insurance application needs to be completed accurately.
2. To Understand Your Policy: Take the time to read and understand your policy.
3. To Travel With Proof of Insurance: Have your policy number and emergency assistance contact information easily accessible.
4. To Notify Your Travel Insurance Provider: Provide prompt and timely communication when a claim situation arises and provide all requested documentation related to your claim including all relevant receipts.