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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
helen carey
Artmiz was so helpful with getting my coverage for both my trips.
It was a pleasure dealing with her.
Margot Brunelle
Dornaz was efficient, friendly, and helpful! Thank you ..
Francine Menard
Artmiz Namazi was very efficient and informative with regards to my requirements for my upcoming trip. Received all my documentation within minutes. She made it a very pleasurable experience!
Reuben Qaunaq
I highly recommend this insurance; Dornaz was extremely helpful and kind throughout the process. Easy and quick
Maggie VH
Artmiz Namazi was amazing. She was very friendly and knowledgable and prompt with a quote. I asked for companies for a quote and your company was the cheapest. I called her back and placed my order for travel insurance for two months. Thank you so much.Artmiz. It was a pleasure dealing with 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.
Celia Alam
Very knowledgeable . Thanks Dornaz
Ernest Comerford
Service was very good, Dornaz was very helpful and prompt in her service.
Brenda Adams
Dornaz has been polite - pleasant - prompt in finding a suitable insurance to fit our needs. She represents your company very well. A pleasure to deal with.
André Lanteigne
Snowbirds for many years, being 80 yrs this year we had to go over the health questionnaire with an agent.  Our agent, Sehar Bajwa was very helpful is guiding and assisting us in answering the heath questions accurately. And we are pleased with the travel insurance plan she recommended . Thank you Sehar
Elaine Ray
Dornaz was extremely helpful in assisting me with the best travel insurance for my approaching trip to East Africa. Knowledgeable, professional, friendly, and quick to respond, I feel confident with the coverage I purchased and with it's price. Thank you Dornaz!,
Eric M
Very easy too renew travel to insurance. Dornaz very helpful and professional
Murray Rogers
Doenaz was a very efficient and a delight to deal with.
Maureen edmonds
Dornaz was extremely helpful and patient whilst helping me organize my travel insurance. Would certainly recommend this service for all travel insurance needs.
Murray Morrison
We dealt with Dornaz for our travel insurance needs for an upcoming trip and it was a good experience and we are very happy with what she placed for us. Hopefully we won’t need the insurance but we have peace of mind knowing that we are covered if we do.
Patti McTavish
Sehar Bajwa Was absolutely lovely, she explained and helped me select travel insurance for myself and husband for our up coming trip. I will keep her contact information for future travel insurance needs.
Thank you so much Sehar
Janice Greco
Artmiz was very helpful. She made the process very easy.
Nudrat Usmani
Excellent Customer service by Artmiz Namazi, will recommend to everyone
Muriel Whitty
Doraz was a delight to work with, very helpful, considerate and very well informed .
Mark Memorial
Domaz did a wonderful job for me. I felt like she did a very good job in getting me what I wanted and needed for my trip. Great thank you to her.
gamin Dias
Sehar Bajwa was very helpful and gave me all the options for my travel insurance policy and followed up with e mail confirmations.
Thanks Sehar
Keith Balcon
I was shopping around for travel insurance and decided to work with Sehar Bajwa Her professionalism and expertise are exemplary. She was able to answer all our questions, responded in a timely manner, and provided a great client experience overall. If you are looking for this type of service, I have no hesitation whatsoever in recommending her.
Steve Dufresne
Courteous, polite and efficient.Dornaz was great.
Rosemary Heska
Dornaz. Was very helpful. Patient and went out of her way to explain the travel policy to me.
Excellent person. And I would highly recommend your firm just from my experience with her.
Rosemary Heska
Jill Geiger
Dornaz has been extremely helpful, professional, patient & pleasant in our recent travel Insurance business recently. Thank you Dornaz!
Jill & Ralph
Cindy Wiley
I went online to look into travel insurance as mine was expiring soon. I filled in the information needed and expected a call from a representative.

Sehar Bajwa called me a little while later. She went through my application with me and quoted me the rate. The rate was lower than I was given online. I told Sehar that I wanted to take the insurance with Allianz.

Sehar was very helpful, answering my questions and putting my application through. A few hours later my travel insurance policy came through in an email.

Thank you Sehar for all your help.

Sincerely,
Cindy Wiley
sylvia bradley
Wonderful professional service
Mary Rol
My agent went over and above to make my experience a great one .. she searched to make sure I got the best policy and price available.. highly recommend my agent
Lea Hajnrych
Dornaz was most helpful in helping me to understand and complete our application for travel insurance. She is polite and cheerful to deal with and answered all my questions.
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.
Sherryl Enns
Dornaz was very helpful everything went smooth !Thanks
Alaire Zavers
Dornaz was most helpful in clarifying my questions regarding the Travel Insurance I had obtained from the associated Manulife website.

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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