Trip Protection Insurance

Peace of mind coverage for trip cancellation, trip interruption, airline delays and baggage loss, damage or delay.

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Important COVID-19 Travel Insurance information

The Government of Canada has issued an official global advisory to avoid non-essential travel (Level 3) outside of the country to limit the spread of Coronavirus (COVID-19). As a result, coverage related to Coronavirus (COVID-19) will be affected:

Travel Medical Insurance
For trips that depart on or after March 13, 2020, Coronavirus (COVID-19) related illness will not be covered unless you are fully vaccinated. You can learn more about how Government travel advisories impact coverage in our Travel Insurance FAQs.

Trip Protection Insurance (Cancellations/Interruptions)
Effective March 12, 2020, we are considering Coronavirus (COVID-19) to be a known event for individually purchased Trip Protection. Travel insurance is intended to cover losses arising from sudden and unforeseeable circumstances. Any claims resulting from events known to a policyholder at time purchasing the trip are not covered.

These conditions will remain in effect until the advisory is lifted or otherwise stated by Pacific Blue Cross.

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

  1. 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.

  2. 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.

  3. 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    
Trip Protection Tip: Check the Canadian Government Travel Advisories before purchasing. Trip Protection Insurance will not cover you when a Level 3 (Avoid non-essential travel) or Level 4 (Avoid all travel) government Travel Advisory has been issued prior to purchase and your claim is related to the reason for the advisory.

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

Coverage for pre-paid travel expenses if your trip gets unexpectedly interrupted once it’s begun.

Air Flight Accident

Coverage injury or death following a flight accident.

Accidental Death and Dismemberment

Coverage in case of death or loss of limbs due to an accident while travelling.


Coverage for lost, stolen or damaged baggage. Also provides coverage to purchase items while baggage is delayed.