Travel Protection

Travel Protection 2018-06-27T19:06:05+00:00

Travel knowing you are protected.

Travel is a big investment. By booking your trip with Carlson Wagonlit Stewart Travel you can be confident that you are in good hands. We sell Manulife World Travel Insurance which is the most comprehensive coverage money can buy, and recommend that all of our clients take it. We are licensed by TICO (Travel Industry Council of Ontario), and all of our agents are TICO certified. Our agency is also AODA compliant and each of our agents have received their certification.

You’ve invested a lot of time and money into planning the perfect vacation. Why take a chance that an unexpected event will mean you lose your investment?
CWT Stewart Travel sells Manulife World Travel Insurance so our clients can feel confident that they have sufficient coverage, and the security of knowing they have 24/7 coverage and will receive the help they need during an emergency. Travel Insurance is highly recommended for any trip.

Affordable coverage that’s right for you
Finding coverage that meets your needs — and budget — is easy with your choice of several travel insurance plans. With Manulife’s affordable travel insurance packages, you can travel knowing you’re financially protected against most unexpected travel situations. All of the Manulife plans offer coverage (at various benefit levels) for trip cancellation and interruption, trip delay, baggage and personal effects, emergency medical services and more. Our counsellors and planners are highly trained and have the knowledge to guide you through all the various coverage plans & options available.

24/7 worldwide emergency travel assistance
With Manulife World Travel Insurance, you have the security of knowing you will receive the help you need during an emergency — one toll-free call — anytime day or night — puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need.

Whether you’re travelling across the border, around the world, or to another province, here are some excellent reasons to buy travel insurance coverage:

Government health insurance plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Consular Services, Foreign Affairs and International Trade Canada) urges all Canadians to purchase supplemental health insurance when leaving the country. They say: “Do not rely on your provincial health plan to cover costs if you get sick or are injured while abroad. Out-of-country healthcare can be costly, and your health plan will cover only part of the bill at best.” Plus, government health insurance plans don’t guarantee coverage for special care (air ambulance or emergency dental services, for instance). Unlike government insurance health plans, Manulife World Travel Insurance offers you:

  • Unlimited coverage for eligible medical expenses
  • Up-front payment of eligible medical expenses whenever possible
  • 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don’t provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Some credit cards provide emergency medical insurance when you are travelling outside Canada or your province/territory of residence. However, there may be important distinctions between what travel insurance covers and what your credit card’s insurance plan covers. For example, with a credit card, coverage might only apply to trips purchased on the card—or be limited to a fewer number of travel days. Before you take a trip, it’s a good idea to review any coverage provided by your credit card(s) to decide whether you need additional insurance.

With health insurance under an employee benefits plan, out-of-country medical coverage may not be available, may not cover a spouse or dependents and often has limits on the number of travel days covered and amounts payable.

Before you take a trip, it’s a good idea to review any coverage provided by your employer to decide whether you need additional insurance.

If you’re travelling aboard an airplane, train, bus or other public transport, there’s the chance that your flight or travels may be delayed (or cancelled altogether). Your luggage may be lost or damaged. Or you may have to cancel your trip or return home unexpectedly early due to a family emergency. With Manulife World Travel Insurance, you can choose a package or plan that covers you for these types of situations and more.

Consider this as well: 74{eda6ed48ec75b773f1aad1fdb9e815c5aeec5ed7af201ab02e0ea9c45e6f0ffe} of Canadian travellers spent more than $1,000 per person per vacation in 2007. Almost half of those travellers spent more than $1,500 per person per vacation.(1) That’s a big discretionary expense, one you no doubt want to protect. For the additional financial security you get, our travel insurance is a true bargain.

Enjoy peace of mind knowing that you are protected on your next trip!

Click below to purchase Manulife World Travel Insurance for your next trip.


TICO is Consumer Protection

Consumers who book with a registered Travel Agency in the province of Ontario, Canada are protected by the Ontario Compensation Fund up to $5000 per person Canadian if an Ontario agency fails to deliver services purchased due to insolvency or bankruptcy of the agency. The fund also protects you in the event of insolvency or bankruptcy of an airline our cruise line. There are no residency requirements (i.e. you do not have to reside in Ontario or even in Canada) for the consumer. To receive this consumer protection you must book through and pay a registered travel agency in Ontario. For further information click on the TICO logo to visit the Travel Industry Council of Ontario website or call (905) 624-6241.

TICO website

Travelling? Thinking of taking a trip? TICO protects you in four main ways. Watch  to find out how TICO protects your travel investment.

Accessible Customer Service Policy

The Accessibility for Ontarians with Disabilities Act, 2005 (AODA) sets out the Accessibility Standards for Customer Service, also known as the “Customer Service Standard”. It became law on January 1, 2008.

The Company is required to be compliant with the Customer Service Standard as of January 1, 2012. This policy has been prepared to outline what the Company will do to comply with the regulation and what customers may expect from the Company.

This policy is intended to benefit the full range of persons with disabilities. Section 2 of the AODA defines “disability” as:

  1. any degree of physical disability, infirmity, malformation or disfigurement that is caused by bodily injury, birth defect or illness and, without limiting the generality of the foregoing, includes diabetes mellitus, epilepsy, a brain injury, any degree of paralysis, amputation, lack of physical co-ordination, blindness or visual impediment, deafness or hearing impediment, muteness or speech impediment, or physical reliance on a guide dog or other animal or on a wheelchair or other remedial appliance or device,
  2. a condition of mental impairment or a developmental disability,
  3. a learning disability, or a dysfunction in one or more of the processes involved in understanding or using symbols or spoken language,
  4. a mental disorder, or
  5. an injury or disability for which benefits were claimed or received under the insurance plan established under the Workplace Safety and Insurance Act, 1997.

Whether a person’s disability is apparent or not, everyone should be treated with courtesy, made to feel welcome, and have their need for accommodation respected whenever they interact with the Company.

The Company is committed to excellence in serving all customers, including people with disabilities. It strives at all times to provide goods and services in a way that respects the dignity and independence of persons with disabilities. The Company is committed to ensuring that customers with disabilities receive accessible goods and services with the same quality and timeliness as others do.


The Company will communicate with people with disabilities in ways that take into account their disability. This means that employees will communicate in ways that enable persons with disabilities to communicate effectively for purposes of using, receiving and requesting goods and services.
The Company will train staff who communicate with customers on how to interact and communicate with persons with various types of disabilities. The Company recognizes that every person and situation is different. Staff will work with the individual to find a communication method that meets the person’s needs.

Assistive Devices

An assistive device is any piece of equipment a person with a disability uses to help them with daily living. Some examples include: wheelchairs, screen readers, listening devices or canes. The Company allows the use of personal assistive devices on our premises.
The Company is committed to serving persons with disabilities who use assistive devices to obtain, use or benefit from its goods and services. It will ensure that employees know how to use the assistive devices available for customers that are on the premises and to inform customers of the assistive devices that are available.

Use of Service Animals and Support Persons

The Company welcomes people with disabilities and their service animals. Service animals are allowed on the parts of company premises that are open to the public or third parties. The Company will ensure that all staff and third parties dealing with the public are trained in how to interact with persons with disabilities who are accompanied by service animals.

On rare occasions, a manager may determine that a support person is required, or that a service animal cannot enter an area of the premises consistent with other laws. In these instances, managers will suggest appropriate alternatives and provide assistance.

A person with a disability who is accompanied by a support person will be allowed to enter Company premises that are open to the public or third parties with his or her support person. At no time will a person with a disability who is accompanied by a support person be prevented from having access to his or her support person while on Company premises.

For any Company sponsored events where a fee is required to attend, the Company will not charge an admission or attendance fee for support persons. However, expenses may be charged for meals and refreshments provided for support persons. If expenses will be charged, the amount would be included in the information published with respect to the specific event.

Notice of Temporary Disruption

In the event of a planned or unexpected disruption to services or facilities, the Company will promptly notify customers. Notice will be provided in accessible formats and include information about the reason for the disruption, its anticipated duration and a description of alternative facilities or services, if available.

The notice will be placed at the public entrance of the office. Depending on the nature of the disruption, notice will also be provided on outgoing telephone messages and on the company website.

Training for Staff

The Company will provide web-based and self-study training on customer service to all employees who provide services to the public and to individuals who are involved in the development and approvals of customer service policies, practices and procedures. New staff and staff who commence new duties that involve interaction with the public or other third parties will undertake training as part of their orientation, if they have not already done so.

Company employee training includes:

  • a review of the purposes of the AODA and the requirements of the Accessibility Standards for Customer Service;
  • how to interact and communicate with persons with various types of disabilities;
  • how to interact with persons with disabilities who use an assistive device or require the assistance of a service animal or a support person;
  • how to use the equipment or devices available on the provider’s premises, or otherwise, that may assist with the provision of goods or services to persons with disabilities;
  • what to do if a person with a disability is having difficulty in accessing Company
  • goods or services; and
  • Company policies and procedures relating to the provision of goods or services to persons with disabilities.

Staff will be trained, as appropriate, on policies and procedures that affect the way goods and services are provided to persons with disabilities. Staff will also be trained on an ongoing basis when changes are made to these policies and procedures.

Feedback Process

This Accessible Customer Service Policy is available on the Company website. A copy of the policy may also be requested by contacting our office. Customers who have questions or wish to provide feedback on the way that the Company provides goods and services to people with disabilities can contact the Controller, at the following address:

232 Brock St,
Peterborough, ON
K9H 2P4

Feedback will be accepted in person, by telephone, in writing or by email. If a feedback method is not suitable, a customer may request another method. The Company’s hours of operation can be found on Company’s website at

Privacy will be respected and all feedback will be reviewed for possible action that can be taken to improve services. The Company’s goal is to become increasingly accessible and responsive to the needs of persons with disabilities.

Complaints will be addressed as soon as possible. However, some complaints may require more effort to address and must be reviewed for action. Customers can expect an acknowledgement within fifteen business days of receipt of the complaint. If a complaint cannot be responded to within fifteen business days, an interim acknowledgement will be sent to the customer. The acknowledgement will indicate when the individual can expect a response. The Company will endeavour to provide a response to the feedback in a format that is accessible to the complainant.

Modifications to This or Other Policies

The Company is committed to ensuring that its customer service policies and procedures respect and promote the dignity and independence of all persons with disabilities. Therefore, no changes will be made to this policy before considering the impact on persons with disabilities.
Any policy of the Company that does not respect and promote the dignity, independence, integration and equal opportunity of people with disabilities will be modified or removed.
Whenever new or revised standards are developed under the AODA, this policy will be reviewed and updated as necessary to ensure consistency.