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Trip Cancellation Insurance Canada, Trip Interruption and Travel Delay Protection

trip cancellation insurance

You are planning your vacation of a lifetime. Excitedly, you research your destination, book time from work, read travel guides, update your vaccinations. You trip date approaches and suddenly the unexpected happens!

  • You become to sick (or injured) to travel
  • You travel companion becomes to sick, injured, or dies and cannot travel
  • Your family member has a medical emergency or dies
  • A weather system causes havoc and you flight is canceled
  • You are called to jury duty
  • The tour company or airline goes bankrupt
  • A natural disaster strikes your home
  • You employer requires you to attend an important business meeting
  • Department of Foreign Affairs issues a travel advisory on your destination
  • etc.

Trip Cancellation Insurance Coverage Before You Depart

Should any of the covered conditions as defined in the policy cause you to cancel your trip prior to departure then you would be eligible to claim the non-refundable portion of your trip cost.

Purchase Limitations and Recommendations

  1. Typically Trip Cancellation Insurance must be purchased within 48 hours of booking your trip.
    • Most travel insurance companies impose a 48 hour limit in which you are eligible to purchase trip cancellation insurance. This is to avoid situations where travelers purchase trip cancellation insurance after learning of a situation which may lead to canceling the trip.
    • Some companies will allow you to purchase trip cancellation insurance after 48 hours if you make a statement that you, your traveling companion, family, etc. are in good health and you know no reason to cancel the planned trip at time of purchase. You can contact TravelInsuranceQuotes.ca at 1-800-270-8058 to purchase coverage after 48 hours.
  2. Purchase Enough Trip Cancellation Insurance To Cover the Non-refundable Cost of Trip
    • Only the non-refundable, non-recoverable portion of you prepaid airfare and/or prepaid travel arrangements are eligible for reimbursement. To determine this amount you should contact the airline, travel agent, and/or tour company and ask them the what portion of the costs are non-refundable. Then add up all the cost to determine the total amount of coverage required (per person).
  3. Purchase Trip Cancellation Early to Maximize Coverage and Minimize Risk
    • Trip Cancellation Insurance become effective immediately once purchased. The cost for trip cancellation insurance is the same whether you purchase the coverage 3 months prior to departure or the day prior to departure. Logically, you have more risk the longer you need to wait for your trip to begin. Therefore, it makes prudent sense to purchase your trip cancellation insurance as early as possible to maximize your value and minimize your risk.
  4. Purchase Plans That Include Baggage and/or AD&D
    • Some plans like the TIC Select Trip Cancellation Plan includes baggage delay, baggage loss or damage, Accidental Death and Dismemberment, and Flight Accident coverage for little more then basic coverage.
  5. Pre-existing Medical Condition Exclusion
    • Claims will not be paid when a sickness arises from a pre-existing medical condition. Typically the pre-existing medical condition is one that any treatment, medication and/or hospitalization has been administered in the 60-90 days prior to the effective date of the coverage. This pre-existing condition exclusion extends to all covered people on the policy (companion, family member, etc.). Please read the policy carefully prior to purchasing the insurance as trip cancellation plans may not offer refunds.

Trip Interruption Insurance Coverage After You Depart

Trip interruption, typically, is packaged with trip cancellation and provides similar coverage once you have departed on your trip. Some companies allow you to purchase trip interruption insurance alone if you only require coverage after departure Purchasing trip interruption alone may make sense if paying for trip cost with loyalty points or if your trip cost is fully refundable prior to departure.

frequently asked questions

Frequently Asked Questions about Trip Cancellation Insurance for Canadians

  • What is Covered Cost per person? What amount should I request?

    The pricing on trip cancellation insurance is variable... meaning a plan that provides $1,000 of trip cancellation coverage will cost less than a plan that provides $5,000 coverage for trip cancellation. Trip cancellation will only reimburse the non-recoverable portion of your trip cost.... so it makes sense to only pay for coverage that you can collect. If you are unsure what the non-recoverable portion of your trip you should ask the travel supplier how much money your will get back, if any, should you need to cancel.
  • What is the difference between single trip and annual plans?

    Single trip insurance will only cover the trip dates specified at the time of purchase. Annual (multi-trip) travel insurance is purchased to cover unlimited number of trips in a 365 days period. Annual plans are purchased with a trip length, normally one week, two weeks or one month. So, a 30 day annual plan will cover the insured for unlimited number of trips up to 30 days in duration. If the insured is planning a trip beyond 30 days then extra top-up travel insurance will be required to extend coverage.
  • What trip cancellation plans include Baggage insurance

    The TIC Select Trip Cancellation plan and the Travel Guard Gold Trip Cancellation plan both offer baggage and accidental death and dismemberment coverage. The TIC plan covers up to $500 per person for lost of stolen baggage. The Travel Guard plan covers up to $1,000 for lost or stolen bags.
  • I notice that my all inclusive quote shows lower rates than my trip cancellation/interruption quote. How can that be?

    We notice this pricing anomaly also. We believe that the canadian travel insurance companies feel the need to be more competitive in their pricing for all inclusive travel insurance. Whatever the reason, we get excited when our customers use our online quote system to find pricing bargains. Finding travel insurance bargains is the purpose we started travelinsurancequotes.ca
  • Your rates are much lower than my travel agent. How can that be?

    Typically, travel agents are not insurance brokers... therefore they usually only provide policies from one company (typically RBC Insurance). Because the travel agents are exclusive distributors they do not have the power to offer options should the pricing be uncompetitive. TravelInsuranceQuotes.ca provides pricing transparency so our customers Can find the best pricing before they decide to purchase.

Companies Providing All Inclusive Travel Insurance Plans For Canadian Travelers

Manulife Financial
Plan Name Emergency Medical for Canadian Travelers
Emergency Medical Coverage amounts

$5,000,000

Deductibles options $0, $500, $1,000, $5,000, $10,000
Pre-existing Condition Exclusion Applicable to ages 54 and under - Rate Category A+. We will not pay any expenses relating to: -a pre-existing condition for which you have taken, received or been prescribed medication or treatment in the twelve (12) months before your effective date; and/or, -your heart condition if, in the twelve (12) months before your effective date you have taken, received or been prescribed medication or treatment or you have taken any form of nitroglycerine for the relief of angina pain; and/or, -your lung condition if, in the twelve (12) months before your effective date you have taken, received or been prescribed medication or treatment or you required treatment with oxygen or prednisone for your lung condition.
Maximum Age None
Notes
Policy Wordings

TIC - Travel Insurance Coordinators
Plan Name Emergency Hospital and Medical Insurance for Canadians
Coverage amounts

$5,000,000

Deductibles $0
Pre-existing Condition Exclusion Any sickness, injury or medical condition, that exhibited symptoms for which a diagnosis need not have been made or required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, within the 180 days immediately prior to the effective date. This exclusion applies to persons up to age 70 on the effective date, travelling for periods of 36 days or longer and persons age 71 and over for trips of any duration. Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
Maximum Age 85
Notes
Policy Wordings

Travel Guard
Plan Name Gold Medical Plan
Coverage amounts

Unlimited for applicants age 0-59

Deductibles options $0
Pre-existing Condition Exclusion Applicable to Age 0 - 59. Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion: ME#1. If at any time in the 90-day period immediately preceding your effective date: a) Your medical condition or any related condition has not been stable and controlled; b) Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or c) Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone); Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition.
Maximum Age None
Notes
Policy Wordings

Travel Underwriters
Plan Name Freedom Emergency Excess Hospital/Medical Insurance
Coverage amounts

$5,000,000

Deductibles options $0, $250, $500, $1,000, $2,000, $5,000, $50,000, $100,000
Pre-existing Condition Exclusion Any pre-existing condition as defined, except as follows: Applicable to persons 60 to 89 years a) On all trip lengths, pre-existing conditions must be stable in the 365 days prior to the commencement date of a covered trip. Pre-existing conditions that do not meet the criteria set out above are not covered. Applicable to persons 59 years and under a) On trips 35 days and less, except for conditions for which symptoms arose or for which medical consultation was required on the date of departure or at any time within the seven days prior to the date of departure, other than a minor ailment. b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the commencement date of a covered trip.
Maximum Age 89
Notes
Policy Wordings
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