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How does travel insurance work?

Travel insurance provides protection for the unexpected events you may face when you travel and help to shield you against the losses that may incur. Usual travel mishaps include and are not limited to medical emergencies, trip cancellations, interruptions and delays, and lost, delayed or damaged luggage. Depending on the type of insurance you purchase, your policy can cover all of these situations and more.

Apart from medical emergencies where Allianz Global Assistance will attempt to arrange for direct billing on your behalf, travel insurance works similarly to other types of insurance, where you pay upfront and are reimbursed by your insurer at a later date after submitting a claim. As with other forms of insurance, making a claim includes providing documentation as evidence of your loss and following the procedures regarding disclosure and deadlines. For more information, please visit our File a Claim page.

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Information for Quebec and Saskatchewan residents.

Travel insurance does not cover everything. Please refer to the policy wording for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Please note that remuneration may be payable to the distributor of this insurance. 

Rates are subject to change.