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                Trip Cancellation & Interruption Insurance

Get information and compare Trip Cancellation & Interruption insurance plans from different  Canadian travel insurance providers, get your instant online quotes, choose your best solution from a variety of options and buy insurance ONLINE directly from the insurer.

   

Trip Cancellation & Interruption insurance protects your investment in your trip when one of the covered events occurred and you have to cancel your trip or your trip is interrupted after your departure. If your trip is cancelled before your departure, you will be covered for expenses such as non-refundable portion your pre-paid airfare, pre-paid travel arrangements, cancellation penalties. If your trip is interrupted after departure, you will have coverage for expenses such as the additional cost of transportation to rejoin a tour; or unused, non-refundable travel arrangements (if any) when you must return to your province of residence earlier, and other.

 

Trip Cancellation & Interruption Insurance can be purchased as a stand-alone policy or as a part of Non-Medical Package and All-Inclusive plans. Non-medical Package usually includes Trip Cancellation & Interruption insurance, Baggage insurance and AD&D insurance (Flight & Travel Accident insurance). All-Inclusive plan includes Emergency Medical insurance and Non-Medical Package.

 

Insurance Providers

 

Insurer /
Policy Wording
Plans Available NOTES Get a quote & buy ONLINE
GMS

Policy Wording
(no age limit)

●  Trip Cancellation & Interruption + Baggage Loss,

    Damage & Delay (Single- and Multi-trip)

(Multi-trip plan is only available with Multi-trip Emergency medical plan )

Trip Cancellation & Interruption Pre-existing medical condition: Stability period is 180 days

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TuGo

Policy Wording
(no age limit,
covers trip cost
up to $100,000 without medical questionnaire)

●  Trip Cancellation & Interruption (Single- and Multi-trip)

●  Trip Interruption Only (Single- and Multi-trip)

●  Non-Medical Package (Single-trip)

●  All-Inclusive Holiday package (Single-trip) for age up to 59

●  AD&D (Single- and Multi-trip)

●  Optional coverages (May only be purchased as an

     endorsement to the plans above):

- Baggage Insurance

- Rental Car protection

- Sports Participation coverage

a) Trip Cancellation & Interruption Pre-existing medical condition: Stability period is 60 days

 

b) If  Trip Cancellation & Interruption coverage is purchased more than 72 hours after booking your trip,  sickness occurring within 72 hours after the date this insurance is purchased is not covered.

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Manulife Financial

(no age limit)

●  Trip Cancellation & Interruption (Single-trip) - Policy Wording

●  All-Inclusive plan (Single- and Multi-trip) - Policy Wording

Trip Cancellation & Interruption Pre-existing medical condition: Stability period is 90 days

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Allianz Global Assistance

Policy Wording

●  Trip Cancellation & Interruption (Single-trip)

●  Trip Interruption Only (Single-trip)

●  Non-Medical Package (Single-trip)

●  Multi-trip Select Plan (All-Inclusive for up to 59 years of age)

●  All-Inclusive Package Plan (Single-trip)

●  Baggage Insurance (Single-trip, optional for the plans above)

●  AD&D and Flight Accident (Single- trip)

●  Youth Plan (All- inclusive plan, Single-trip)

Trip Cancellation & Interruption Pre-existing medical condition:

a) If Trip Cancellation sum insured is $15,000 or less, Stability period is 90 days.

b) If Trip Cancellation sum insured is more than $15,000, Stability period is 180 days.

Please call
1-877-443-0101
to get a quote
RSA

Policy Wording
(no age limit)


● 
Non-medical All-Inclusive plan (Single- and Multi-trip plans)

a) Non-Medical All-inclusive plan must be purchased within 7 days of booking your trip if your trip is non-refundable or, before any cancellation penalties are chargeable.

 

b) Trip Cancellation & Interruption Pre-existing medical condition: Stability period is  90 days

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Travelance

Policy Wordings:
Travel insurance
Youth Travel Plans

●  Trip Cancellation & Interruption (Single-trip) - no age limit

●  Non-Medical Package (Single-trip) - no age limit

●  All-Inclusive Worldwide Plan (Single-trip) - no age limit

●  All-Inclusive Annual Plan (Multi-trip) - up to 69 years of age

●  Youth Premier Package Non-USA & USA  (Single-trip) -

     under 30 years of age

●  Airflight Accident Plan (Single-trip)

●  Rental Vehicle Damage Protection (May only be purchased as a rider to the plans above)

Travel and Youth Plans: Trip Cancellation Pre-existing condition :

- 60 day Stability period  for applicants  under 60, and 

- 90 day Stability period for ages 60 and over.

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What this insurance pays for

TRIP CANCELLATION (before departure)

When your trip is cancelled before your scheduled departure date due to a covered event, the following are payable:

The non-refundable and non-transferrable portion of pre-paid transportation; pre-paid travel arrangements and cancellation penalties; and

The difference between double occupancy (or applicable rate) and single occupancy rate when an insured risk prevents your travelling companion from travelling with you.

This coverage starts on the later of  the date booked your trip or the date you purchased this policy and ends on the day prior the your departure date or the date you cancel your trip.

TRIP INTERRUPTION (after departure)

When your trip is interrupted after your departure due to a covered event, the following are payable:

The lesser of;

a. one-way transportation to your province of residence; and

b. the fee charged by the common carrier to change your contracted return date;

Unused, non-refundable travel arrangements (if any) when you must return to your province of residence earlier than the contracted return date and miss part of your trip;

The additional cost of transportation to rejoin a tour, group or trip if you have not been returned to your province of residence as a result of an insured risk; and

In the case of death, up to benefit limit for the preparation and transportation of your remains to your province of residence, or for cremation or burial at the place of death.

This coverage starts on your departure date and ends on the date when you return to your home province or on the expiry date of your coverage as it is stated in your policy confirmation.

TRIP DELAY (before or after departure)

When your trip is delayed due to a covered event, the following are payable :

1.  The extra expense of one-way transportation to the contracted destination; and

2. The cost of out-of-pocket expenses during longer delays (such as meals, accommodations, telephone calls and taxi fare).


Risks Covered under Trip Cancellation & Interruption Insurance

When you purchase Trip Cancellation & Interruption coverage, you'll protect the financial investment you made in your trip should an event like the following arise:

RISK DETAILS

Health

●  Sickness, injury, death or quarantine of you, a travel companion, an immediate family member, a travel companionís immediate family member or a caregiver.

● Death or emergency hospitalization of a business partner, a key employee or a close friend occurring before the contracted departure date or during the covered trip.

●  Death or emergency hospitalization of your host at trip destination.

Note. Pre-existing condition exclusion : Trip cancellation & Interruption insurance does not cover loss, expenses or benefits relating to any pre-existing condition affecting you or your travelling companion or the immediate family member, business partner, key employee, close friend, host at destination, unless the pre-existing condition was STABLE within a stability period (60, or 90, or 180 days) before the policy effective date or date of booking your trip (depending on the plan).

Pregnancy & Adoption

●  Complications due to your, your spouse's or your immediate family member's pregnancy within the first 31 weeks, that prevents or interrupt your travel.

● Unexpected pregnancy occurring after booking a trip, which prevents your travel if the expected due date falls within 9 weeks of departure.

●  You or your travelling companion being notified after booking your trip, that the actual date of a legal adoption of a child in scheduled to take place during your trip.

Employment & Occupation

●  You or your travelling companionís job transfer that results in the relocation of your or your travelling companionís principal residence.

●  Involuntary loss of your, your spouseís, your travelling companionís or your travelling companionís spouseís permanent employment not reasonably foreseeable at the time of booking your trip .

●  A cancellation of a business meeting at your final destination beyond your or your employerís control. Only the travel costs directly related to the business meeting will be reimbursed.

Legal

●  You or your travelling companion being summoned to police, fire or military services (active or reserve).

●  You or your travelling companion being subpoenaed, after the trip is booked or after the date this Insurance is purchased, whichever occurs later, for jury duty, as a witness, or required to appear at a court proceeding during the period of travel (excluding law enforcement officers).

●  The non-issuance of your or your travelling companionís travel or student visa (not including an immigration or employment visa) for reasons beyond your or your travelling companionís control, provided you or your travelling companion were eligible to make such an application.

Government Advisory,

Terrorism

●  A Government of Canada Travel Advisory is issued during your trip or after the date your trip is booked or after the date this Insurance is purchased, whichever occurs later, advising Canadians to avoid all or non-essential travel to destination included in your trip.

●  You or your travel companion experience a loss caused by terrorism that would be payable under one of the covered risks.

Delays, Schedule Changes & Misconnections

●  Delay of a common carrier, or a private vehicle due to weather conditions, earthquakes, volcanic eruptions, a traffic accident, mechanical failure of the common carrier, or that private vehicle, a traffic accident, or an emergency police-directed road closure.

●  A schedule change of the airline carrier that is providing transportation for a portion of your trip, causing you to miss a connection.

●  You or your traveling companion miss a connection due to weather condition, a schedule change or a mechanical failure of the common carrier.

●  Your cruise is cancelled prior to the departure of the cruise due to the mechanical failure, grounding, quarantine of the cruise ship, reposition of the ship due to weather conditions, earthquakes or volcanic eruptions.

Other

●  You or your travel companion are unable your/their principal residence or to operate your/their business because  of a natural disaster.
●  You, your spouse, your travelling companion or your travel companion's spouse are quarantined or hijacked.

NOTE: The Information above is for illustration purpose only. Actually, a list of covered risks may be different with various insurance policies and may include risks which are not mentioned above. All benefits are subject to policy's maximums, exclusions and limitations.  Refer to the policy wording for details on the coverage provided, conditions, exclusions and limitations.

Please call at 416-493-0101, 1-877-443-0101, if you have questions, need assistance, or want to buy insurance.

 

Annual Multi-trip Plans

If you are planning two or more trips from your home province during one year, you can consider an annual multi-trip travel insurance  plan. Annual Multi-trip All-Inclusive, All-inclusive Non-Medical and Trip Cancellation & Interruption insurance plans are available with various insurance providers.  

Youíll be covered for 12 months and can travel for an unlimited number of trips during this period of time. The amount of coverage for Trip Cancellation & Interruption insurance shown on your policy is aggregated policy limit for these benefits for all trips during one year. Some policies also limit the amount of coverage per trip.

 

 

Get your best quote

 

For more information, free consultation and to purchase a policy please call at

 416-493-0101, 416-458-4577, 1-877-443-0101 

or ask your question online

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Investments:    RESP     RRSP     TFSA     Segregated Funds

Revised: April 13, 2018