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'Single-trip' for one time only policies; 'Multi-trip' allows numerous trips during a one year policy period; 'top-up' allows you to add coverage to an existing plan (make sure your existing insurance provider allows top-ups from other companies or please
(Click on the space bar provided) Visitors to Canada enter the date you will leave your place of residence. Canadian Travelers enter the date you leave your province. When purchasing a multi trip annual plan enter the date you want your coverage to begin.
(Click on the space bar provided) Enter your return date for single trip or multi-trip plans. You can adjust maximum duration once you receive your quote if desired. Expats enter date they will receive provincial coverage.
Please list all destinations you will be traveling to. USA five days or less is only for travelers 'in transit'. If the USA is your main destination (not transit) and the trip is less than 6 days, choose 'more than 5 days' to see USA plans.
Enter the cost (per person) that will be incurred if your trip has to be cancelled, by adding up all nonrefundable deposits, fees and cancellation charges. Your entire trip cost must be insured.
Enter the date you paid your first non-refundable (or not 100% refundable) deposit towards travel arrangements. If you have not yet made deposit use today's date.
Your province of residence.
Enter the total number of people to be insured. Family rates are available but maximum age of children is 21. Otherwise ask for a quote for two companion travelers at a time.
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Trip Cancellation Insurance

Trip Cancellations

We offer a wide selection of trip cancellation policies to choose from. Get a quote and see! Cancellation insurance protects you against the risk of having to cancel your trip before it even gets started. Many events can sidetrack your well intended travel plans.

Sometimes, with cancellation penalties or non-refundable tickets, as well as reservations and tour expenses that might not be fully refundable, the costs of having to cancel a trip can add up to more than pocket change. For a fraction of those costs, you can rest assured that if you do need to cancel because of an insured risk, the only money that will be out of pocket is the cost of your insurance.

Trip cancellation policy example:
Of course each company has a slightly different set of definitions for what is covered and what is excluded, so it is important that you read through the coverage and to pay attention to those issues that may affect your travel plans. As an example though, the following list of insurable risks demonstrates the type of coverage that is offered:

  • You or your travel companion develop(s) a medical emergency or die(s).Untimely illnesses happen
  • A member of your immediate family, a member of your travel companion’s immediate family or your key-person develops a medical emergency or dies; or the person whose guest you will be during your trip is admitted to a hospital with an emergency or dies.
  • You or your spouse: a) become pregnant after you book your trip and your departure date falls in the nine (9) weeks before or after the expected delivery date, or b) legally adopt a child and the notice of custody is received after the effective date and the date of custody is scheduled in the nine (9) weeks before or after your departure date.
  • Your or your travel companion’s travel visa is not issued for a reason beyond your/their control.
  • You or your spouse are called to service as a reservist, fire-fighter, military or police staff, or to jury duty or to be a defendant in a civil suit, during your trip; or you or your spouse are subpoenaed to be a witness during your trip.
  • You, your spouse, your travel companion or your travel companion’s spouse are quarantined or hijacked.
  • You or your travel companion are unable to occupy your/their respective principal residence or to operate your/their respective business because of a natural disaster.
  • Trip cancellation covers itYou, your spouse, your travel companion or travel companion’s spouse: a) lose a permanent job because of lay-off or dismissal without just cause, b) are transferred by your/their respective employer; or c) must move from your/their respective principal residence.
  • You or your travel companion are transferred by the employer with whom you or your travel companion were employed at the time of application for this insurance, which requires a relocation of your or your travel companion’s principal residence. 
  • A business meeting that is the main intent of your trip and was scheduled before you, or you and your travel companion purchased this insurance, is cancelled for a reason beyond your control or the control of your employer and the meeting is between companies with unrelated ownership.
  • Foreign Affairs and International Trade Canada issues a written formal Travel Warning after you purchase your insurance, advising Canadians to avoid all or non-essential travel to a destination included in your trip.

The above list of covered risks is provided as an example only. Each company will provide a similar, but differently worded list. Whether you are planning a trip out of province within Canada, or away from Canada trip cancellation insurance will be combined with trip interruption insurance, and is offered by Manulife Travel Insurance, TIC travel Insurance Coordinators, Travel Guard Canada, Travel Underwriters, ETFS travel insurance and GMS Insurance.

If you want to only have trip interruption insurance, you can enter zero under trip costs when requesting a quote. Even if you have zero cancellation insurance, the trip interruption coverage may be invaluable. This applies to all-inclusive travel insurance plans as well.

Our Bestquote Compare tool on your quote presentation will allow you to quickly compare the differences in covered risk wording and select the plan that you feel is best for you.

Get Trip Cancellation Quote