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  4.8 Stars

Why Do Canadians Need Travel Insurance?

We all love to travel, but are you prepared for the unexpected? Travel Insurance covers lost baggage, medical emergencies, personal item theft, and cancelled departures.

Depending on your Travel Insurance coverage, you will be partially or fully reimbursed for your unexpected travel related expenses. It is smart to purchase Travel Insurance as soon as you book your trip because you’re unlikely to find an insurer willing to provide you with a plan once you’ve begun your trip. Travel Insurance is vital, even if your trip is within Canada.

How do Travel (or Medical Travel) Insurance work?

Travel insurance works similarly to other types of insurance. You will pay a premium in order to get benefits that will offset the costs of unexpected travel delays or emergencies.

Depending on your plan, your travel insurance will cover a portion or all of your expenses – from hotel reservation cancellation to non-refundable flight tickets to lost baggage.

What does Travel Insurance cover?

Our travel insurance plan will vary by provider. However, travel insurance may cover a portion or all of the costs associated with travel emergencies and delays. These can include illness, ambulance services, lost belongings, tour cancellations, flight cancellations, delays due to weather, and more.

Travel insurance covers you and your belongings in the case of many issues or emergencies, including:

  • Injury
  • Trip delays
  • Lost baggage
  • Ambulance services
  • Illness
  • Trip cancellation
  • Medications
  • Medical emergencies
What factors affect Travel Insurance rates?

Like other types of insurance, rates will vary by provider and the type of coverage you need. Some factors that play a role in your travel insurance rate are:

  • Where you are traveling to
  • The kinds of activities you will be doing
  • How many people are traveling with you
  • How many past claims you have filed, if any
  • Your desired coverage
What about out-of-province trips?

While some provinces have an arrangement regarding medical billing in case of out-of-province medical necessities, that’s not always the case. You’ll likely need to file a claim to regain your losses. Even in such a scenario, you may not be able to fully recover your incurred costs.

The reason is that the cost of medical procedures varies by province. Your provincial plan may cover a portion of your medical expenses, but still leave you with thousands of dollars that you need to pay out of pocket. You also won’t be covered for emergency transportation back home.

Taking all these factors into consideration, Travel Insurance can considerably reduce your expenses in case of medical emergencies even when travelling within Canada.

Our Reviews

Excellent
Mary Katherine Mathews
I received great service and felt that my request for insurance was professionally handled, with kindness and competence.
Celia Alam
Very knowledgeable . Thanks Dornaz
Marj Meger
We purchased emergency medical travel from Dornaz today.
We found that she was very knowledgeable, friendly and very helpful in providing the information we needed in order to make our decision. I strongly recommend talking to her about your emergency medical travel insurance needs. She will help you get reasonable rates and a policy to serve your needs.
It was such a great experience to purchase our emergency medical travel insurance through her!
Peter Rizk
Had a great experience with George Solomonov. Was very informative, knowledgeable with all questions and kept up with my busy schedule. Highly recommend George!!
Stewart Clow
Dornaz got me a less expensive plan and canceled the one I mistakenly purchased. She was very professional and completed things in a quick efficient manner. I’ll be back next year.
Barbara Whates
Very obliging and helpful. Will go back again when needed .
Lynda Russell
I have used Dornaz for several of my group trips, always helpful. Enjoy dealing with her
Thank you
Sam Crosby
Artmiz was quick, efficient and she made the process of booking travel insurance a BREEZE. I highly recommend Alliance for your travel insurance needs.
George El Khal
Thank you Dornaz, your help was effective and clear .
Ron Benvenuto
Agent was very helpful, polite and efficient.
Ann Cox
Dornaz was exceptional in helping me with getting both my travel and medical insurance. She was always available to answer all my questions and concerns and the whole process went smoothly. I would highly recommend Dornaz to anyone looking for travel insurance.
Frank Marchionda
Thank you Artmiz for pulling everything together so quickly for me.

Your professionalism and level of service is second to none.

I have purchased coverage a few times traveling across Canada, the US and Europe.

Thank you again Artmiz 😎
Bonnie Winchar
Very efficient and provided just the coverage we needed.
MinhLuong Nguyen
Ms. Dornaz Samiei is a great person, very professional to contact for your travel medical insurance in the future. I highly recommended her great services with a very good understanding and caring. Thank you Dornaz.
Minh L. Nguyen
Edmonton, Sept. 16, 2025
Ettie Van Dijk
Sehar Bajwa was very helpful in finding us travel insurance. I did shop around and compared policies. She answered all my questions and got me the best price.
Craig Stewart
Dornaz was excellent helping my mother get travel insurance for her upcoming weekend trip. Highly recommend her and Alliance Income Services Corp
Barb Kraler
I found Dornaz very helpful at brokering the best travel insurance from various vendors that will meet my personal needs
Manuel Araujo
Just dealt with Sehar Bajwa to obtain a travel insurance for myself and my spouse, she was very patient and answered all my questions that I had. My insurance was completed within minutes and confirmed, she got me the best price compared to other insurance companies that I contacted.
Thank you Sehar and all the best.
Dave Penney
Today I had the pleasure of dealing with one of your agents, Dornaz Samiei, to obtain travel insurance for an upcoming trip. Dornaz was knowledgeable, professional, courteous and cheerful in her interaction with me. It was a real pleasure being served by a representative with these desirable qualities. You are very fortunate to have her as an employee. Please convey my appreciation to Dornaz for a job well done!
David Penney
Ron Synchena
I was a pleasure working with Dornaz getting our travel insurance. She was so pleasant and helpful and took the time to shop for the best deal. We lost connection and she called back immediately which is getting to be a rare trait these days. Muchly appreciated and thanks.
Frontline Arctic Security
My experience with Alliance Services Corp. Everything was excellent, and the agent I interact with was really up to his game. He answered all my questions clearly and helped me out.
Ella
Dornaz and other Alliance agents have provided exceptional service. Thank you Alliance, (price was good too). Bozena E.
Catherine Onishi
Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.
Linda Taylor
Dornaz helped me with extended travel insurance, she found me an excellent rate! She was very kind and professional. In the future Dornaz will be my go to agent. Best Wishes Dornaz!
Kawtar Manyari
Dornaz is great agent!
ron raymer
Artmiz was very professional and quick to answer all my questions . She was very knowledgeable of her products. Thanx Artmiz
stephen ott
Dornaz was informative, efficient and thorough. She found the best rates with options
Wayne Kemp
Dornaz and Alliance has treated me well so far. Trip doesn't happen until the fall
Gary
Very informative and willing to find us the best quote to suit our needs.
Ingrid Cameron
Sehar bejas looked after my travel insurance in a pleasant, knowledgeable and professional manner
Marilyn Kelly
Sehar was very patient with me and explained different options for our travel requirements. We saved money buying travel insurance through your company. Thank you Sehar!
Denise Keep
Great advice.
Ellen Wilson
Dornaz was great at finding good medical coverage for myself and daughter.

thanks so much
Gregory van Duyse
Had a great experience working with George. He was able to save us money on our Group Insurance policy. Professionalism, great communication and great follow up. Thank you.
Doris Concepcion
I always get great service from R'ceino and Artmiz that's why I keep coming back to your company for our family's travel insurance. Thank you.
Kathryn Kates
Dornaz eas extremely helpful and a pleasure to deal with.
Etienne Pinto
I dealt with Dornaz regarding our medical insurance during our trip to Europe.
Found her to be knowledgeable, polite and patient .
Debbie Cain
I appreciate the patience with me and quick and great service. I feel much better now that this part of the process is over
anne chang
VERY KNOWLEDGEABLE, HELPFUL, AVAILABLE. GREAT TO WORK WITH!
Cindy Kent
Dornaz was the agent that reached out to me. She was helpful and explained the travel coverage to me. I decided to purchase the coverage. She was helpful and patient.
Betty McNaught
Dornaz answered promptly. She was knowledgeable and provided exceptional service.
Brenda Ciolfi
I've just purchased comprehensive travel insurance from Agent Sehar Bajwa. What a pleasure to work with her. Sehar's professionalism and patience were outstanding start to finish!! Communications, documentation and follow-up were very clear.

Types of Travel Insurance in Canada

There are Travel Insurance plans designed specifically for every possible travel related event which could lead to financial loss. You can mix and match these coverages, or you can purchase a Comprehensive Travel Insurance plan, which includes all coverages for complete peace of mind.

Medical Travel Insurance

Medical Travel Insurance covers expenses related to medical emergencies, injuries, and illnesses. There are two subcategories of Medical Travel Insurance: Single Trip Insurance plan and Multi-Trip Insurance plan.

Lost Baggage Insurance

Lost Baggage Insurance covers you in the event of lost and delayed luggage. The costs of replacement items and your suitcase will be reimbursed.

Trip Cancellation And Interruption Insurance

Trip Cancellation and Interruption Insurance protects you from costs due to cancellation fees and travel interruptions caused by bad weather, travel document hurdles, and family emergencies. With Trip Cancellation and Interruption Insurance, lost reservations, missed flights, and non-refundable tickets will no longer cause you significant financial loss.

All-Inclusive Travel Insurance

All-Inclusive Travel Insurance includes all of the benefits previously mentioned. Your premiums will be higher due to its extensive coverage.

How to Save Money on Travel Insurance?

We want to help you save your money. The best way to save money on Travel Insurance is to compare rates from multiple providers. This can be extremely time consuming. Luckily, Alliance Income Services Corp. does all the hard work for you! By simply requesting a quote online through our website, we check what rates you can get from every major Canadian insurer.

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Are You A Frequent Traveller?

Purchasing a Multi-Trip policy saves you money on your Travel Insurance if you travel at least twice per year.

Travelling With Family?

When you purchase Travel Insurance for at least 3 family members, you pay a reduced rate.

Are You A Snowbird?

It’s possible to receive reduced rates when you purchase your policy well in advance of your travels. Some insurers offer reduced rates in late summer and early fall.

Extending Your Trip

Rather than buying a new policy, contact your insurance issuer to top-up your plan.

Get Travel Quotes Now

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  4.8 Stars
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