Trip Protection
Our Trip Protection helps you recover pre-paid expenses should you need to cancel your trip for a covered reason prior to departure, or should you experience an unexpected interruption or delay during your trip. You also receive protection for lost, stolen or damaged baggage.
Why do I need Trip Protection Insurance?
Do your travel plans include a hotel room, vacation package, flight or other costs that are non-refundable? Trip Protection Insurance can help you recover those non-refundable, prepaid expenses should an unexpected situation such as these arise:
- An event that leads the Government of Canada to issue a general recommendation not to travel to the region (plan must be purchased prior to the Government’s recommendation)
- Illness that requires a doctor’s attention prior to or hospitalization during your trip
- Adverse weather conditions resulting in cancellations or delays
- Unexpected death in the family
- New pregnancy that would mean the Covered person would be travelling during the 33rd week or later of their pregnancy
- Jury duty (except for Law enforcement officers)
- Loss of employment (must be employed permanently for at least 1 consecutive year)
Frequently asked COVID-19 questions
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Why do I need Trip Protection insurance if airlines are providing free cancellation insurance?
Many airlines require you to purchase a certain fare level to receive free cancellation or they may only provide a flight credit should you need to cancel or postpone your travel for a covered condition. Trip Protection insurance allows you to recover your pre-paid travel costs no matter the fare level purchased.
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Do I still need Travel Medical Insurance if my airline is including COVID-19 insurance when I purchase a plane ticket?
We recommend you always have appropriate insurance coverage when leaving British Columbia. While COVID-19 insurance may be included in some airline tickets, it’s important to understand the amount of coverage that you will receive and know any limitations or exclusions to the policy. It’s very important to also ensure you have appropriate travel insurance to cover other emergency medical situations that may arise.
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If airlines are including COVID-19 coverage, does that mean that I can travel outside of Canada?
It’s important to check government travel advisories prior to travelling. Public health officials are currently recommending that Canadians avoid non-essential, international travel. Travelling when there is a government advisory may impact your travel insurance coverage.
| Coverage | Within 72 hours of trip purchase | More than 72 hours after trip purchase |
|---|---|---|
| Trip Cancellations | ||
| Trip Interruptions | ||
| Trip Delays | ||
| Baggage Loss/Theft | ||
| Air Flight Accident | ||
| Accidental Death & Dismemberment |
What if I choose to cancel my trip?
The answer to this question and more can be found in our Frequently Asked Questions
Enjoy peace of mind on your travels with full Trip Protection
- Trip Cancellation
- Trip Interruption
- Air Flight Accident
- Accidental Death & Dismemberment
- Lost Baggage
If you don’t want full Trip Protection, you can also choose your own coverage
Trip Cancellation (with Interruption)
Coverage for pre-paid travel fees if your trip gets unexpectedly cancelled before departure or interrupted once it’s begun.
Trip Interruption
Air Flight Accident
Coverage injury or death following a flight accident.
Accidental Death and Dismemberment
Baggage
Coverage for lost, stolen or damaged baggage. Also provides coverage to purchase items while baggage is delayed.