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Accueil Travel insurance Plans and protections Other Protections (Trip Cancellation & Interruption Insurance, Baggage, Accidental Death & Dismemberment)

Other protections
Trip Cancellation & Interruption, Baggage, Accidental Death & Dismemberment

What’s important about these protections?

As the name suggests, travel medical insurance covers costs and expenses pertaining to a medical emergency happening while on a trip.

But what will become of your non-refundable deposits if you need to cancel or interrupt your trip? The sudden death of a family member, pregnancy, or involuntarily losing your job are only a few of the reasons that could alter your plans. To protect deposits given on an upcoming trip, Trip Cancellation & Interruption Insurance is what you need.

And to avoid having to wear the gift shop’s ugly t-shirt all week if you find out that your luggage had a different destination in mind, you need to purchase insurance that will cover the loss, theft, delay or damage to your baggage and personal effects.

With these optional protections in your back pocket, missing a correspondence or having to cancel your trip won’t feel as awful as it sounds.

Do these protections meet your needs?

  • Travellers of 85 years old and less
  • Coverage offered for one trip at a time
  • Up to $12,000 for trip cancellation and interruption
  • Up to $1,000 for baggage and personal effects
  • Up to $100,000 in case of accidental death or dismemberment
* Certain conditions and age limits may apply. Please see the policy for full details.

Are you eligible?

Travellers of 85 years old and less

“I just wanted to let you know that we are truly amazed and very satisfied with the speedy refund sent out on our travel insurance policy… Again, thank you very much for the excellent service.” B.S. et J.S. / Thunder Bay, ON, April 2020

What else do you need to know?

Coverage types and amounts

“Trip Cancellation & Interruption insurance” provides coverage up to $12,000 and can be sold as a stand-alone protection.

“Baggage” insurance provides coverage up to $1,000 for your baggage and personal effects, but cannot be sold by itself: it must be combined with “Trip Cancellation & Interruption insurance”, in which case you will be getting “Accidental Death & Dismemberment insurance” as a bonus, providing coverage up to $100,000.

See the policy for details of each protection.


Applicants must be 85 years old or younger. The policy must be purchased while the applicant is in their province of residence, and within 15 days of the first non-refundable deposit of the insured trip. Insurance must be purchased for the full duration of the trip and for an amount sufficient to cover the full value of the non-refundable, non-transferable portion of the travel arrangements, up to a maximum of CAN $12,000 (therefore, you cannot insure a trip worth more than CAN $12,000).

Buying online and the “Combined Protection” discount

Due to technical reasons, these protections cannot be sold by themselves online: they must be combined with travel medical insurance. A “combined protection” discount of 5% is automatically added. If you want to subscribe Trip Cancellation & Interruption insurance without a medical protection, you must contact your broker or one of our sales representatives. Take note that this is possible only in some provinces, due to licensing requirements in other areas.

Complimentary Emergency Assistance

All of our protections include services from Tour+Med Assistance, our emergency assistance team. They are available 24/7, from anywhere in the world.

FAQs from travellers just like you

Can I purchase Baggage insurance by itself?

Baggage insurance cannot be sold by itself; it is sold as a package with Trip Cancellation & Interruption insurance, and coverage in the event of Accidental Death & Dismemberment.

What risks are covered by Trip Cancellation-Interruption insurance?

If purchased, Trip Cancellation & Interruption insurance covers specific situations that could happen before or during your trip, causing you to cancel or interrupt your trip. Your policy could also provide coverage for your baggage and personal effects, and protection in the event of accidental death or dismemberment. (See the policy for details on covered risks and applicable benefits.)

Am I covered if my trip was cancelled due to COVID-19?

It depends… On March 9, 2020, the Canadian Government issued an advisory to “avoid all cruise ship travel”. This advisory is still effective. On March 13, 2020, they issued a global advisory to “avoid non-essential travel”. This advisory was lifted on October 21, 2021.


For a trip other than a cruise:

Any initial Trip arrangement booked between March 13, 2020 and October 21, 2021 is not covered in the event of a trip cancellation or interruption pertaining to the advisory to “avoid non-essential travel”, since the advisory originated from the COVID-19 pandemic, and COVID-19 was a known risk at the time of booking.

Initial Trip arrangements booked on October 22, 2021 or after are covered (subject to the terms, conditions and limitations of the policy).


For a cruise:

Any initial Trip arrangement booked after March 9, 2020 is not covered in the event of a trip cancellation or interruption pertaining to the advisory to “avoid all cruise ship travel”, since the advisory originated from the COVID-19 pandemic, and COVID-19 was a know risk at the time of booking.

In other words, COVID-19 is considered a known risk since March 9, 2020 (for cruises) and is not an insured risk for initial Trip arrangements that would have been made after that date. (Coverage of a possible trip cancellation or interruption is subject to the other terms, conditions and exclusions of the protection.)

Save with our appealing discounts

Loyalty discount

Save 2% to 5%, to thank you for choosing us year after year. It pays to be loyal!
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2 Travellers discount

Discount of 5% when 2 people travel together and are covered on the same policy.
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Early Bird discount

Save up to 5%. For a limited time only.
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Combined Protection

Save 5% when you purchase travel medical insurance and Trip Cancellation & Interruption insurance simultaneously.
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Customize your coverage with our interesting options

COVID-19 Rider

Coverage up to $5,000,000 in the event of a positive diagnosis, and additional benefits if you need to quarantine (without hospitalization).
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Deductibles offering a discount on your premium

Traditional or Hospital-Care, you will save from 5% to 35%.
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Reduced Stability Period

30 days before your departure rather than 3/6 months for pre-existing medical conditions. Coverage up to $5,000,000.
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Optional Exclusion

Reduced premium in return for an exclusion on a given body system or organ.
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25% Deposit Option

You pay 25% of the premium at the time of purchase. Balance is payable up to 2 weeks before your departure.
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Intrigued by this plan?

Contact your broker, ask for a quote or speak with one of our sales representatives.