Claim Procedures

Mail all completed claim forms and/or information to:

Travel Guard Canada
Attention: Claims Department
145 Wellington Street West
Toronto, Ontario
M5J 1H8

For Emergency Medical and Dental Benefits:

Travel Guard must be contacted before seeking medical attention and a failure to call will result in the insured being responsible for 30% of any eligible expenses incurred unless the medical condition prevents your client from calling, in which case your client must call as soon as medically possible or have someone call on their behalf.

If your client chooses not to receive treatment or services from a provider as directed by Travel Guard your client will not only be responsible for the amount of their deductible (if applicable) but also for 30% of any eligible expenses.

For Trip Cancellation, Interruption and Delay Benefits:

Your client must notify Travel Guard immediately of a cancellation, interruption or delay no later than the next business day following a cancellation, interruption or delay. Your client must provide:

proof of all non-refundable, prepaid deposits or payments
completed documentation if a medical condition was the cause for cancellation
complete unused transportation tickets and vouchers
receipts for subsistence allowance expenses
original receipts for new tickets
reports from police or local authorities documenting the missed connection or travel delay; and
invoices and receipts from travel service providers.

For Baggage / Personal Effects:

Your client must notify Travel Guard immediately of the loss or damage to baggage or personal effects. Your client must also report the loss or damage to police, local or conveyance authorities, tour operator representatives, the hotel manager or official transportation representative as soon as possible and obtain a written report. Failure to submit this written report to Travel Guard with their claim will result in the denial of your client's claim.

Your client must also submit a letter of coverage or denial from the transportation carrier and/or your client's homeowner's insurance company. As proof of loss value, Travel Guard may, at their option, request original receipts or sales slips for all lost or stolen articles claimed.

For Collision Damage Protection:

If you have purchased this optional coverage and you wish to submit a claim, you must provide:

Your car rental invoice
Your rental agreement with the record of the damages that existed when you picked up the car; and
The police report and rental car agency report including estimate of repair costs

You must file your claim with us within 30 days of the loss or damage in the case of a claim under Rental Car Protector Coverage.

Call toll-free 1-866-878-0191, or collect at 416-646-3723.

Once the claim has been reported and the claim forms received by the insured the following documents must be included in order for the claim to be processed:

Fully completed Claim Form
Proof of: insurance payment, product purchased, departure date and return date
Original: travel tickets with attached baggage receipts, bills, invoices and receipts
When requested: written incident reports, police reports, doctor/hospital records from your client's Canadian home province and/or territory of residence
When applicable: death certificate, or autopsy or corner's report (where lawful).

Non insurance services are provided by Travel Guard.

Insurance underwritten by Chartis Insurance Company of Canada, with its principal place of business at 145 Wellington Street West, Toronto, Ontario, Canada, M5J 1H8. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions.