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Travelling can be one of the most enjoyable and memorable experiences of your life. But what’s not so enjoyable are the consequences of not having travel insurance to help protect you against the cost of unexpected emergencies that may occur before or during your trip.

Unforeseen events can happen anytime while travelling, and they can be costly to travellers without protection. There are many different insurance plans available to provide coverage for your trip costs. All-inclusive travel insurance policies were designed to offer the most robust trip protection, including coverages for emergency medical expenses, medical evacuation, baggage and baggage delay, and trip interruption and trip cancellation, all under one policy.

What is all-inclusive travel insurance?

It’s no secret that travelling can be stressful, especially if an emergency occurs during your trip. For the most robust trip protection, there is a type of insurance available known as all-inclusive travel insurance that offers the combined benefits of trip cancellation and emergency medical policies.

All-inclusive coverage is available for trips of various lengths, ranging from a single trip to an annual (or multi trip) plan.

What does all-inclusive travel insurance cover?

Medical Coverage

Health insurance is top of mind for Canadian travellers planning to venture abroad. Whether you are travelling abroad, to another province or territory, or just going across the U.S. border for the day, your Canadian government health insurance plan will not cover your medical expenses while you are travelling out of your home province or territory. Medical coverage while travelling has become more imperative due to the COVID-19 pandemic.

Travel medical insurance is designed to cover expenses due to unexpected illness or accident occurring while a Canadian resident is travelling outside of their home province or territory. This coverage may include hospitalization and treatment, medical transport, medical evacuation, prescriptions, and other out-of-pocket expenses.

Coverage for Baggage and Baggage Delay

One of the most frustrating things that can happen during a trip is losing one’s luggage. This situation often goes beyond an inconvenience, with the traveller needing to replace their lost items while waiting for the recovery of their lost luggage. Unfortunately, some luggage has never been recovered, which is why this coverage was designed. Most all-inclusive travel insurance policies include coverage for lost or delayed luggage, up to a certain amount, and may vary based on the length of the delay.

Trip Interruption and Trip Cancellation Coverage

It’s difficult to cancel plans with family or friends due to an unforeseen event. Therefore, it may be worth purchasing travel insurance that includes coverage for trip interruption and trip cancellation for financial protection in the event you need to cancel or interrupt your trip due to an unforeseen covered event listed in your policy’s details, such as:

  • Illness (as per the restrictions and limitations of your policy)
  • Injury (as per the restrictions and limitations of your policy)
  • Natural disasters
  • Accidents
  • Terrorism, war or other covered events


The insurance may also provide for lodging expenses if your home becomes uninhabitable due to a covered event.

Some policies provide more flexibility in cancellation with the Cancel for Any Reason (CFAR) coverage. This benefit is time-sensitive and may reimburse trip costs if you cancel your trip for reasons usually excluded from your policy, and if certain conditions are met.


Whether you are travelling for family, work or to have an adventure, an all-inclusive plan will include the most types of coverages to protect the investment you have made into your trip if the unexpected happens.

We can help you to make an informed decision about the right travel insurance for you. We will take the time to help you find an insurance plan that is based on your needs and your travel plans. If the unexpected happens during your trip, you will know where to turn for help.


DISCLAIMER: This guidance in this article is provided for informational and educational purposes only. It is intended to offer guidance regarding travel insurance and the benefits which may be available. It does not guarantee coverage for any traveller. The information in this article reflects the most up-to-date information available at the time of publication. If you have questions regarding specific coverage details or available travel insurance plans, please contact our licensed customer care team.