Travel Insurance

Coverage for emergency medical expenses, trip cancellation and interruption costs, delayed or lost baggage, as well as flight accidents.

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A young family while on vacation, reviewing a map together and figuring out where to go next.

What is travel insurance?

Travel insurance is a crucial tool for managing unexpected costs while traveling. It covers a range of situations, including emergency medical expenses, trip cancellations or interruptions, and issues with baggage or travel accidents.

The most critical aspect of travel insurance is emergency medical coverage. It's risky to travel abroad without it, as it protects against potentially high costs of medical care in foreign countries.

Medical emergencies abroad can be expensive. Travel insurance ensures you're not personally liable for these costs, providing peace of mind and financial protection during your travels.

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Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.

Frequently asked questions

Answers to key questions about Travel Insurance

What Doesn't Travel Insurance Cover?

Travel insurance doesn't cover everything. For instance, it usually doesn't pay for issues related to high-risk pregnancies, activities like motor racing or stunts, and pre-existing medical conditions that aren't stable. It's important to read your policy to know these exclusions. If you're unsure about what's not covered or need more information about your policy's specific rules and limits, you can always contact your advisor for help.

Are Travel Advisories Covered by Travel Insurance?

Travel insurance coverage can be influenced by travel advisories, such as government warnings or media reports about severe weather, civil unrest, or disease outbreaks at your destination. Many policies include a "known events" clause. This means if an event (like a volcanic eruption) is already known when you buy your insurance, you might not be covered for claims related to that event. For instance, if you buy a policy after a travel warning is issued and then need to cancel your flight because of that event, your claim could be affected. However, claims for unrelated medical expenses are usually assessed based on your policy's terms and conditions, regardless of the travel advisory.

Does Travel Insurance Cover Every Destination Worldwide?

Travel insurance usually doesn't cover trips to places where the Canadian government, through Global Affairs Canada, has advised against travel. This includes warnings against all travel or non-essential travel issued before your policy starts. Before you buy travel insurance and before your trip, it's a good idea to check the Government of Canada's Travel and Tourism website for any travel advisories. Also, make sure to read your travel insurance policy's terms and conditions to confirm that it covers your destination.

You can view the Government of Canada Travel Advisories at the following URL: Travel advice and advisories -

Still have questions?

Please contact our office and we'll be happy to address any questions you may have.