Table of Contents:
- About This Insurance
- Simple Assessment Form
- Benefits
- Coverage
- Premium Rate
- Real-Case Examples
- FAQ
- Government of Canada Travel Advice & Alerts
About This Insurance
When you’re traveling, health coverage alone isn’t enough. Non-medical travel insurance helps protect the rest of your journey—your money, your belongings, your time, and your peace of mind. It ensures you’re covered for the most common travel risks that aren’t related to medical emergencies. The items covered by this insurance include:
1. Trip Cancellation, trip Interruption, missed connection , and Travel Delay
- Trip Cancellation coverage reimburses your prepaid, non-refundable expenses if you’re unable to travel due to a covered reason (e.g., sudden illness, family emergency, weather disruptions, jury duty).
- Trip Interruption coverage covers the cost of returning home early and any unused, non-refundable trip portions if your trip is cut short unexpectedly. It is ideal for protecting high-value travel plans and long-term visits (e.g., Super Visa holders).
- Missed connection coverage provides reimbursement if you miss a connecting flight or cruise due to an eligible cause (e.g., flight delays, weather issues).
- Travel Delay coverage covers meals, hotel stays, and transport due to unexpected travel delays (usually applies after a 6–12 hour delay).
Conditions for Making a Claim in Case of Trip Cancellation or Flight Delay
- Medical emergency or death of the traveler or their companion
- Disruption of a scheduled business commitment
- A travel advisory or travel ban issued by the Government of Canada for the destination country (for various reasons — see the official Government of Canada website for details)
- Travel visa denial
- Occurrence of natural disasters or unforeseen catastrophic events
2. Baggage Loss, Damage, or Delay
- Reimbursement for lost, stolen, or damaged luggage or personal items.
- Baggage Delay: Compensation for essential purchases if your bags are delayed for 12+ hours.
3. Emergency Assistance Services
24/7 multilingual assistance hotline for emergencies including lost passport support, hotel/flight coordination, and document replacement.
4. Rental Car Protection (Optional Add-On)
Covers damage, theft, or third-party liability for rental vehicles as part of comprehensive or optional coverage.
5. Accidental Death & Dismemberment (AD&D)
- Lump-sum payment for accidental death or serious injury during the trip.
- Common benefit limits: CAD 50,000–100,000.
6. Document Replacement
Covers costs related to replacing lost or stolen travel documents including passports, visas, or airline tickets.
7. Travel Advisory Coverage
Covers cancellation or interruption if a government-issued travel advisory is declared after booking (excluding known advisories like COVID).
If you’re traveling by plane, be sure to get medical insurance as well as coverage for flight delays, cancellations, or lost luggage.
If you’re traveling by car, make sure you have adequate and proper coverage for both the driver and the vehicle in case of an accident.
Simple Assessment form
To choose the best and most suitable insurance and to receive an accurate quote, please complete the form below.
***Why is it important to provide accurate personal information in the insurance form? ***
Benefits
- Protects your travel investment.
- Helps with unexpected non-medical issues.
- Fulfills Super Visa insurance requirements.
- Enhances peace of mind for travelers of all ages.
Coverage
Coverage varies depending on the type of insurance. The table below shows examples of typical coverage amounts:
- Trip Cancellation: Up to 100% of costs
- Trip Interruption: Return fare + unused portion
- Baggage Loss: CAD 1,000–2,000
- Baggage Delay (12+ hrs): CAD 400
- Travel Delay: CAD 500–700
- Accidental Death or Dismemberment (AD&D): CAD 50,000–100,000
- Rental Car Coverage: Varies by provider
- Document Replacement: CAD 500–1,000
Premium rate
- Premiums depend on age, trip length, value, and benefits.
- Bundling medical and non-medical plans often saves money.
- Consider multi-trip annual policies for frequent travelers.
- Always review benefit limits, exclusions, and waiting periods.
Real-Case Examples
Alex, a 38-year-old businessman from Vancouver, was on a busy work trip to New York. Between meetings and presentations, he never imagined that one small setback could disrupt everything: his checked luggage never arrived. Inside were his work clothes, presentation materials, and personal items. After 21 stressful days, the airline declared the luggage officially lost.
Fortunately, Alex had purchased non-medical travel insurance covering baggage and personal effects, with a limit of CAD 2,500. Thanks to this preparation, replacing everything wasn’t a nightmare:
- Replacement clothing: $1,100
- Toiletries & essentials: $200
- Lost personal items: $900
Total paid by insurer: $2,200
This experience reminded Alex that travel insurance isn’t just a formality—it’s a safety net that turns unexpected challenges into manageable setbacks.
FAQ
Can non-medical incidents also be covered by travel insurance?
Yes, many travel insurance providers offer the option to add non-medical coverage to your policy. These types of coverage are designed for situations that don’t directly affect your physical health but can disrupt your travel plans, such as:
- Trip cancellation or flight delays
- Lost or damaged baggage
- Trip cancellation due to natural disasters or work-related reasons
- Visa denial
- Travel bans issued by the Government of Canada
By adding this type of coverage, you can protect yourself financially against additional costs and potential losses caused by non-medical issues.
Government of Canada Travel Advice & Alerts
Travel advisories and recommendations provided by the Government of Canada help you make informed decisions and travel more safely while outside Canada.
Please check the travel advisory page for your destination regularly, as safety and security conditions may change.
For more information, visit the official Government of Canada website
