Travel Insurance and Foreign Exchange
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Foreign Exchange
Benefits of the Program
Access to over 70 international currencies
Preferred Pricing & Exchange Rates
No Transaction Fees
Best Rate Guarantee Protection
Who Is Eligible?
The Program is open to all BAY Credit Union members.
How it Works
Members can place their orders by phone or in branch and the currency will be available for pickup within seven days.
Where do I pickup the currency?
Members can pick up their currency at the Branch they ordered at (BAY Branch- 142 S. Algoma St. or Apple Branch- 406 N. Cumberland St.)
Restrictions and Limitations
*Some restrictions apply
Smaller amounts may be subject to delivery charge
1. All efforts will be made to attempt to provide members with their requested denominations, however, the denominations that are shipped may not exactly match what is requested by the member.
2. Identification and other personal information may be required at certain transactions thresholds as stated by federal law.
Travel Insurance
Buying travel insurance just got easier!
Now you can purchase travel insurance from Aliianz online - it's fast and simple, exclusively for Credit Union members. Visit their online quoting site to stay covered during your next trip.
Whether you are still in school, well into retirement, a world traveller or off on a quick weekend escape, enjoy our coverage options that fit your lifestyle.
Coverage for one trip vs. multiple trips
Travel insurance products offered to Canadian residents are typically available for two types of travellers:
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Travellers who are planning on taking an upcoming trip, and are looking to be covered for that specific trip only.
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Travellers who take frequent trips, and are looking to be covered for as many trips as they wish to take within a one year period. These plans for frequent travellers are often referred to as Multi-trip insurance plans.
Main categories of travel insurance benefits
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Emergency Medical Benefits – If you become unexpectedly sick or injured during your trip and require emergency medical treatment, these benefits will cover eligible medical costs for hospitalization and more, along with providing emergency assistance services.
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Trip Cancellation and Interruption Benefits – In case you need to cancel your holiday before you leave or interrupt your trip after departure due to a covered reason, Trip Cancellation and Trip Interruption benefits will help you recover the cost of booking expenses such as flights and accommodations which you paid for in advance.
What does travel insurance cover?
While Emergency Medical and Trip Cancellation and Interruption are the two foundational categories of travel insurance, certificates will often have additional supplementary benefits that can help further reduce financial and emotional stress when the unexpected interrupts your travel plans.
As an example, the Comprehensive Package and the Non-Medical Package offered by Allianz Global Assistance both also include benefits for Travel Delay, Baggage Loss, Baggage Delay, Travel Accident and more.
However, like any insurance product, such as auto insurance or property insurance, there are specific terms and conditions that outline when and how reimbursements are made – as well as situations that are not covered.
Additionally, the features and benefits of travel insurance can vary broadly depending on the provider offering the product, and the type of certificate that’s selected. As a result, it’s important to educate yourself on the nuances of travel insurance to determine the best option for your unique needs.
Regardless of how you choose to purchase travel insurance, always be sure to review your certificate in detail before travelling in order to understand what is and isn’t covered. If any aspects of your coverage are unclear, contact Allianz Global Assistance to have your coverage explained and your questions answered.
Call Centre 1-844-310-1578
