Products Why Buy Travel Insurance?

Province of Residence

Please select the Province the insurance is being issued in.
If all travellers are not from the same province and/or country, or, if your residence country and departure country do not match, there is a possibility you will have to purchase separate policies and reenter your application.

Country of Residence:	UNITED STATES OF AMERICACANADAGUAMAFGHANISTANAMERICAN SAMOAANGUILLAANTIGUA AND BARBUDAARGENTINAARUBAAUSTRALIAAUSTRIABAHAMASBAHRAINBANGLADESHBARBADOSBELARUSBELGIUMBELIZEBERMUDABOLIVIABOSNIA AND HERZEGOVINABOTSWANABRAZILBULGARIABURMACAMBODIACAYMAN ISLANDSCHILECHINACOLOMBIACOSTA RICACROATIACUBACURACAOCYPRUSCZECH REPUBLICDENMARKDOMINICADOMINICAN REPUBLICDUTCH CARIBBEANECUADOREGYPTEL SALVADORESTONIAFEDERATED STATES OF MICRONESIAFIJIFINLANDFRANCEGABONGEORGIAGERMANYGHANAGRANADAGREECEGUADELOUPEGUATEMALAGUYANAHONDURASHONG KONGHUNGARYINDIAINDONESIAIRANIRELANDISRAELITALYJAMAICAJAPANJAWAJORDANKAZAKHSTANKENYAKYRGYZSTANLATVIALEBANONLIBYALITHUANIAMALAYSIAMARTINIQUEMEXICOMEXICOMOROCCONAMIBIANEPALNETHERLANDSNETHERLANDS ANTILLESNEW ZEALANDNICARAGUANIGERIANORWAYPAKISTANPANAMAPAPUA NEW GUINEAPARAGUAYPERUPHILIPPINESPOLANDPORTUGALPUERTO RICOROMANIARUSSIASAINT KITTS AND NEVISSAINT VINCENT & THE GRENADINESSAUDI ARABIASERBIA AND MONTENEGROSINGAPORESLOVAKIASOUTH AFRICASOUTH KOREASPAINSRI LANKAST. AARTENST. CROIXST. LUCIAST. MARTINSUDANSWEDENSWITZERLANDSYRIATAHITITAIWANTHAILANDTIBETTRINIDADTURKEYTURKS & CAICOS ISLANDSUGANDAUKRAINEUNITED ARAB EMIRATESUNITED KINGDOMURUGUAYVENEZUELAVIETNAMZAMBIAZIMBABWEOTHERS
Province of Residence:	MANDATORY,PLEASE SELECTALBERTABRITISH COLUMBIAMANITOBANEW BRUNSWICKNEWFOUNDLAND AND LABRADORNORTHWEST TERRITORIESNOVA SCOTIANUNAVUTONTARIOPRINCE EDWARD ISLANDQUEBECSASKATCHEWANYUKON

Copyright © 2011, Travel Guard.

Non insurance services are provided by Travel Guard.

Terms of Use | Privacy Policy

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.

Products Why Buy Travel Insurance?

Province of Residence

Please select the Province the insurance is being issued in.
If all travellers are not from the same province and/or country, or, if your residence country and departure country do not match, there is a possibility you will have to purchase separate policies and reenter your application.

Country of Residence:	UNITED STATES OF AMERICACANADAGUAMAFGHANISTANAMERICAN SAMOAANGUILLAANTIGUA AND BARBUDAARGENTINAARUBAAUSTRALIAAUSTRIABAHAMASBAHRAINBANGLADESHBARBADOSBELARUSBELGIUMBELIZEBERMUDABOLIVIABOSNIA AND HERZEGOVINABOTSWANABRAZILBULGARIABURMACAMBODIACAYMAN ISLANDSCHILECHINACOLOMBIACOSTA RICACROATIACUBACURACAOCYPRUSCZECH REPUBLICDENMARKDOMINICADOMINICAN REPUBLICDUTCH CARIBBEANECUADOREGYPTEL SALVADORESTONIAFEDERATED STATES OF MICRONESIAFIJIFINLANDFRANCEGABONGEORGIAGERMANYGHANAGRANADAGREECEGUADELOUPEGUATEMALAGUYANAHONDURASHONG KONGHUNGARYINDIAINDONESIAIRANIRELANDISRAELITALYJAMAICAJAPANJAWAJORDANKAZAKHSTANKENYAKYRGYZSTANLATVIALEBANONLIBYALITHUANIAMALAYSIAMARTINIQUEMEXICOMEXICOMOROCCONAMIBIANEPALNETHERLANDSNETHERLANDS ANTILLESNEW ZEALANDNICARAGUANIGERIANORWAYPAKISTANPANAMAPAPUA NEW GUINEAPARAGUAYPERUPHILIPPINESPOLANDPORTUGALPUERTO RICOROMANIARUSSIASAINT KITTS AND NEVISSAINT VINCENT & THE GRENADINESSAUDI ARABIASERBIA AND MONTENEGROSINGAPORESLOVAKIASOUTH AFRICASOUTH KOREASPAINSRI LANKAST. AARTENST. CROIXST. LUCIAST. MARTINSUDANSWEDENSWITZERLANDSYRIATAHITITAIWANTHAILANDTIBETTRINIDADTURKEYTURKS & CAICOS ISLANDSUGANDAUKRAINEUNITED ARAB EMIRATESUNITED KINGDOMURUGUAYVENEZUELAVIETNAMZAMBIAZIMBABWEOTHERS
Province of Residence:	MANDATORY,PLEASE SELECTALBERTABRITISH COLUMBIAMANITOBANEW BRUNSWICKNEWFOUNDLAND AND LABRADORNORTHWEST TERRITORIESNOVA SCOTIANUNAVUTONTARIOPRINCE EDWARD ISLANDQUEBECSASKATCHEWANYUKON

Copyright © 2011, Travel Guard.

Non insurance services are provided by Travel Guard.

Terms of Use | Privacy Policy

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.

Coverage Choices. A plan to meet every lifestyle

Term plans provide guaranteed rates for a specified period of time to give you the right level of protection for the right period of time.

SmartTerm Term 10 is a 10 year renewable term product to age 85. The premium rates are guaranteed and increase at each 10th policy anniversary. There is also a conversion option that allows this plan to be converted anytime prior to age 70 to any eligible permanent plan.

SmartTerm Term 20 is a 20 year renewable term product to age 85. The premium rates are guaranteed and increase at each 20th policy anniversary. There is also a conversion option that allows this plan to be converted anytime prior to age 70 to any eligible permanent plan.

Mortgage Protector Plus (MPP) is a plan designed for the individual looking for flexibility. Mortgage insurance traditionally is paid in the event of a death directly to the lender. In addition, as your mortgage principle is reduced so is your benefit amount, however your insurance premiums stay the same. MPP offers you the flexibility of choosing who your beneficiary will be, either the bank, your spouse or even your children. Your coverage decreases at your request so a surplus is available to your family, your coverage is convertible at any time to a permanent plan, and lastly the cost to you is substantially less. Use our SmartTerm calculator and decide for yourself. Getting more for less – how smart is that.

Coverage Choices. A plan to meet every lifestyle

Term plans provide guaranteed rates for a specified period of time to give you the right level of protection for the right period of time.

SmartTerm Term 10 is a 10 year renewable term product to age 85. The premium rates are guaranteed and increase at each 10th policy anniversary. There is also a conversion option that allows this plan to be converted anytime prior to age 70 to any eligible permanent plan.

SmartTerm Term 20 is a 20 year renewable term product to age 85. The premium rates are guaranteed and increase at each 20th policy anniversary. There is also a conversion option that allows this plan to be converted anytime prior to age 70 to any eligible permanent plan.

Mortgage Protector Plus (MPP) is a plan designed for the individual looking for flexibility. Mortgage insurance traditionally is paid in the event of a death directly to the lender. In addition, as your mortgage principle is reduced so is your benefit amount, however your insurance premiums stay the same. MPP offers you the flexibility of choosing who your beneficiary will be, either the bank, your spouse or even your children. Your coverage decreases at your request so a surplus is available to your family, your coverage is convertible at any time to a permanent plan, and lastly the cost to you is substantially less. Use our SmartTerm calculator and decide for yourself. Getting more for less – how smart is that.

Why Term Insurance?

Why Term Insurance? It’s a smart, trusted way
to protect your family

If you could always be there, watching over those you love, you wouldn’t need life insurance. But since you can’t, life insurance is essential for your family’s future and your peace of mind. After all, if you were to pass away suddenly, what would happen to those who depend on your financial support?

SmartTerm Life Insurance is a simple, low-cost solution which provides you with a guaranteed rate for the period you have chosen, and cash benefits from $100,000 to $5,000,000.
With SmartTerm insurance you can:

* Help prevent your financial responsibilities from burdening your family
* Cover obligations such as funeral costs and final medical expenses.
* Help protect your spouse and children from losing what you worked for both now and long into the future
* Make sure there is something to pass on to your children and grandchildren for their future

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