Frequently Asked Questions

FOREIGN EXCHANGE & TRAVELERS CHEQUES


Q. Can I order multiple foreign currencies and is there a limit on the amount that can be purchased?
A. Yes you can order up to 10 different currencies per order. For pre-order transactions the total cannot exceed CAD$5,000; however, on demand transactions can exceed this limit with additional Anti-Money Laundering precautions.


Q. When do I pay for my order?
A. When purchasing from the Thomas Cook Financial Services Flagship Store at 75 Eglinton Avenue East, and Courier Depot locations (inside Loblaws Supermarkets) you can pay for your order at time of purchase by cash, debit or credit card.

When purchasing from Bel Air Travel or My Travel stores you can only pay by debit card.


Q. Can you deliver it directly to my home/work address?
A. We are unable to offer this service at present, but there are many other collection points where you can receive your order.


Q. Do I need any identification with me when I go to pick up my order?
A.   1. Foreign Currency notes worth CAD $1,000 and over paid by cash, debit or cheques:
      o Drivers license or passport

      2. Any transaction over CAD $1,000 paid for by credit card:
      o Two (2) photo IDs- Driver's License AND Passport

      3. Any transaction starting from CAD $10,000 and over in any form of payment:
      o Two (2) photo IDs - Driver's License AND Passport
      o One (1) paid utility bill that shows name and current address
      o Subject to Anti-Money Laundering procedure

      4. Thomas Cook Visa® TravelMoney™ Card, MoneyGram® Money Transfer, and American Express Travelers Cheques require one or both government-issued ID:
      o Drivers License or Passport.

      The following cards are NOT accepted:
      o Health Cards & Citizenship Cards/Certificates


Q. Can I pick up my friend's/relative's currency order if I have their permission (i.e., a signed letter giving permission)?
A. No, the customer who placed the order must pick up their order and bring the required ID as stated above.


Q. When I order at a store will I receive my currency immediately?

A. Yes you will be able to collect your foreign currency or travellers cheques at time of purchase in most cases when you order at our Flagship Store at 75 Eglinton Avenue East in Toronto. We offer over 100 different currencies and American Express Travellers Cheques, and whilst in most cases the items will be in stock, in some cases we may have to order for delivery within 24 hours.

Our other stores will either have an ATM facility that will enable you to obtain four different currencies on demand (Canadian Dollar, US Dollar, British Pounds and Euro) or the store will be able to order over 100 plus currencies for you, which if ordered before 3.00 pm EST Monday to Thursday will be available in as little as 24 hours and orders placed on Friday before 3:00 pm EST will be available as early as the following Monday for collection. All orders placed from Friday after 3:00 pm EST to the end of business on Sunday will be available as early as the following Tuesday for collection.

Please refer to our store finder which shows each store location and the services provided.


Q. If after my holiday I have leftover foreign currency, will you buy it back?
A. Yes we will purchase currency back from you (foreign notes only) at our 75 Eglinton Avenue East store. At present this service is only available at this location.


Q. Who supplies the Travellers Cheques?
A. Our Travellers Cheques are provided by American Express, and the currencies available are Canadian Dollar, US Dollar, Euro, Japanese Yen and Australian Dollar.


TRAVEL INSURANCE


Q: My child is travelling with me. Do I need to buy separate coverage for her?
A. Children under the age of 2 years of aga are at NO EXTRA CHARGE. This is available for All-Inclusive and Non Medical Insurance Plans. If your child is aged two or older, you'll need to purchase emergency medical coverage for your child. Also, if you have purchased a ticket for your child, remember to you should consider buying extra coverage to protect you in the event of cancellation or interruption of your trip.


Q. Why do I need to purchase travel insurance?
A. The costs associated with travel can be quite substantial. You may find yourself facing a loss of money from unforseen circumstances that make it necessary to cancel or interupt your trip. Travel Insurance can provide the additional assurance that covers unexpected costs like medical care that may include hospital admission, emregency dental care, and emergency medical evacuation. Overall travel insurance provides 'peace of mind' on any trip - business or leisure.


Q. I am age 60 or older and I have a few health problems. Is it still possible for me to purchase travel insurance?
A. Unless your health problems are severe, you should be able to purchase travel insurance. You may pay a slightly higher premium for travel insurance, depending on your age and health problems. Your premiums and coverage will be determined according to your answers that you provide for the medical questionnaire. Depending on your answers you may not be covered for pre-existing health conditions you have prior to your departure on your trip.


Q. I'm only going to the United States for a few days. Do I really need travel insurance?
A. Yes, you should always have travel insurance to protect you against the unexpected, however long your stay is even if your trip is just a few days to the United States. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. When travelling specifically to the United States it is important to have adequate cover as the cost of health care is very expensive and very little of this cost would be covered by your government health insurance plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need. Under the Thomas Cook Travel Insurance plans provided is a Medical Conceirge Service that is specifically for when travelling to the US and this benefit is part of your plan.


Q. Will travel insurance pay my expenses if I am away on a trip and am called home for an emergency?
A. Travel insurance protects you for these situations. If you purchase Cancellation & Interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, however the Thomas Cook Travel Insurance does offer you to take the 'change your mind' option, which if you decide not to travel for any reason before you leave home we will pay up to 50% of the covered amount for the pre paid portion of your trip that is non refundable and non transferable to another date. You must cancel your trip 16 days or more before your departure date as shown on your confirmation, for this benefit to be valued. Therefore Cancellation & Interruption is very important to protect the financial investment you make in a trip.


Q. Why do I need travel insurance? If I get sick when I'm travelling, won't our government health plan pay for my medical expenses?
A. Government health insurance plans provide only limited coverage for medical treatment and hospital costs outside of Canada. If you are injured or become ill while out of the country, the government plans pay only a portion of your medical bills. You might have to pay substantial medical bills. That's why it's highly recommended that you purchase travel insurance. Thomas Cook Travel Insurance All-Inclusive plans offer the most comprehensive coverage.


Q. Why would I need Cancellation & Interruption insurance?

A. Emergencies happen when you least expect it. You could become sick, lose your job or a family member could have a medical emergency. Cancellation & Interruption insurance covers you for those circumstances and protects the financial investment you've made in your trip. It also protects you if you need to go back home because of an emergency such as a family member becoming seriously ill at home, while you are away. Please remember - this coverage must be purchased within 48 hours of booking your trip.


Q. Do I need medical travel insurance when I travel within Canada?
A. Yes. There are several reasons why it's important to get medical travel insurance when you're travelling within Canada. One reason is that unfortunately, accidents can happen anywhere. Another is that Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.


Q. Are hospital and medical bills outside of Canada expensive. Would I need to pay up front if I have an accident while travelling abroad?
A. Yes they are expensive, particularly in the United States, however Thomas Cook Travel Insurance we will pay the eligible bills directly to the hospital for you whenever possible.


Q. Why do I need medical travel insurance when I travel abroad?
A. Health insurance plans provided by the Canadian provincial and territorial governments pay only a fraction of the emergency medical expenses that its residents incur while they are travelling abroad. Travel insurance will protect you in case of a medical emergency, so you'll be able to travel knowing you're well protected.



THOMAS COOK VISA® TRAVELMONEY™ PREPAID CARD


Q: What information do I have to provide when I register for my Thomas Cook Prepaid Visa® Card?
A. You'll need to provide:

     • Your name
     • Current address
     • Telephone number
     • Date of Birth
     • The last four digits of your SIN number
     • One other piece of government-issued photo ID (driver¿s license or passport)
     • Email address (optional)
     • Work phone number (optional)


Q: If there is no credit check, why do I need to provide this information?
A. Although there is no credit check, we need to verify your personal information to comply with security and safety regulations before we are able to issue a Thomas Cook Visa® TravelMoney™ Card.


Q: How do I register for my Thomas Cook Prepaid Visa® Card?
A. You can register online at thomascook.ca/prepaid or by calling our toll-free number at 1-877-804-5030.


Q: How do I get a PIN so that I can withdraw cash from my Thomas Cook Visa® TravelMoney™ Card at an ATM?
A. You can call our toll-free number at 1-877-804-5030 and you will be asked to choose a PIN. Remember to keep this PIN confidential. Do not write it on your card or keep it in the same place as your card.


Q: Where can I use my Thomas Cook Visa® TravelMoney™ Card?
A. Your Thomas Cook Visa® TravelMoney™ Card can be used to purchase goods and service anywhere Visa® is accepted electronically.


Q: Can I use my Thomas Cook Visa® TravelMoney™ Card to shop online, by phone or through the mail?
A. Yes - your Thomas Cook Visa® TravelMoney™ Card can be used for all these types of transactions.


Q: How does my Thomas Cook Visa® TravelMoney™ Card work?
A. Each time you make a purchase or cash withdrawal, the amount of the transaction, together with any associated fee will be deducted from your available balance. Other fees will also be immediately deducted from your balance as and when they are incurred.


Q: Why won't my card work at an ATM?
A. It is likely to be one of the following reasons:

     • You aren't choosing CREDIT CARD as the account type.
     • You have not chosen a PIN for your card or are trying to use an incorrect PIN.
     • You have exceeded the limit for individual withdrawal amount or the daily withdrawal/purchases limit.
     • You have insufficient funds available to cover the withdrawal amount and associated fee.


Q: Why was my card declined at a merchant?
A. It is likely to be one of the following reasons:

     • There were insufficient funds available to cover the purchase or pre-authorized amount
     • Your card may have expired - check the expiry date printed on the front of the card
     • Merchants who only have a manual imprint machine cannot accept Prepaid Visa® Cards which have the words "ELECTRONIC USE ONLY" printed on the front