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Travel Insurance

Travel insurance is a coverage designed to protect the traveller financially in the case of unforeseen travel interruption such as injury, illness, or death. It is usually purchased as an add-on provided by many travel providers or by the traveler themselves at financial institutions.

There are two main types of travel insurance coverage: travel medical insurance and trip protection insurance.

Our Reviews

Excellent4.8★★★★★ Based on 636 reviews from ★★★★★ The agent who provided me with the information I needed and walked me through the procedure for getting the travel insurance was Ofir. He was most helpful. Thanks.Isabell PhelpsIsabell Phelps ★★★★★ I was impressed with your representative. She was patient, informative and helpful. I was a novice at obtaining travel insurance and Sehar guided me through the whole process. Would recommend her to anyone asking me for a travel insurance recommendation.Carol ShogilevCarol Shogilev ★★★★★ Excellent service and Dornaz was extremely helpful for getting my son travel insurance to the US.miles clarkemiles clarke ★★★★★ I found Artmiz from Alliance Income Service, who assisted me and she is very helpful, friendly, knowledgeable. I have been purchasing several travel insurance from her. Never had I run into a problem and she actually helped me to connect with insurance while I was in outside the country. I highly recommend her. Thank you Artmiz for helping to find a lowest rate. It was a pleasure doing business with you.HBHB ★★★★★ After checking with 5 other travel/accident/ health insurance companies, I chose Alliance Income due to the extent of coverage as well as price which were best in class. In particular Karen Wright-Ebanks was excellent. She took the time to clearly explain all of the features and followed up. We will definitely be using this company and working with the same agent again.Al MacNeilAl MacNeil ★★★★★ Sehar provided a quick response to my request for a travel insurance quote and then proceeded to assist with booking and payment. Thank you Sehar!Patti BrewinPatti Brewin ★★★★★ I can honestly see I was worried about getting travel insurance for myself and finding a reasonable price❣️😊 I didn’t have to ask her to look into other companies for pricing to compare. She just automatically did and I couldn’t be happier with going through this company. I would recommend it to friends and family.❣️😊Marge RusnakMarge Rusnak ★★★★★ I request quotes from the company re travel insurance and dealt with agent, Theresa Heuser, she was very informative and knowledgeable of the packages offered by Alliance Income Services. She made my inquiry very easy and straight forward to understand.Don LeBlancDon LeBlanc ★★★★★ Your employee Dormaz was amazing. Very helpful explaining the coverage I purchased and the amount charged. She was very prompt in getting back to me.marilyn campbellmarilyn campbell ★★★★★ Outstanding service! Excellent, prompt, friendly and knowledgeable travel and medical insurance service given by Ofir throughout various interactions.Thank you very much, Ofir, your assistance is highly appreciated!Bets RoosBets Roos ★★★★★ Dornaz was very professional, knowable and friendly.Marilin MBraceMarilin MBrace ★★★★★ Polite, helpful and efficient with a sense of humor. Great person to help customers.Debbie StevensDebbie Stevens ★★★★★ Karen was very helpful in this process.Z. H.Z. H. ★★★★★ It was a pleasure talking to Karen Wright in ordering to purchase my travel insurance.She was very pleasant and knowledgeable.Thank you! Catherine (Cathleen Seamone)Cathleen SeamoneCathleen Seamone ★★★★★ Sehar Bajwa gave me fantastic service for Medical Travel Insurance.She was knowledgeable about the products she had and which ones's suited me. Even though I changed the dates of travel for a single trip a few times she was patient with me and gave me exactly what I wanted.If you ever want Travel Insurance ask for Sehar Bajwa.A More Than Satsified ClientCharles BooleCharles Boole ★★★★★ Very easy process to book insurance by Ofir.Marian AveryMarian Avery ★★★★★ Ofir provided exceptional service in helping me secure emergency travel medical insurance. I had some very technical questions regarding top-up coverage and stability periods, and Ofir answered all of them clearly, promptly, and professionally. He made a potentially stressful and confusing process completely seamless and ensured I had the exact, safe coverage I needed. Thank you, Ofir, for the outstanding support and peace of mind!Steve ShinSteve Shin ★★★★★ It is the second time that I deal with Karen Wright to insure my trips and I am very happy with her service. She is competent, efficient, profesional and very courteous. I'll will call her again for my next trip.Christiane DelonChristiane Delon ★★★★★ Process was quick and easy, Ofir was pleasant and knowledgeable and helped me out start to finish in just a few minutes. For a future trip I will probably get other extended coverage as well, as for this trip we bought only medical and indeed unfortunately needed itSara RaizelSara Raizel ★★★★★ Dornaz was knowledgeable and easy to deal with. She gave me a rundown on the policy and made me feel at ease.Rhonda HandlechnerRhonda Handlechner ★★★★★ Excellent customer service, professional and courteous. Thank you Karen Wright.Mimi AlamMimi Alam ★★★★★ Very helpful and easy to do business with. I needed travel insurance and got lots of quotes to compare. Purchase was painless and fastwarren faleirowarren faleiro ★★★★★ Thank you Karen Wright, for your very fast, efficient service to obtain my travel insurance. A quick medical questionnaire to complete, payment done, and I had it in my inbox ready to print. Effortless ! A good choice !Laura Courtney-ClarkeLaura Courtney-Clarke ★★★★★ Sehar was very knowlegable, understood my needs and was very helpfull setting me up with my coverage as well as explaining the contract. It made the whole process go very smoothly.Les McCullochleslie mccullochleslie mcculloch ★★★★★ Dornaz is great to deal with. She made me feel that no question was a dumb question. Very helpful.Valerie RothValerie Roth ★★★★★ Karen Wright provided outstanding and timely service setting up the policy for our trip. Nice to have a piece of mind at a reasonable price for our tripLarry KellockLarry Kellock ★★★★★ Always a positive helpful experience with Dornaz. For all your travel insurance needs i would definitely recommend Dornaz with Alliance InsuranceL.M.L.M. ★★★★★ Karen was very efficient and friendly. She explained details in a very respectful way and we would be happy to deal with her in the future.Juliet StephensJuliet Stephens ★★★★★ It's always a pleasure to deal with Karen Wright. She is always very helpful and courteous.Bernie LehmannBernie Lehmann ★★★★★ Karen was very helpful and great to talk to. I would definitely recommend her to any of my friends wanting insurance.Bobbie ViolanteBobbie Violante ★★★★★ I just want to say that my experience with Muhammad sorting out my trip cancellation insurance was the best I could have hoped for - he is patient, knowledgeable and answered all my questions.mary Muldermary Mulder ★★★★★ Karen made this experience so easy and less stressful than I thought it was going to be. She was very professional and was able to answer all of my questions thoroughly and made me feel a little confident that I was getting a good product from her.T RumT Rum ★★★★★ I wanted to thank Dornaz on being very helpful for answering all my questions. She was very polite and patient. I had a a lot of questions.Selina AllenSelina Allen ★★★★★ I bought health insurance to my company emloyees, and luckily I dealt with Teressa, She was amazing, understanding so helpful.did not bother her I made some changes and mistakes she kept working with me guide me spontaneously , its like we were sitting in same office ..kept going and get the job done as I like, Thank you Teressa, Thank you Alliance income Serviceshaitham saadedinhaitham saadedin ★★★★★ Once I was able to get through on the phone, Karen was excellent. She was very friendly, patient and informative. She worked things out with me until she found the policy that I needed.June CaineJune Caine ★★★★★ Knowledgeable, curtis and efficient. I am very pleased with Karen expertise and professionality. Definitely I will use her service again.Magda MahdyMagda Mahdy ★★★★☆ Sehar Bajwa was knowledgeable and provided explanations for all insurance coverage. Process was simple and easily done over the phone.Joe WeryJoe Wery ★★★★★ Muhammad was very patient with me while I decided.i recommend dealing with Muhammad .I think having insurance puts my mind at ease.Angele FaucherAngele Faucher ★★★★★ I always like to shop around to get the best deal, without compromising quality.My research brought me to Allianz and I was contacted by Sehar Bajwa, who answered all my questions and sent me an email with all the details.Not only was Allianz the best price, I also got good service from Sehar.I hope that I will not need the insurance but if I do, I hope the good service I have received so far, will continue.Thank you Sehar.SylvainSylvain ★★★★★ Good assistance.Heather SutherlandHeather Sutherland ★★★★★ Dornaz provided our travel insurance efficiently and promptly. Her communication was clear and professional. Very pleased to work with her!Dale HildebrandtDale Hildebrandt ★★★★★ I recently had the pleasure of dealing with Muhammad regarding travel insurance. I can't say enough about him. I had a few issues created by my Costco m/c. He went above and beyond to make changes to my policy because of m/c. I certainly won't hesitate contacting him in future for future travels or recommending him to friends & family. Thank you Mary Rate 110/100Mary BortignonMary Bortignonjs_loader
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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.

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, Life Insurance Pro 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.

Are You A Frequent Traveler?

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.

More Travel Insurance FAQs

Learn more about Travel Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

How does 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.

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