Why choose Trip Cancellation and Interruption coverage?
Trip Cancellation and Interruption coverage reimburses certain eligible travel expenses when a covered event forces you to cancel, change, interrupt or extend your trip. It helps reduce the financial impact of unexpected events before or during your trip.
4 key benefits
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You need to cancel your trip before departure
An illness, accident or family emergency prevents you from travelling. -
You need to change your travel plans
An unforeseen situation requires you to change your travel plans.
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You need to cut your trip short
An unexpected event forces you to return home earlier than planned. -
You need to extend your stay
A situation beyond your control delays your return home.
Eligibility
You can purchase Trip Cancellation and Interruption coverage if you:
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Live in Canada
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Are covered under your province’s public health insurance plan (RAMQ) for the entire duration of your trip*
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Are more than 30 days old on your departure date
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Purchase your contract before leaving on your trip
Additional conditions may apply depending on the product selected.
* If you are a visitor to Canada, or if you are not covered by a provincial health insurance plan, please visit the Visitors to Canada page.
How it works
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1 – Choose your coverage
Select the coverage level that best meets your needs: Trip Interruption or Trip Cancellation and Interruption, with or without the Option: Cancel for Any Reason. -
2 – Report the event
Is an illness preventing you from travelling? Is a storm delaying your return? Contact Blue Cross® Travel Assistance within 48 hours of the covered event requiring you to cancel or change your trip. We’ll explain the next steps and let you know which documents to keep. -
3 – Submit your claim
Gather your supporting documents, such as receipts and proof of payment, and submit your claim through your Customer Space. You’ll be reimbursed for eligible expenses.
Option: Cancel for Any Reason
The Option: Cancel for Any Reason is available only when purchased with Trip Cancellation and Interruption coverage. You must purchase the option by the later of the following dates:
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5 days after making a partial or full payment for your trip, or
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The date on which the travel provider’s cancellation penalties begin to apply
Three coverage levels
Trip Interruption
Trip Cancellation and Interruption
Option: Cancel for Any Reason
Conditions
Depending on the coverage selected, the following expenses may be reimbursed:
If you choose Trip Cancellation and Interruption coverage:
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If you cancel before departure: non-refundable insured travel expenses and additional costs resulting from changes in occupancy rates.
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If you change, interrupt or extend your trip: the unused portion of your insured travel expenses, additional transportation costs, subsistence allowance, the cost of returning your personal or rental vehicle and costs related to the repatriation or return of remains in the event of death, or the cremation or burial at the destination.
If you choose Trip Interruption coverage:
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If you change, interrupt or extend your trip: additional transportation costs, a subsistence allowance, the cost of returning your personal or rental vehicle, and costs related to the repatriation or return of remains in the event of death or cremation or burial at the destination.
If you choose the Option: Cancel for Any Reason:
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If you cancel before departure for a reason not covered under Trip Cancellation and Interruption coverage: partial reimbursement of your prepaid, non-refundable insured travel expenses, provided you cancel at least 24 hours before your scheduled departure date.
Covered risks
Covered risks include medical situations such as illnesses or injuries, various issues involving your principal residence or accommodations at your destination, transportation disruptions, pregnancy complications and several other unforeseen events that may affect your travel plans. Refer to the travel insurance policy for a complete list of risks covered under Trip Cancellation and Interruption and Trip Interruption coverage.
Expenses arising from the following events or circumstances are not covered:
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Known, foreseeable or ignored circumstances
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Trip undertaken for medical purposes
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Pandemic
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Injury related to a high-risk sport or activity
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Use of alcohol, drugs or other intoxicating substances
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Pre-existing medical conditions
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Travel provider default
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Act of war or civil unrest
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Suicide and intentional injury
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Participation in a criminal or illegal act
The policy contains additional limitations and exclusions. Refer to the insurance policy for full details.
Combine our coverage
From major emergencies to everyday travel mishaps, we've got you covered.
Frequently Asked Questions
Trip Cancellation and Interruption coverage may reimburse you for certain insured travel expenses if a covered event forces you to cancel, change, interrupt or extend your trip.
Trip cancellation applies before departure when a covered event prevents you from taking your trip.
Trip interruption applies after departure when a covered event forces you to change your plans, return home early or return later than scheduled.
Yes. You can do so if you purchase the Option: Cancel for Any Reason at the same time as your Trip Cancellation and Interruption coverage.
This option allows you to cancel for a reason not otherwise covered, provided you do so at least 24 hours before your scheduled departure date. It cannot be purchased with Trip Interruption coverage alone.
Refer to the travel insurance policy for full details.
With Trip Cancellation and Interruption coverage, your prepaid, non-refundable insured travel expenses may be reimbursed up to the insured amount selected when you purchased your coverage, provided your cancellation is caused by an unforeseen event listed as a covered risk.
If you purchase the Option: Cancel for Any Reason, you may receive partial reimbursement of up to 75% of your prepaid, non-refundable insured travel expenses. The reimbursement percentage varies based on your age and is limited to $4,500 per insured traveller, even when your reason for cancelling is not covered under Trip Cancellation and Interruption coverage.
Refer to the travel insurance policy for full details.
You must purchase this option with Trip Cancellation and Interruption coverage, by the later of the following dates: 5 days after making a partial or full payment for your trip or the date your travel provider begins applying cancellation penalties.
So if your trip remains fully refundable after the 5-day period, you have until the cancellation penalties take effect to purchase the option.
Refer to the travel insurance policy for full details.
Choose the amount of travel expenses you want to insure for each person.
To calculate this amount, add up all the non-refundable travel expenses you have paid and divide the total by the number of travellers covered under the contract.
These expenses may include airline tickets or other transportation costs, accommodations, a cruise, an all-inclusive trip and certain activities or excursions.
Do not include expenses that are refundable under the provider’s terms and conditions or those paid for using reward points or miles.
For example, you book a hotel that is refundable only until 30 days before your arrival. Since the booking will become non-refundable before your departure, you may want to include it in the amount insured.
Travel expenses may include certain costs paid or incurred for your trip, such as transportation, accommodations, an all-inclusive trip and certain activities or excursions. Eligible expenses vary depending on the coverage selected and the terms of the policy.
Depending on your circumstances and the coverage purchased, non-refundable airline tickets or additional transportation costs may be eligible for reimbursement.
Yes. The coverage may apply to a trip you received as a gift, provided the insured traveller can submit the required supporting documents when filing a claim.
To request reimbursement for eligible expenses, you must submit a travel insurance claim:
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Log in to your Customer Space.
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Select "My Claims".
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Click "New Claim".
You can submit your claim and supporting documents online.
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