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Trip Cancellation & Interruption Insurance
Reimburses non-refundable travel costs if travel plans are cancelled before departure or interrupted after departure.
What is trip cancellation and trip interruption insurance?
Trip Cancellation and Interruption Insurance is useful for safeguarding your travel investments against unforeseen events. This insurance provides financial reimbursement if you need to cancel your trip before departure or if your journey is interrupted after it has begun. It covers non-refundable and prepaid travel expenses, such as flight tickets, hotel bookings, and tour reservations, that can't be recovered from any other source.
Cancellation coverage is activated if unforeseen circumstances like illness or injury prevent you from starting your trip, ensuring you're reimbursed for expenses already paid. Interruption coverage, on the other hand, responds if your trip is unexpectedly cut short or altered due to emergencies, covering additional costs such as rebooking fees or last-minute accommodations.
Cover Non-Refundable Trip Costs
Reimburses prepaid, non-refundable travel expenses for cancellations or interruptions.
Emergency Flexibility
Assists with extra costs due to unexpected trip changes or emergencies.
Broad Coverage
Covers a wide array of reasons for trip cancellation or interruption. 'Cancel for Any Reason' available.
How does trip cancellation and interruption insurance work?
Assess Non-Refundable Costs: Identify the non-refundable part of your trip expenses, such as prepaid flights, hotels, and tours, which can't be recovered through refunds or credits.
Purchase Before Departure: Obtain your trip cancellation and interruption insurance prior to leaving and shortly after incurring any non-refundable trip expenses. This ensures your coverage is active for the entire duration of your trip.
Claim for Trip Cancellation: If you need to cancel your trip before departure due to a covered reason (like illness or unforeseen events), you can file a claim to reimburse these non-refundable expenses.
- Claim for Trip Interruption: In case you need to cancel or alter your trip after it has started due to a covered reason, you can submit a claim for reimbursement of incurred additional costs, such as rebooking or accommodation expenses.
Get help with your travel insurance planning.
Speak with a professional advisor who can help.
How much does trip cancellation and interruption insurance cost?
Trip Cancellation & Trip Interruption coverage is designed to reimburse you for the non-refundable portion of your trip. For that reason, there are really only two primary factors that affect pricing:
Age
Insurance costs generally increase with age.
Coverage amount
Equivalent to the non-refundable portion of your trip.
Other types of travel insurance
Explore Your Coverage Options.
Visitors to Canada
Coverage for emergency medical costs when your friends or family visit Canada from abroad, or to satisfy Super Visa requirements.
Student Travel Insurance
Coverage for emergency medical expenses & checkups when studying away from home.
Emergency Travel Medical Insurance
Travel medical insurance covers the cost of emergency medical care wherever you are.
Get in touch
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 Trip Cancellation and Interruption Insurance
A “covered reason” is a situation your policy lists as eligible for a claim. Covered reasons vary by insurer and plan, and they often depend on when the event occurs and whether it was unforeseen at the time you bought coverage. The safest approach is to confirm what your specific policy defines as covered before relying on it.
Trip cancellation coverage is generally designed for situations where you need to cancel before your trip starts. Trip interruption coverage is generally designed for situations where a covered event occurs after your trip has begun and you need to cut the trip short or change your travel plans. Exact terms, required documentation, and how claims are assessed depend on the policy.
Whether a cancelled flight is eligible for reimbursement depends on your policy wording and the reason for the cancellation. Some policies respond only to specific covered reasons and may coordinate with refunds or credits available from travel suppliers. Reviewing your policy terms is the best way to understand how your coverage applies.
Coverage for prepaid or additional accommodation costs depends on the policy and the reason the costs were incurred. Some plans may respond in certain situations, while others may not. Because coverage details vary, it’s important to review your policy wording and confirm how accommodation-related expenses are treated.
Still have questions?
Please contact our office and we'll be happy to address any questions you may have.
