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Travel cancellation insurance.
Trip cancellation insurance is an easy way to protect an investment you’ve made in an upcoming trip in the event of cancellation, or, delay, due to unforeseen circumstances.
These can include anything from a weather-related problem, to job loss, to visa issues beyond your control, to the death of a host, or, your being called for jury duty.
Connect with a licenced broker to find the best trip cancellation insurance in Canada for the lowest rate.
At DirectRate.ca, we’ll share our expert knowledge of the coverages available from insurance companies across the country.
Our service is fast, thorough and 100% free.
How to find the best trip cancellation insurance.
To find the best trip cancellation insurance at the cheapest rate, start with a quote.
DirectRate.ca’s free, online tool will offer 10+ rates for trip cancellation insurance from companies across the country.
Next, connect over the phone with one of our licenced brokers.
To get started, you’ll need:
A few details of your upcoming trip, such as: destination, length of stay, how many people on the trip you want to insure.
Some details of your medical history, such as: age, pre-existing conditions, medical advice suggesting that you not travel.
A phone to connect with a licenced broker.
At DirectRate.ca, we’ll review the quotes you receive and the various benefits associated with each.
We’ll also answer all of your questions and point out additional ways that you may be able to save.
Our quotes and recommendations are absolutely free.
Types of trip cancellation insurance.
When you’re purchasing a travel insurance policy, a licenced broker will help you determine if it’s more economical for you to get an all-inclusive policy, or, a combination of policies.
These are some of the coverage benefits that you should consider including in any travel insurance policy:
Travel cancellation insurance
Trip cancellation insurance protects you from having to pay some, or, all of the cost of a trip that’s cancelled. It kicks in when the trip is cancelled before its scheduled departure.
Its benefits apply from the minute you purchase the coverage until scheduled departure.
Some trip cancellation insurance policies can include flight cancellation travel insurance.
Trip cancellation and trip interruption insurance are different types of coverage.
Trip interruption insurance
Travel interruption insurance applies when your trip is altered after the scheduled departure date. Coverage kicks in after the scheduled departure and runs through to the end of the trip.
Trip interruption insurance and trip cancellation insurance are distinct from each other.
Flight cancellation travel insurance
Flight cancellation insurance in Canada is available through many credit cards. Carefully review the fine print of your card’s policy to see what you may be covered for.
Flight cancellation insurance in Canada is available through many credit cards. Carefully review the fine print of your card’s policy to see what you may be covered for.
Some airline carriers in Canada also offer flight insurance. However, purchasing it from a carrier may be redundant if you’re already covered through a credit card, or, if you’ve purchased a travel insurance policy that covers you.
Some travel insurance policies will cover you for flight cancellations to a limit, such as $500.
Speak to a licenced broker to find out what sort of coverage is best for your trip.
Cancel for Any Reason Insurance travel insurance
In Canada, this product is precisely as described.
Also known as CFAR, it’s available through many travel insurance agencies, can be expensive and usually must be purchased at the same time that a trip is booked.
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Trip cancellation coverage: Frequently Asked Questions.
Trip cancellation insurance covers your investment in a trip that’s cancelled before departure for any reason defined in your policy.
You can find trip cancellation insurance for almost any reason.
For example, you can find trip cancellation policies that will protect you financially in the event of:
Bureaucratic visa issues – Issues beyond your control while visas are being processed.
Government advice – A government travel advisory issued for a country that you’re scheduled to travel through.
Illness – You, or someone insured under the policy, experience a medical emergency.
Legal affairs – You’re summoned for jury duty or have other unforeseen legal obligations.
Job loss – You lose your job, without cause.
Pregnancy – If you’re within nine weeks of giving birth to a baby you were not pregnant with when you booked the trip.
Connect with a licenced broker at Direct Rate to customize a trip cancellation policy that’s right for you.
Trip cancellation insurance will reimburse you for any pre-paid and non-refundable and non-transferable travel expenses, if your trip is cancelled before scheduled departure.
If your trip is cancelled before its scheduled departure, contact your insurer.
You will likely have to submit relevant forms, provide receipts for any out-of-pocket expenses you’ve incurred. You will also likely have to provide evidence that your ticket is non-transferable. In other words, that the travel carrier has not offered you a voucher for travel at a later date.
Trip cancellation insurance can cost 2-12% of the total cost of the trip.
Connect with a licenced broker to customize a policy that’s right for your trip.
Trip cancellation insurance will protect the investment you’ve made in an upcoming trip from the moment you’ve purchased the coverage to the moment of scheduled departure.
If your trip is cancelled before its scheduled departure, due to an unforeseen circumstance named by your trip cancellation policy, you’ll be eligible for refund for prepaid, non-refundable, non-transferable travel expenses.
Yes, but it’s often expensive and is only offered by a handful of insurance companies.
If you’re looking for travel insurance after your trip has begun, connect with a licenced broker at DirectRate.ca to review your options.
While it’s advisable to purchase trip cancellation within 10 days of booking a trip, it’s typically available up to 48 hours before your scheduled departure.
Be aware that no coverage is available for sickness or injury that may have occurred between the time you departed on the trip and the time you purchased a trip cancellation policy.
Maybe. It depends on your specific travel insurance policy.
Connect with a licenced broker at DirectRate.ca to customize a policy that’s right for you.
Inform the broker of any pre-existing medical condition, particularly if you believe you may need emergency medical care while you’re away from home.
Depending on your circumstances, it may be advisable to purchase separate travel medical insurance. A broker will advise you.
Trip interruption insurance is distinct from trip cancellation insurance.
With trip interruption insurance you’re eligible for a refund if your trip is delayed after it has begun. For example, a weather event could delay your plane, train or boat from leaving on time.
Trip interruption insurance will cover you for non-refundable, pre-paid and unused expenses, if you have to return home sooner or later than you planned.
Do I need to purchase flight cancellation insurance from an airline?
If you have an all-inclusive travel insurance policy, it’s likely that flight cancellation insurance will be redundant.
However, if you’re travelling without any travel insurance at all, it may be wise to consider coverages through alternative providers.
For example, many airlines offer flight cancellation insurance or Cancel For Any Reason Insurance is often available through travel agencies.