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Get reimbursed for non-refundable trip costs if your travel is canceled or cut short due to illness, emergencies, visa rejections, or unexpected disruptions.
Get the assured best price, every time.
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We provide services in BC, SK, ON, AB & MB.
Trip Cancellation and Interruption Insurance provides financial protection if your travel plans are disrupted. It covers non-refundable costs like airfare and pre-paid arrangements if your trip is canceled before departure (Trip Cancellation), and helps with expenses like transportation or accommodations if your trip is interrupted after you’ve already begun your journey (Trip Interruption). This insurance can be purchased separately or as part of a medical travel insurance plan, offering coverage for unexpected events such as medical emergencies, travel advisories, or missed connections.
Trip Cancellation and Interruption Insurance covers non-refundable travel expenses if your trip is canceled before departure or interrupted while you're traveling. If an unforeseen event, like a medical emergency or travel advisory, forces a change in plans, the insurance reimburses costs such as flight tickets, hotel bookings, and tours. It also covers additional expenses during delays, such as meals, accommodations, and transportation, and can help you catch up with your travel group or return home early if needed. Be sure to review the policy for specific exclusions that may apply.
Get A QuoteTrip Cancellation and Interruption Insurance protects you from financial losses caused by unexpected events like medical emergencies, travel advisories, or family emergencies. It covers non-refundable expenses such as airfare, hotel bookings, and pre-paid tours if your trip is canceled or interrupted. Without this insurance, you could face high out-of-pocket costs for things like meals, accommodations, and transportation during delays or cancellations. This coverage ensures you're financially protected and gives you peace of mind in case something goes wrong with your travel plans.
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Coverage for unexpected events like medical emergencies, travel advisories, family issues, and more, ensuring financial protection.
Covers trip cancellation or interruption if you, your travel companion, or a family member experiences medical emergency.
Coverage for complications within first 31 weeks of pregnancy or found within 9 weeks of departure.
Covers trip cancellation or interruption in case of death of the insured, a travel companion, or an immediate family member.
Reimburses non-refundable expenses if the Canadian government issues a travel advisory after booking.
Covers unexpected job transfers, involuntary job loss, or cancellation of business meetings or important events.
Provides reimbursement for missed travel arrangements caused by flight delays, schedule changes, or mechanical issues.
Reimburses non-refundable expenses if a trip is delayed due to severe weather, strikes, or mechanical failures.
Covers cancellations due to unexpected postponements of major events like weddings, concerts, or business meetings.
Get medical protection in Canada for emergencies, hospital stays, and unexpected healthcare costs.
Schedule A MeetingTrip Cancellation and Interruption Insurance has specific eligibility rules to ensure you're covered for unexpected travel disruptions.
To apply, you must be a Canadian resident with valid provincial or territorial government health coverage throughout the duration of your trip.
Your government health insurance must remain valid for the entire trip. If it lapses, you won’t be covered for expenses your plan would typically cover.
Certain pre-existing conditions may impact your eligibility for coverage. Don't worry—we're here to help you navigate the process and find the right coverage for your needs.
Enhance your Trip Cancellation coverage with the Trip Delay Upgrade for an additional premium. If your trip is delayed for 12 hours or more, you’ll receive:
Up to $500 per day (maximum $1,500) for accommodation, meals, phone calls, WiFi, and taxi or ride-sharing fares during delays.
Up to $200 for expenses to attend ticketed events like movies, concerts, sporting events, or operas during the delay.
Coverage for additional same-class transportation costs to rejoin a tour or group if you haven’t returned to your home due to an insured risk.
Certain situations, such as pre-existing conditions, risky activities, or government advisories, are not covered under this insurance.
No coverage for expenses resulting from medical conditions that have not been stable for 180 days prior to the trip or policy purchase.
No coverage for situations you were aware of or could predict before purchasing the insurance, which could cause cancellation, interruption, or delay.
No reimbursement for the theft of items like animals, prescription glasses, jewelry, electronics, or unaccompanied baggage.
No coverage for expenses incurred after your physician advises against travel due to a medical condition.
No reimbursement for expenses related to a trip undertaken to visit an ill person, where their medical condition or death causes the claim.
No coverage for cancellations related to pregnancy complications or delivery within 9 weeks of the expected delivery date.
No coverage for expenses resulting from participation in high-risk activities such as extreme sports, professional sports, or motor vehicle racing.
No coverage for cancellations, interruptions, or delays caused by government-issued travel advisories, unless the advisory is in place for the entire travel duration.
Choose between two coverage options: Single-Trip and Multi-Trip plans, depending on how often you travel.
| Single-Trip Plan | Multi-Trip Plan |
|---|---|
| Best for one-time trips, the Single-Trip plan covers you for the entire duration of your travel. For example, if you're taking a week-long business trip to New York, the coverage applies only during that time. You’ll need to purchase a new policy for each trip you take. | Ideal for frequent travelers, the Multi-Trip plan covers all your trips throughout the year. For example, if you're a consultant who frequently travels for work across the countries (such as UK, USA, China, etc) the Multi-Trip plan will cover all your business trips throughout the year without the need for a new policy each time. It’s a convenient and cost-effective option for those on the go. |
Add a Single-Trip Plan to extend your coverage if your travel plans change, ensuring continuous protection. If your travel plans extend, you can top up your Multi-Trip Annual Plan or other limited travel insurance with a Single-Trip Plan. This new policy follows the same terms as your original plan, but pre-existing medical conditions may not be covered. The top-up must start the day after your current policy expires and cover the remaining days. This option ensures continuous protection if your plans change.
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Find answers to common questions about coverage, eligibility, claims, and the benefits of trip cancellation and interruption insurance.
