I am fully aware of all the insurance I am currently covered by, including credit card coverage, work related insurance or any other insurance coverage I may have, and I feel that my existing insurance is sufficient.

I understand that I am solely responsible for any cancellation penalties and out-of-pocket expenses incurred. I understand that I will also be responsible for making my own separate travel / medical arrangements, and any other provisions in the event of an emergency while I am traveling.

I am aware that some insurance companies or credit card companies, may or may not cover me for all the components covered by Manulife Insurance. Please visit http://www.insureye.com/ for all Canadian credit card coverage details. I also understand that I am not protected from loss in the event of any travel vendor, travel supplier or any travel-related operator default.

This waiver confirms that I voluntarily decline travel insurance. I understand I am solely liable for all airline fees, supplier fees, and agency fees that may apply, and I hereby release any / all liability against my travel agent, Glow Travel and Events, it's representatives and its host agency.

You also acknowledge that travel insurance was offered to all parties travelling with you. The client/passenger paying for the trip if authorized, may sign on behalf of other travelling companions. Protect your investment and family.

Adding medical insurance is a good way to supplement your current coverage to protect you in an event of any major issues and is highly recommended. The cost is minimal in comparison to suffering a financial hardship.