Trip Protection Insurance

Peace of mind coverage for trip cancellation, trip interruption, airline delays and baggage loss, damage or delay.

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Trip Protection

Our Trip Protection helps you recover pre-paid expenses should you need to cancel your trip for a covered reason prior to departure, or should you experience an unexpected interruption or delay during your trip. You also receive protection for lost, stolen or damaged baggage.

Why do I need Trip Protection Insurance?

Do your travel plans include a hotel room, vacation package, flight or other costs that are non-refundable? Trip Protection Insurance can help you recover those non-refundable, prepaid expenses should an unexpected situation such as these arise:

  • An event that leads the Government of Canada to issue a general recommendation not to travel to the region (plan must be purchased prior to the Government’s recommendation)
  • Illness that requires a doctor’s attention prior to or hospitalization during your trip
  • Adverse weather conditions resulting in cancellations or delays
  • Unexpected death in the family
  • New pregnancy that would mean the Covered person would be travelling during the 33rd week or later of their pregnancy
  • Jury duty (except for Law enforcement officers)
  • Loss of employment (must be employed permanently for at least 1 consecutive year)


Stolen backpack leads to travel emergency

After completing his Bachelor of Nursing degree at the British Columbia Institute of Technology, 23-year old Kamal embarked on a month-long backpacking trip to Southeast Asia...

Flight disruption causes unexpected travel expenses

To celebrate their 10-year wedding anniversary, Lindsey and Steve decided to go on a romantic trip to Italy...

COVID-19 disruption and quarantine expenses

Emily and Craig Andrews and their two young children were travelling to Scotland for their first family reunion in nearly 10 years...

Frequently asked COVID-19 questions

  1. Why do I need Trip Protection insurance if airlines are providing free cancellation insurance?

    Many airlines require you to purchase a certain fare level to receive free cancellation or they may only provide a flight credit should you need to cancel or postpone your travel for a covered condition. Trip Protection insurance allows you to recover your pre-paid travel costs no matter the fare level purchased.

  2. I have COVID right now and I’m quite sick, but my trip isn’t for another two months. I’m concerned that I will not be well enough to go. Can I cancel now and get reimbursed?

    No, we only reimburse your eligible non-refundable trip costs if you purchased your plan after June 1, 2022 and are still sick with COVID-19 in the 14 days prior to your intended departure and you must cancel your trip.

  3. I tested positive for COVID-19, but I’m not sick at all. I want to cancel my trip just in case it gets worse. Will I be reimbursed?

    No, the COVD-19 Trip Cancellation benefit only applies to symptomatic COVID-19.

  4. My husband and I had a trip planned, but our daughter is very ill with COVID-19. I want to cancel my trip to stay home to take care of her. She was not on our insurance because she was staying home. Will we be reimbursed?

    Yes, as long as you purchased your plan after June 1, 2022 and she is still symptomatic in the 14 days prior to your intended departure date, your eligible non-refundable trip costs will be considered.

  5. I had COVID in May and recovered. What happens if I get it again? Will I be able to cancel my trip?

    It depends.  Our Trip Cancellation and Interruption plans have a pre-existing condition clause that may prevent your claim from being paid.  Please make sure that you familiarize yourself with your policy booklet and understand the exclusions that may apply to you. And remember, the COVID-19 cancellation is only eligible for plans purchased after June 1, 2022.

  6. How far in advance of my planned trip can I purchase a plan?

    You can purchase Pacific Blue Cross Travel Insurance up to 365 days before you depart for your trip. We also offer the flexibility of refunds on Travel Medical Insurance up to 48 hours before you depart. Trip Protection plans can be purchased at any time, even if your first payment for a trip expense was a number of months ago.

  7. If airlines are including COVID-19 coverage, does that mean that I can travel outside of Canada?

    It’s important to check government travel advisories prior to travelling. Public health officials are currently recommending that Canadians avoid non-essential, international travel. Travelling when there is a government advisory may impact your travel insurance coverage.

  8. I no longer need my insurance because I can’t go on my trip. How do I get a refund?

    Plans that include trip cancellation are not eligible for refunds.  Please refer to your policy booklet under “Refund of Premium” for more details.

Coverage Within 72 hours of trip purchase More than 72 hours after trip purchase
Trip Cancellations    
Trip Interruptions    
Trip Delays    
Baggage Loss/Theft    
Air Flight Accident    
Accidental Death & Dismemberment    
Trip Protection Tip: Check the Canadian Government Travel Advisories before purchasing. Trip Protection Insurance will not cover you when a Level 3 (Avoid non-essential travel) or Level 4 (Avoid all travel) government Travel Advisory has been issued prior to purchase and your claim is related to the reason for the advisory.

What if I choose to cancel my trip?

The answer to this question and more can be found in our Frequently Asked Questions


Enjoy peace of mind on your travels with full Trip Protection

  • Trip Cancellation
  • Trip Interruption
  • Air Flight Accident
  • Accidental Death & Dismemberment
  • Lost Baggage

If you don’t want full Trip Protection, you can also choose your own coverage

Trip Cancellation (with Interruption)

Coverage for pre-paid travel fees if your trip gets unexpectedly cancelled before departure or interrupted once it’s begun.

Trip Interruption

Coverage for pre-paid travel expenses if your trip gets unexpectedly interrupted once it’s begun.

Air Flight Accident

Coverage injury or death following a flight accident.

Accidental Death and Dismemberment

Coverage in case of death or loss of limbs due to an accident while travelling.


Coverage for lost, stolen or damaged baggage. Also provides coverage to purchase items while baggage is delayed.