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Protect your vacation with trip cancellation insurance

Cancellations or delays can seriously affect your holiday and travel plans. Trip cancellation coverage can help protect you financially – request a free quote.

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What is trip cancellation insurance?

Despite months of expert planning, a vacation can be over in moments, when sudden and unforeseen events require you to cancel travel plans. Even the best-laid plans can be derailed by a medical emergency, death in the family, natural disasters, or visa issues. The same goes for emergencies that happen while on a holiday.

With trip cancellation insurance in Canada, you’ll be reimbursed for prepaid, non-refundable, non-transferable travel expenses if your trip is cancelled before departure or interrupted due to a covered event as defined by your insurance policy.

Trip cancellation insurance must be in place before you travel. Ideally, it should be purchased as soon as your trip is booked - especially if your departure date is months away - to ensure you're covered before something happens that would force you to abruptly cancel.

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How does trip cancellation insurance work in Canada

One of the most important parts of a travel insurance policy is understanding exactly what’s covered and excluded in a policy, especially when it comes to pre-existing medical conditions for yourself, your spouse, travel companion, or immediate family members. Not every situation or loss is covered, and coverage is restricted to the terms outlined in your policy. 

In addition to pre-departure cancellation coverage, a few things that are also covered under a standard trip cancellation policy include: 

  • Baggage loss insurance: Reimbursement for certain costs related to the loss, damage or theft of luggage or travel documents such as visas or passports during your trip.
  • Baggage delay: Reimbursement for the cost of purchasing essential clothing and toiletries if your luggage is delayed for a certain number of hours.
  • Trip delay and interruption: Reimbursement if your trip is delayed or interrupted due to a covered cause. Covered causes may include emergency illness, injury, hospitalization or quarantine of you, your spouse, travel companion, immediate family member, caregiver, key employee or business partner or destination host.
  • Flight and travel accident: Benefits for serious injury or death because of an accidental injury that occurs on a commercial aircraft during your trip.

If the non-refundable portion of your trip is expensive, you should consider factoring the cost of travel insurance into the cost of a trip - a $500 premium beats paying the full cost of a non-refundable $5,000 trip.

Get the best trip cancellation insurance for Canadians.

Travel insurance is inexpensive, quick to arrange, and it protects you against the pain of trip cancellations or flight delays. Make sure your planned vacation is fully protected.

Frequently asked trip cancellation insurance questions

Should I get trip cancellation insurance?

How much does trip cancellation insurance cost?

Can I buy just trip cancellation insurance only?

Is trip cancellation insurance worth buying?

What are covered reasons for trip cancellation?

Can I purchase trip cancellation after booking a trip?

Do travel insurance policies include trip cancellation?

What is trip cancellation for any reason?

Does my credit card cover trip cancellation insurance?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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