Trip Cancellation & Trip Interruption Travel Insurance

You've spent time researching your trip. You've found the perfect one. You've paid for it. And then something unexpected happens and you can't go. CoverMe® Trip Cancellation and Trip Interruption Plan covers up to the amount you insured before your departure date to a maximum of $20,000.

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Medical emergencies affecting you and your immediate family aren't the only thing that can change your travel plans, so we offer protection for a range of risks.

See the policy for detailed information on benefits, limitations and exclusions.

Standalone protection in case your plans change

  • Trip cancellation and interruption insurance up to the amount you insured before your departure date to a maximum of $20,000
  • Reimburses you for the prepaid, non-refundable, non-transferable portion of your trip when your trip cancellation or interruption is due to a covered event

Conditions, limitations and exclusions apply. See policy for details.

Apply at any age*

  • Canadian resident, or
  • Anyone travelling through Canada

* Dependent children must be at least 30 days old.

Covers medical events

  • Unexpected medical emergency or death of insured, insured's travel companion, an immediate family member or key person
  • Travel host hospitalization or death

Covers other risks too

  • Business meeting cancelled
  • Called to jury duty
  • Travel visa not issued
  • Missed connection

What's excluded?

  • Any medical condition that was not stable for three months before the purchase date of your trip cancellation and interruption insurance
  • Your or your travel companion's heart condition if any heart condition was not stable or required any form of nitroglycerine for the relief of angina pain during the 3 months prior to the purchase date of trip cancellation and interruption insurance
  • Your or your travel companion's lung condition if any lung condition was not stable or required treatment with oxygen or Prednisone during the three months prior to the purchase date of trip cancellation and interrruption insurance

Carry your policy everywhere you travel

Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide assistance if you need to cancel or interrupt your trip.

Does this policy seem like a good match for your needs?

These plans may also work well for you

Single-Trip All-Inclusive Plan

Get trip cancellation and trip interruption insurance plus:

  • Emergency medical benefits 
  • Baggage loss, damage or delay
  • Flight accident and travel accident insurance

Single-Trip Emergency Medical Plan

Add up to $10 million in emergency medical benefits in case you get sick or hurt while you're away.

Multi-Trip Emergency Medical Plan

Get only emergency medical benefits, without  trip cancellation, interruption, baggage and travel accident insurance.

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Top 5 questions about travel insurance

When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.

We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe® Travel Insurance's terms and conditions.

For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:

  • No event that has resulted or may result in a claim against the policy, and
  • No change in your health status

You must call 1-877-268-3763 before your coverage expires and pay the appropriate premium.

For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-877-268-3763 and we will do our best to help you.

A dependent grandchild meets our definition of  "child." To be covered, your grandchild must be named on your confirmation and be travelling with you. Keep in mind that all travellers covered under a family travel insurance plan must be under age 60.

All our travel insurance plans for travelling Canadians start with a $0 deductible. You can save money with a higher deductible on our Single-Trip Emergency Medical Plan and Multi-Trip Emergency Medical Plan (these deductibles apply only to emergency medical coverage. COVID-19 Pandemic Travel plan not included):

  • $500 deductible – save 10%
  • $1,000 deductible – save 15%
  • $5,000 deductible – save 30%
  • $10,000 deductible – save 35%
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