Our collection of travel insurance FAQs helps travellers address common concerns and quickly find answers to travel-related questions. We are always adding new FAQs, but if your question is not here, do not hesitate to contact our Customer Care team.
For information on how to file a claim, please visit our claims page.
Top Questions from Fellow Travellers
What does travel insurance cover?
Travel insurance coverages are unique to each traveller. Common coverage options include emergency medical coverage, trip cancellation, trip interruption, travel delays, medical evacuation and baggage coverage.
When should I buy travel insurance?
The earlier you purchase your travel protection, the more options may be available to you. Trip Cancellation coverage starts on the day you purchase a plan. Plans with trip protection benefits must be purchased before you leave your home.
How much does travel insurance cost?
The cost of travel insurance plans will vary. Common cost considerations include age and number of the travellers, destination, length of trip, and type of coverage. In general, plans that include trip cancellation and trip interruption will cost between 4%-10% of your total pre-paid, non-refundable trip cost.
Does travel insurance cover COVID-19?
Many policies may offer coverage for COVID-19-related travel concerns. It is important to remember that all insurance is subject to exclusions and limitations so be sure to read the policy wording of your plan carefully. If you have any questions, our licensed agents are available to help.
Does my provincial health insurance cover me while travelling abroad?
Canadian health insurance may not pay your medical bills while you’re travelling outside of Canada. Your provincial or territorial health plans may cover only a small part, or none, of the costs of medical care abroad.
It is important to consider that foreign hospitals can be very expensive and may require immediate cash payment, and in some countries hospitals or clinics may not treat you if you do not have enough insurance or money to pay for the services.
Why do I need additional travel insurance if I already have credit card coverage?
While your credit card may offer some protection, it may not provide the same amount of coverage available from traditional travel insurance. Travellers seeking additional assistance when evaluating their travel insurance options can contact a licensed travel insurance agent for help.
Is InsureMyTrip an insurance provider?
InsureMyTrip arranges insurance on behalf of various Canadian insurers. It is important to remember that all insurance is subject to exclusions and limitations. Be sure to read the policy wording carefully. If you have any questions, our licensed agents are available to help.