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Trip Cancellation is a compulsory benefit under the MEDOC Plan. For Ontario residents, Retail Sales Tax is payable on the premium for Trip Cancellation, 10% of the listed premium rate. For Quebec residents, Retail Sales Tax is payable on the entire premium. This tax is not applicable in other provinces.
Premium Information You and your spouse can select two Single plans or one Family plan. If you are purchasing a Family plan, both you and your spouse must qualify for the same Health Option and the premium will be based on the member’s age. Dependent children are covered if you purchase the Family plan or two Single plans. The premiums shown are for an entire policy year – from September 1st to August 31st. Premiums are deducted on the 5th of each month from your bank account. When purchasing two Supplemental Plans, the full premium for both trips must be paid. If you wish to cancel the Base Plan, you must submit your request in writing on or before October 5th. Otherwise, it cannot be cancelled until the end of the policy year (September 1st each year). If you have purchased a Supplemental Plan and return home early, you may request a refund for unused units of coverage providing you and/or your dependents have made no claims. For example, if you booked a 90-day trip and came home early on day 70, the trip duration would fall between a 60-day plan and a 75- day plan. The next available option would be 75-days. Proof of early return, that identifies you specifically, will be required. If you cancel your Supplemental Plan prior to your date of departure, your monthly premium deductions will be adjusted accordingly as you will still be responsible for paying the Base Plan premium.
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