If a member needs to cancel or misses part of their trip due to an unexpected reason, they may be eligible for reimbursement through [Trip Cancellation or Interruption Insurance](https://qc.bluecross.ca/partner-guide/products-coverages/TCI). These benefits cover any unused, prepaid, non-refundable travel expenses, up to a maximum of $20,000 per contract.

**Trip Cancellation Insurance** will reimburse the member for any prepaid, non-refundable travel expenses if the trip needs to be canceled before departure due to an unforeseen event.

**Trip Interruption Benefits** apply if the member misses' part of their trip after departure due to a covered unexpected event.

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**Eligibility and Stability Requirements:**

- **Medical Stability** – Applies to all ages and trip durations:

  - A 3-month stability period must be in place before the coverage effective date.

- **Age 55+** – Applies to any trip duration:

  - Medical eligibility questions must be answered as usual.
  - No medical questionnaire or Health Declaration is required.

Indicate if the sale is by phone/email by clicking **"Yes".**

If the customer is with you, in office, click **"No".**

Click the **"Calendar"** icons and select the **departure** and **return** dates.

1. Input the amount of prepaid, non-refundable travel expenses that the traveler(s) would like to secure coverage for, up to a maximum of $20,000 per contract.

2. Complete the required fields for *all* travelers.

3. To remove an individual from the quote/application, click the icon under **Action** beside the name of the person you wish to delete or remove from the application.

Click **"Continue"** to proceed.

A **"Warning Notice"** will appear, indicating that you have reached the eligibility questions of the application.

The eligibility questions (Knockout questions) are automatically generated for all travelers aged **55 and over.**

Click **"Close"** to continue.

1. These questions are automatically generated for travelers subject to Health Declaration B & C. A **"Yes"** response to any of these questions will render the traveler ineligible for coverage.

2. It is crucial that these questions are answered properly. Click the **radio button** to confirm.\
   (*If the customer has any concerns or is unsure how to respond, they should consult their attending physician.)*

3. Click **"Continue"** to proceed

1. When purchasing Baggage Insurance as a stand-alone product select **"Individual"** then select **"Trip Cancellation/Interruption".** For additional details on available products and coverage, please refer to the [Partner Guide.](https://qc.bluecross.ca/partner-guide)
2. Once selected, the **product** and coverage options will turn **blue**, indicating they are being applied for.

Click **"Continue"** to proceed.

Quote - Notice Regarding Pre-Existing Conditions

A **"Warning Notice"** will appear, indicating that you have reached the Notice Regarding Pre-Existing Conditions section of the application.

Medical stability applies to *all ages and trip durations*, requiring a **3-month stability period** to be in place before the coverage effective date.

Click **"Close"** to continue.

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Please read the instructions thoroughly and carefully review the medical questions with the traveler(s).

Click the **"checkbox"** to confirm that you have fully reviewed the Pre-Existing Conditions Clause with the customer.

*(Note: Hover of the linked text for more information)*

1. Click the **"+"** to expand the list of insured individuals and review their details to ensure all travelers are correctly included in the policy.
2. Verify the benefits and coverages selected.
3. Review the total policy premium.
4. Tick the **checkbox** to confirm that you have reviewed the Flight Delay Service benefits with the customer.

Click **"Continue"** to proceed.

1. Complete the required **Home Address** and **Mailing Address** fields.
2. Enter the customer's email address. *(If the customer does not have an email address, you may use your advisor email. Note that if a medical questionnaire is required, the underwriting outcomes will be sent to the email address entered in this field.)*
3. Click the **radio button** to "**Confirm having obtained the customer's consent...**" if using your advisor or agency’s email address. Alternatively, select the **radio button** for **"I don't have to obtain this consent since the contract information will be sent directly to my customer."**
4. Click **"Continue"** to proceed to the payment screen, or select **"Save Quote"** to save the quotation for 30 days.

Info-Partners

This guide offers essential information on Trip Cancellation and Interruption Insurance, detailing how members can claim reimbursement for unexpected trip cancellations or interruptions, covering up to $20,000 in non-refundable expenses.

Quote/Issue - Trip Cancellation/Interruption (Stand-Alone)

Quote - Trip Information

Quote - Declaration of Eligibility

Quote - Available Products

Quote - Notice Regarding Pre-Existing Conditions

Summary of Contract

Confirmation of the Insured