Journey insurance coverage is an indispensable instrument for travellers—it’s meant to guard individuals towards medical prices from surprising emergencies, and as passengers, towards bills associated to the cancellation, interruption or delay of journey preparations. As proud members of the Journey Well being Insurance coverage Affiliation of Canada (THiA), TuGo’s shared intention is to guarantee that submitted journey insurance coverage claims have a good alternative to be paid. Other than providing peace of thoughts to Canadian travellers, we need to instill confidence in shopping for journey insurance coverage merchandise by making certain shoppers we help their rights.
Journey Insurance coverage Invoice of Rights and Duties
THiA and others throughout the trade have put collectively the Journey Insurance coverage Invoice of Rights and Duties, with the 4 golden guidelines of journey insurance coverage at its basis: know your well being, know your journey, know your coverage and know your rights.
Right here’s a abstract of your key Rights and Duties as a traveller. To learn the total checklist, obtain the PDF right here.
You could have the suitable to:
Be told
You’ll obtain your coverage documentation and affirmation of protection outlining the coverage phrases and situations whether or not bought in particular person, over the telephone or on-line.
Obtain worldwide help & toll-free help
You could have 24/7 entry to the allow you to want while you want it out of your journey insurance coverage supplier.
Honest & immediate claims dealing with
You’ll have a well timed and clear communication course of.
Escalate & enchantment
You might problem selections and request further opinions with new data.
Confidentiality
You might problem selections and request further opinions with new data.
You could have the accountability to:
Present correct data
The journey insurance coverage utility must be accomplished precisely. This contains informing the supplier about any pre-existing medical situations you may need.
Perceive your coverage
Take the time to learn and perceive your coverage. We all know it’s rather a lot to learn, however it may well imply the distinction between getting a declare permitted or denied!
Notify your journey insurance coverage supplier
Present immediate and well timed communication when a declare scenario arises and present all requested documentation associated to your declare together with all related receipts.
Air Passenger Safety Laws
Travellers—particularly air passengers—are additional protected beneath the newly amended Air Passenger Safety Laws by the Canadian Transportation Company (CTA), which got here into full impact in February 2025. These adjustments improve and make clear airline obligations for flights to, from, and inside Canada, offering stronger protections and enforcement.
Listed below are a number of the most impactful updates:
- Improved transparency necessities:
Airways should now talk passengers’ rights extra clearly and in plain language, together with particular causes for delays and cancellations. - Compensation for delays and cancellations:
Passengers could now obtain as much as $1,200 (beforehand $1,000) for controllable delays and cancellations not associated to security considerations. - Denied boarding compensation:
If boarding is denied for causes inside an airline’s management (e.g., overbooking), compensation could now attain $2,800. - Necessary rebooking and refunds:
If delays exceed 3 hours, airways should rebook passengers on the subsequent out there flight—together with on a competing airline at no additional price—if their very own flight is unavailable inside an inexpensive time-frame. - Tarmac delays:
Passengers have to be allowed to disembark after 3 hours if takeoff is just not imminent and it’s protected to take action. Extra necessities for onboard care now apply throughout prolonged delays. - Household seating rights:
Youngsters beneath 14 have to be seated close to an accompanying grownup—freed from cost, with stricter enforcement now in place. - Baggage rights and refunds:
Clearer refund procedures are actually mandated for misplaced or broken baggage, together with automated refund of bags charges. - New guidelines for accessibility and musical devices:
Airways should publish clear insurance policies for the carriage of mobility aids and musical devices, with fines of as much as $35,000 for non-compliance (elevated from $25,000).
These 2025 updates intention to carry airways extra accountable and empower passengers with stronger authorized recourse. For the whole checklist of latest guidelines, go to the CTA’s web site or keep tuned to our weblog for any new updates.
Protected travels,
Marie