Churchill Polar Bear Adventure Day Tour

Insurance Information and Costs

Heartland International Travel & Tours

202 - 3111 Portage Avenue

Winnipeg, Manitoba, Canada R3K 0W4

Optional Insurance Package : Insurance coverage is strongly recommended. Please note that for some previous tours, passengers declined the purchase of insurance and subsequently had to cancel their travel plans due to unexpected accidents.nobody plans to have an accident. Air and hotel cancellation penalties took effect and considerable sums of money were lost. See what type of coverage is applicable to you and then make your decision accordingly.

1) Travel Within Canada Travel Insurance:

Travel Within Canada insurance is available to Canadian residents only and travel must be within Canada for the entire trip. It covers you for emergency medical costs that you may incur while you are on your tour; it also covers for any cancellation penalties you may be required to pay in the event that you have booked and paid for everything, and then can't go due to an unexpected medical reason. The key word is " unexpected "... the insurance will not cover for existing medical situations/conditions, or if you simply change your mind and don't want to go. In addition, the insurance will also cover you if someone in your immediate family becomes ill, due to unexpected medical reasons, and this prevents you from traveling. Terms and conditions are as per RBC's insurance policy. In the event of a claim, RBC Insurance will require a doctor's certificate to substantiate the claim.

Travel Within Canada Package covers you for the following:

   * Trip cancellation & interruption (i.e. covers for air and/or hotel cancellation penalties that may apply)

   * Subsistence allowance of up to $3,500.00 at the destination if you cannot return as originally scheduled

   * Unlimited hospital, medical coverage

   * Air flight accident insurance up to $100,000

   * Travel accident insurance up to $50,000

   * Baggage & personal effects insurance up to $1,000.00, and delay of baggage up to   $400.00

2) Non-medical Travel Insurance:

This option is for those who already have extended medical coverage. You are insured for everything that the travel within Canada insurance covers, as shown above, except for unlimited hospital, medical expenses.

The following insurance rates are based on the package cost from Winnipeg. For those with Winnipeg overnight hotels and/or airfares in and out of Winnipeg, higher rates will apply and can be requested. Policy exclusions apply as far as pre-existing medical circumstances are concerned. If you are a US resident, contact heartland travel for cancellation and interruption incurance rates for your trip. Terms and conditions are as per the policy issued by RBC Insurance.

Travel Within Canada Package                                                       Age

Coverage 1 to 4 days         up to 59           60-64           65-69            70-74           75-79       80 +

Rates:                                  $88              $102               $107            $120             $187       $249

Non-medical coverage, for those with their own medical insurance, is available as follows:

Non-Medical Package                                                             Age

Coverage 1 to 4 days               up to 59            60-64             65-69           70-74        75-79      80 +

Rates:                                      $85                 $99                $103              $116        $181       $241

Premiums taxable at 8% when sold to Ontario residents. A portion of the premium is taxable when sold to Newfoundland and Labrador residents.