Trip Cancellation and Interruption Insurance

When an eligible flight is registered on the insurer’s platform at least 6 hours before departure and experiences a delay, this coverage allows you to automatically receive a payment of up to $150 or access to an airport lounge.

When a trip is cancelled or interrupted due to an unforeseen event, non-refundable trip expenses are covered, such as flights, accommodations, excursions, etc.

Reasonable expenses incurred (accommodations, meals, taxis, vehicle rental, phone calls, or internet use) will be reimbursed, up to $400 per day, for a maximum overall amount of $4000. 

This coverage covers travel expenses incurred due to a passport not being issued within the timeframe confirmed by Passport Canada.

This coverage is designed to offset financial losses if the Canadian government issues an official advisory discouraging or restricting travel to your intended destination. Reasons may include civil unrest, natural disasters, epidemics, pandemics, terrorist threats, etc. The advisory must be issued before your departure but after you purchased your travel insurance. Your insurance may reimburse non-refundable expenses you have already incurred for your trip: airfare, hotel stays, car rentals, guided tours, etc.

This coverage applies if a loss occurs and you must cancel or interrupt your trip. Covered losses may include fire, water damage, break-ins, or other events beyond your control.

This coverage applies to certain situations affecting the private vehicle of the traveller or their travel companion, including theft, mechanical breakdown, or a road accident. It applies when the event occurs on the way to the trip’s departure point or on the return journey.

This coverage applies in the event of emergency surgery or the unexpected death of a cat or dog within the 10 days prior to departure. It also covers certain situations requiring emergency surgery for an animal not travelling with the insured person.

This coverage protects you before and during your trip if you experience complications during the first 31 weeks of pregnancy. It also covers you if you become pregnant after purchasing your trip and your departure date falls within the 9 weeks preceding your expected delivery date or after that date. 

You are covered under this benefit when you undertake a trip whose sole purpose is to attend a business meeting, conference, or convention, and the event in question is cancelled. 

This coverage applies when you miss boarding with the common carrier responsible for your transportation because the public or private vehicle used to reach your boarding point was delayed due to a natural disaster, extreme weather conditions, a road closure ordered by police, a mechanical breakdown, or an accident.

This coverage applies if the travel service provider with whom you made some or all of your prepaid travel arrangements ceases operations, in whole or in part, directly or indirectly as a result of bankruptcy or insolvency, and is unable to provide the services for which you paid. 

This coverage applies if you are unable to depart due to a strike or major disruption that deprives you of at least 30% of your trip, such as: 

• a natural disaster;
• extreme weather conditions;
• a strike (unless it was anticipated, imminent, or had been announced before the purchase of your trip and the taking out of your insurance); or
• the cancellation of your flight by a common carrier for a reason other than a strike, when despite all reasonable efforts, it is impossible for you to find another means of transportation to reach your destination.

If you purchase your insurance within 72 hours of booking your trip, you may cancel your trip up to 3 hours before departure. The reason may differ from those listed in your policy.

Limitations and conditions apply. 

Once you have been at your destination for at least 48 hours, you may use this benefit to interrupt your trip. The reason may differ from those listed in your policy. 
Limitations and conditions apply.