For the Essential option, depending on which of the two options is chosen, the scope of territoriality is worldwide with the inclusion of Canada and the United States, or worldwide with the exclusion of Canada and the United States. If you modify the destinations of your itinerary after your travel insurance comes into force so that one of the countries excluded from the Essential option is added, you will need to purchase the Reinforced option to obtain the coverage that corresponds to the period you will be staying in that country. If the additional destination is in the United States or Canada and you purchased the “Worldwide with the exclusion of Canada and the United States” option, please contact our call center in order to have your insurance premium adjusted.
If you have selected the Reinforced option, you will have declared the names of all the countries you will be visiting, including any stopovers. Travel insurance premiums are based on the most high-risk country. If you add a destination during your travels, you will be required to contact one of our agents beforehand in order to have this destination added to your insurance contract. Your insurance premium will not increase, provided that the newly added country does not have a higher level of risk than the highest-risk country according to the initial declaration of your destinations.