Why you need trip cancellation & trip interruption insurance

Thinking of skipping out on trip cancellation or trip interruption insurance? Here’s why you should think again.

When it comes to travelling, insurance can be the least sexy part of trip planning. Compared to browsing glossy-paged destination brochures, poring over the legal particulars of an insurance package is far less glamorous. But purchasing the right travel insurance package with the best coverage is probably the most important part of trip planning. And that’s not just because you’re on the hook for medical bills when travelling outside Ontario, but also because of the potential financial costs of having to cancel your trip or have it unexpectedly interrupted. 

What Are Trip Cancellation and Trip Interruption Insurance?

Trip Cancellation and Trip Interruption insurance products are designed to protect you from a range of complications that can ruin your travel plans.

Trip Cancellation reimburses you for situations that could force you to cancel your trip before you depart, like your basement flooding or losing your job. Trip Interruption protects you if you have to return home suddenly and reimburses you for the unused portion of your trip you’ve already paid for. It starts when you are en route to your vacation destination and lasts for the duration of your trip, protecting you from anything that may force you to cancel the rest of it. This includes everything from a road closure delaying your drive to the airport and causing you to miss your flight to a family member unexpectedly passing away.

These things may still happen, of course, but you’ll save yourself a few headaches and won’t risk losing the financial investment you’ve made in your trip. That’s why purchasing both Trip Cancellation and Trip Interruption should be purchased before your trip – especially if you fall into any of these categories:

You have aging parents or relatives

If you have aging parents or relatives, it is especially important to buy Trip Cancellation and Trip Interruption insurance so you can drop everything—including your trip—if they get sick unexpectedly.*

You’re travelling during bad weather

Planning a family vacation to Mexico or the Caribbean when the kids are off school this summer? Remember that hurricane season in the region officially runs from June 1 through November 30 every year – and the weather is always unpredictable. Trip Cancellation and Trip Interruption will give you peace of mind so you can enjoy your holiday, free from weather worries.*

You’re worried about thieves

Unfortunately, no matter where you visit, no place in the world is completely free of crime. Protect yourself from having your passport stolen with Trip Interruption insurance, which can cover transportation costs to get you to the nearest Canadian consulate for new travel documents if this happens.*

You’re flying to catch a cruise

Cruise ships must stick to a rigid schedule and can’t afford to wait around for passengers arriving late from a flight. If your flight is delayed due to a mechanical failure or bad weather, Trip Interruption insurance will pay any fees for booking new flights so you can catch up with your ship ASAP.* Eligible travellers may also have access to CAA’s Flight Delay Benefit at no additional cost if a registered flight is delayed.

Remember, CAA Travel Insurance offers coverage benefits that go far beyond what you may get through credit card plans or group plans. No matter where you choose to go, CAA has travel insurance options designed to protect you against the financial impacts of illness, emergencies and unexpected mishaps on your trip. Even better, CAA Members save up to 20% on their insurance policy.** 

So, click here to get a quote or visit your nearest CAA Store for more details. You can also call our Member Service Centre at 1-800-267-8713 to get on your way to a holiday with the best peace of mind that money can buy!

*Refer to Policy as this covered loss is subject to terms and conditions. You must not know (nor be aware of) any reason, circumstance, event, activity or medical condition which may eventually prevent you from starting and/or completing your covered trip as booked at the time of purchase of this insurance.

**CAA Travel Insurance is underwritten by Orion Travel Insurance Company. Certain exclusions, limitations and restrictions apply. Subject to change without notice. A Medical Questionnaire may be required to purchase travel insurance. Quotes are valid for 30 days. Applies to CAA Members in good standing (CAA Membership dues paid in full by Membership expiry date). Up to twenty percent (20%) savings applies to the total premium excluding applicable taxes. Minimum premium applies. Subject to change without notice. Excludes Visitors to Canada Insurance. CAA Everyday, Classic®, and Plus® Members save 10%. CAA Premier® Members save 20% at CAA Stores or by calling 1-800-267-8713. CAA Premier Members save 10% and earn 10% in CAA Dollars® when booking online.