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The Travel Insurance You Could Be Missing

Trip cancellation and trip interruption coverage can help you out if you're forced to call off travel plans

Women sitting in airport looking at a phone together

Most travellers know they should buy travel medical insurance if they’re heading outside the province or the country. But there's lesser-known coverage that is vital for any vacation: trip cancellation and trip interruption insurance. Here are six reasons why the coverage is so important.

1. Trip cancellation insurance can bail you out if you have to cancel your trip

Woman sitting in bed blowing her nose with laptop and pile of tissues next to her

Vacations aren’t cheap, and while most go off without a hitch, there’s a chance you might have to call yours off at the last minute. That’s where trip cancellation insurance can be a big help. It will reimburse you for vacation-related expenses that might not be refundable, like plane tickets and hotel stays. Plus, there’s a “Cancel For Any Reason” benefit available as part of CAA’s Trip Cancellation and Interruption Insurance*. This benefit gives you the flexibility to cancel your trip simply if you change your mind and potentially get up to 75% of your non-refundable expenses.

2. Trip cancellation insurance covers an array of potential vacation-ending problems

Man sitting on airport floor with backpack, camera and suitcase around him

If you or a family member get sick and can’t travel, trip cancellation insurance will reimburse you. But medical emergencies aren’t the only holiday-ending events that it covers. You’ll also be safeguarded if you lose your job, authorities issue a travel advisory for your destination, your travel provider goes bankrupt, you misplace your passport en route to the airport and even if you’re called in for jury duty.

3. Trip interruption insurance helps guard against problems after you’ve left home

Woman with backpack standing at airport window watching the rain

Travel can be unpredictable. From weather-related delays to family emergencies, many things can derail your vacation. That’s why it’s important to have trip interruption insurance. It will pay for your flight home in the event of a disaster, and cover meals and accommodation if you miss a flight because of bad weather. 

4. You might already have additional travel insurance coverage, but is it enough?

Woman with backpack and rolling suitcase looking at airport departures board

As of January 1, 2020, the Ontario Health Insurance Plan (OHIP) no longer covers any portion of out-of-country emergency medical expenses. That’s why the Ontario government strongly recommends that you buy supplementary travel insurance if you’re planning a trip abroad or even out of the province. Many Canadians have travel insurance through their credit cards or as part of their employment benefits. But not all policies cover trip cancellation and interruption. (And if they do, it’s often limited coverage.) Experts recommend that you contact your insurance provider and ask them what they cover.

5. CAA is a one-stop shop for all your travel insurance needs

Hands placing folded tropical shirt into suitcase along with straw hat and sandals

If you want emergency medical benefits, plus coverage for flight accidents, lost or delayed baggage, and trip cancellation and interruption, look no further than CAA. CAA Travel Insurance offers two travel insurance plans: one for single trips and another for multiple holidays. Plus, CAA coverage provides you with customer assistance 24 hours a day, 365 days a year.

6. You can save on travel insurance with CAA

CAA Members get a 10% discount** on travel insurance. For more information, call 1-877-216-8222 or visit CAA South Central Ontario’s travel insurance website

Not a Member? It’s easy to sign up.

Making travel plans?

Find out how to choose a safe travel destination, learn why it’s important to check travel advisories before and during your trip, and get the facts on travelling with cannabis.

Image credit: iStock.com/AzmanL, iStock.om/svetikd, iStock.com/flukyfluky, iStock.com/yoh4nn, iStock.com/Yelizaveta Tomashevska and iStock.com/seb_ra

CAA Travel Insurance is underwritten by Orion Travel Insurance Company, a CAA Company. Certain exclusions, limitations and restrictions apply. A Medical Questionnaire is required if you are 60 years of age and older.

*Cancel for Any Reason benefit(s) are covered only if you purchase your policy within 72 hours of booking your travel arrangements or before cancellation penalties come into effect. Subject only to the General Exclusions and Conditions.

** Applies to CAA Members in good standing with dues paid in full by membership expiry date. 10% savings applies to the total premium excluding applicable taxes. Minimum premium applies. Excludes Visitors to Canada Insurance. Subject to change without notice. See full policy for all terms and conditions at caasco.com/policy.