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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
Brian R. Post
I just recently renewed my travel insurance through Alliance Income Services Corp, with my agent Sehar Bajwa being very efficient and effective to put my coverage in place. I am appreciative and grateful for her excellent service and knowledge. Thank you, Sehar!
Vicki Robinson
Clarity about what was offered. Searching for the best deal for me.
Michael Greenhill
AIS and in particular Donaz was extremely knowledgeable and helpful in recommending our travel insurance at a very reasonable cost. Great work Donaz, thank you!
Paul McLean
I would recommend Ofir from Alliance Income for my travel insurance needs. He was fast, efficient and was able to source my travel insurance needs a a lower price than a was able to obtain from several insurance companies. Thanks!
Diane Pare
very funny, attentive, informative and would return my call within no time at all. followed up with a phone call to the company to further my comfort zone. would definitaly work with him again
Gavin Watts
Gabriel is excellent , full knowledge, polite and respectful, interested in making one feel welcomed. Recommend this sign in service to anyone needing travel insurance.
Walter Jong
it was such a pleasure to work with Artmiz Namazi in my purchase of medical travel insurance. Not often do I receive the care and authentic interest in ensuring that my needs and concerns were addressed. At the end of the day, all the costs were practically the same among many of the financial institution but Artmiz was the difference and her well deserved goodwill finalized the decision to purchase from her. Thank you so much Artmiz for all your help and assistance.
Gerry Scharff
I was surprised to receive a phone call from Alliance and then to have Dornaz walk me through the medical questions and quote a reasonable price. She was polite and very helpful for all my needs.
mary lou mcgregor
Very efficient and caring individual. He completed his role in a highly professional manner
Caralyn Crocker
Ofir Mizrahi , he handled all our transaction he was kind considerate and very professional. He made sure I understood the policy. When I couldn’t find what I needed he helped me navigate through. If all your company is as good as him you have great team . If they aren’t I’m glad I had him . Thank you for professional consideration of helping me
Caralyn Crocker
Greg Glass
Her attention to detail was great. Answered all my questions with no hesitation. Highly recommend contacting her for your insurance needs.
Dave Randhawa
Dornaz provided me with exceptional service,
very professional and knowledgeable.
Thank you Dornaz for assisting me get my travel insurance,it was a pleasure doing business with you.
Joyce Johnston
Shiwani was very helpful, and explained everything clearly
Christine Hamilton
Ofir was amazing and he was able to get an incredible deal for my upcoming cruise. Very professional!
Sheryl Dobenko
Ofir was very helpful and thorough in advising and organizing our trip cancellation insurance for un upcoming trip to Africa.
Colleen Butler
Dornanz was vey helpful and went out of her way to find us the best policy.
Rita Roy
Great at what he does!
Richard Humphries
Dornaz has been very helpful tailoring my insurance policy to suit my specific needs. She was prompt in replying to my messages and questions. Thank you, Dornaz
Ivana Gremo
I purchased travel insurance from Dornaz several times.She is very knowledgeable and takes time to explain all concerns I would have.
I would highly recommend her to anyone who needs to purchase travel insurance.
Ivana
cathy othmer
For was very patient and helpful
Diane Roy
I appreciated Shiwani patience. She was easy to understand and very helpful when I was concern about my transition. 👍
Frank Spencley
Great experience
anthony schiavone
We bought multi trip ins. today with Artmiiz . Tried different compa nies need to say we found Artmiz very informative patient and professional. Thank you.
Bruno Settimi
Ofir Mizrahi was very helpful and answered all our questions professionally.
Shirley Watkins
We dealt with Ofir who was pleasant to speak with and met all our needs.
Sally Orviss
Very professional and friendly service. Made it easy!
Craig Baker
Martin was patient and efficient in providing our travel medical insurance.thankyou!
Franca Zagarrio
Martin was an amazinging agent! He was very patient in explaining the different plans to myself and my husband. He followed up and answered all our questions.
kayiu
Sahar, the Lady who assisted me over the phone has helped me to purchase an emergency medical insurance for my wife’s traveling to the US for a few days attending the AGT on Sep 15 and Sep 16, 2026.
I have found Sehar to be a customer oriented professional who has great knowledge and patience to explain to me the importance of buying an emergency medical insurance.
I would like to thank her and I will recommend Sahar to all my friends who would like to know more about insurance. Thanks Sehar!
Jan Regnier
Great customer service. I called a few weeks ago, got a quote and received it by email. I called today, left a message, Ofir called right back. He was able to get even a better price so we completed the purchase. Very happy with Ofir's service, friendly and very helpful.
R J
Artmiz Namazi helped me many times in my travels. Always respond quick and make it easy for me. Thank you 😊
Steven Frey
Dornaz was very helpful and professional in her service. Thank you.
Maria Schmid
I received a great fast detailed service.
Thank you
Dia Aiello
Dornaz focuses on the client needs and requirements outlining the timetable for the policy and the coverages. Exceptional followup after we initiated contact. I would recommend Dornaz to anyone exploring the option of Travel Insurance. We actually did!

R & D
Rita Robson
Dornaz made my experience exceptional. I would buy again through her
Sandy Vine
Dornaz helped me and she was amazing! She explained the policy to me and told me what to do if I ever had a claim.
Reg Howard
I googled medical travel insurance Sehar called me back and was able to get what I wanted/ needed I highly recommend her, very knowledgeable. Thank you Sehar for doing such a great job
Jeanne Jeannie
Very patient answering my numerous questions.
dale FlyGuy
Dornaz is very polite and professional her assistance in obtaining travel insurance was extremely helpful. Dornaz is our go to travel insurance advisor.

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

Universal Form (#24)
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  4.8 Stars
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