group travel insurance canada

Travel insurance

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Our travel insurance products

As one of the top insurance companies in Canada, Manulife offers a wide range of coverage options to best suit your travel protection needs. Whether you are snowbirds, seniors, students, or visitors to Canada, we’ve got you covered.

Travelling Canadians

Help provide Canadian residents with out-of-province or country coverage for unexpected travel expenses such as emergency medical and more.

Visitors to Canada

Get affordable coverage for medical expenses while visiting Canada. Meets the requirements for super visa.

Get help with medical expenses when studying away from home – either in Canada or abroad.

Travel insurance explained

Whether it’s to the beach, the city, or somewhere in between, travel gives us unforgettable escapes in beautiful places. But what happens when a trip doesn’t go as planned? A medical emergency or accident can have financial consequences that last far longer than your trip. That’s where travel insurance comes in. This short video explains:

• What’s included in travel insurance? What are the different types (travel medical insurance, trip cancellation and interruption insurance, visitors to Canada insurance and student travel insurance)?
• How insurance can reimburse you for unexpected expenses while you’re abroad or in another province or territory, from hospitalization, to transportation, and more!

Download a transcript (PDF)

It’s easy! To get the plan best suited to your needs, you can get a quote and apply online or by calling 1-877-268-3763. Have your travel dates, contact information, health information, and credit card or bank information on hand.

Having insurance while travelling is strongly recommended. Based on a survey conducted by the Conference Board of Canada, 82% of Canadians traveled with travel coverage in 2022. This speaks volumes and shows that most Canadians think having protection for unplanned emergencies while travelling is a necessity.

Travel coverage can protect you not only from emergency medical costs, but also from flight delays/cancellations, baggage loss/damage, travel accidents, and unforeseen events. Depending on your policy, you could get reimbursed for incurred costs if a covered event caused you to cancel or rebook your trip.

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in

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Take off with Canada’s #1 travel insurance provider

Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

Travel Worry Free

Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

Find the Right Plan

We understand making the right choice for your benefits and coverage is important.

We’re here to help!

Please click below to be redirected to your local Blue Cross for more specifics, including local contact information.

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HelloSafe » Travel Insurance » Group

What is the best group travel insurance in 2024?

• The most competitive offer on the market
• soNomad coverage is complete and very good value for money
• Highly recommended

soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

• Higher rates for the greatest coverage offered on the market
• Allianz offers are very comprehensive

Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

• No medical questionnaire for individuals aged 59 or younger
• Coverage in case of accidental death or dismemberment
• Medical department for personalized analysis

Tour+Med offers comprehensive travel insurance with generous medical coverage up to $5,000,000 CAD, including coverage for COVID-19 at no extra cost. Their flexible deductible options and additional benefits, such as medical questionnaire exemptions for certain age groups, make it an attractive choice for travelers concerned about their peace of mind.

• Interesting formulas for trips lasting up to one month
• Important coverage
• Adapted to your basic needs

Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

Travelling with a group can be an exciting and rewarding experience, but it's essential to ensure that you're adequately protected against potential risks. This is where group travel insurance comes into play.

Whether you're planning a corporate retreat, a school trip or a family reunion, understanding group travel insurance can help you make informed decisions to safeguard your journey.

In this guide, we take you through the best group travel insurance plans in Canada, how they work, what's covered, what's not, and more. You can also compare plans from multiple providers and get free personalised quotes using HelloSafe comparator.

Top 4 group travel insurance plans in Canada

Manulife group benefits travel insurance: ensuring comprehensive coverage, viator group travel insurance: trusted coverage with rsa partnership, the mclennan group travel insurance: diverse coverage plans, rbc group travel insurance: economical group discounts, best group travel insurance in canada.

The best options for travel group insurance will vary depending on your specific needs and budget. When choosing a policy consider the level of coverage you need, the cost of the plan, the terms and conditions of the policy and the reputation of the insurer. So read on to find some of the best plans from Canada's popular providers.

Manulife Group Benefits offers the following types of travel insurance that can be taken for groups as well. They have a variety of plans to suit different needs, including:

• CoverMe travel insurance for groups: This plan is designed for groups of 10 or more people travelling together. It covers medical expenses, trip cancellation or interruption and baggage loss or damage.
• TravelEase travel insurance for groups: Designed for groups of 10 or more people traveling together who have a valid Canadian government health insurance plan. It covers medical expenses, trip cancellation or interruption, and baggage loss or damage.
• COVID-19 Pandemic Travel Plan: This plan is designed for Canadians travelling abroad who are concerned about the COVID-19 pandemic. It covers medical expenses related to COVID-19, as well as trip cancellations or interruptions due to COVID-19.

Viator offers group travel insurance through its partner, RSA Travel Insurance. The plan is designed for groups of 10 or more people travelling together and covers medical expenses, trip cancellation or interruption and baggage loss or damage.

Here are some of its benefits:

• Comprehensive coverage: Viator's group travel insurance plan offers comprehensive coverage for a variety of expenses, including medical expenses, trip cancellation or interruption, and baggage loss or damage.
• Competitive prices: Viator's group travel insurance plan is competitively priced, making it a good value for money.
• Easy to purchase: You can purchase Viator's group travel insurance online or by contacting them directly.
• Excellent customer service: Viator has a reputation for excellent customer service, so you can be confident that you will be taken care of if you need to make a claim.

The McLennan Group offers a variety of plans for groups, including:

• Single-trip emergency medical plans: These plans cover medical expenses up to CA$10 million for any trip of 4 days or more.
• Multi-trip emergency medical plans: The plans cover medical expenses up to CA$10 million for any trip of 4 days or more, with no limit on the number of trips.
• Trip cancellation or interruption plans: These plans cover the cost of lost or cancelled travel expenses if the trip is cancelled or interrupted due to a covered reason, such as illness, injury or a natural disaster.
• Baggage loss or damage plans: These plans cover the cost of replacing lost or damaged baggage.
• Personal liability plans: The plans cover the cost of legal expenses if you are sued for causing injury or damage to someone else while travelling.

Travelling with a group of 10 or more? Take advantage of RBC’s group discount while enjoying the comprehensive benefits. Whether you're organizing a wedding, reunion, tournament or corporate retreat, choosing RBC Travel Insurance enables you to get the best deal on necessary coverage.

Here are its benefits:

• Economies for all: Each traveller within your group (10+ individuals) is eligible for a discounted rate on travel insurance when you secure coverage for the same trip.
• Effortless planning: Just provide RBC with a few particulars and they will reach out to you to confer about the most suitable coverage for all members.
• Customized protection: Every group member can opt for diverse coverage alternatives to guarantee the finest travel and emergency medical coverage for their needs.
• Support in emergencies: RBC’s dedicated personnel are at your service 24/7 in case of emergencies, ensuring that any member of your group in need of assistance during the journey is well taken care of.

It is essential to compare coverages from many insurance plans to pick a policy that suits your unique needs. Our comparator below lets you compare coverage and get free quotes from Canada's best travel insurance companies.

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What is group travel insurance?

Group travel insurance covers a group of individuals travelling together. It’s typically purchased by businesses, schools or other organizations for their employees or students. These plans can provide coverage for a variety of expenses, including medical expenses and trip cancellations .

Group travel insurance can be a valuable way to protect yourself and your group from financial losses while travelling. It is especially important for groups travelling to countries with limited medical facilities or high medical costs.

Here are the main benefits:

• Group travel insurance is typically less expensive than individual travel insurance.
• One person can purchase the policy for the entire group, which can save time and hassle.
• It typically covers a range of potential risks, including medical emergencies, trip cancellations, baggage loss, and more.

If you are planning a trip with a bunch of people, consider purchasing group travel insurance — a small investment can protect you from financial losses and give you peace of mind.

What is group medical travel insurance? 

Group health travel insurance covers a group of people travelling together. It typically covers medical expenses, trip cancellation or interruption, and baggage loss or damage.

What does group travel insurance cover?

The specific coverages in a group travel insurance policy will vary depending on the policy and the insurer. Read the policy carefully to understand the coverage. Most plans cover the following:

• Medical expenses: This includes the cost of medical treatment, hospitalization and medical evacuation.
• Trip cancellation or interruption: It covers the cost of lost or cancelled travel expenses if the trip is cancelled or interrupted due to a covered reason, such as illness, injury or a natural disaster.
• Baggage loss or damage: This covers the cost of replacing lost or damaged baggage.
• Personal liability: It offers you coverage for the cost of legal expenses if you are sued for causing injury or damage to someone else while travelling.
• Other coverages: Some policies also include coverage for things like trip delays, missed connections, and lost passports.

What does group travel insurance not cover?

Some common exclusions include:

• Pre-existing medical conditions: Most travel insurance policies will not cover medical expenses related to a pre-existing medical condition that existed before the policy was purchased.
• War or civil unrest: If you travel to a country that is experiencing war or civil unrest, your travel insurance may not cover you if you get an injury or your belongings are stolen.
• Participation in dangerous activities: Some travel insurance policies will not cover injuries or expenses related to participation in dangerous activities, such as skydiving, bungee jumping or whitewater rafting.
• Intentional acts: If you intentionally injure yourself or damage your property, your travel insurance will not cover the costs.
• Late cancellation or changes: If you cancel your trip late or make changes to your itinerary, your travel insurance may not cover the costs.
• Loss of passport: Some travel insurance policies will cover the cost of replacing a lost passport, but others will not.

Expert advice

Read the terms and conditions of your policy carefully to understand the coverage and its limitations. You should also disclose any pre-existing medical conditions to your insurer before you purchase the policy.

How much does group travel insurance cost?

The cost of group travel insurance will vary depending on the company, the level of coverage you need and the number of people in your group. Here’s how these factors can influence the cost:

• Younger travellers typically pay lower premiums than older travellers.
• Travel to certain destinations, such as the United States or Europe, may be more expensive than travel to other destinations.
• Longer trips are typically more expensive to insure than shorter trips.
• The more coverage you need, the more expensive the policy will be.

Here’s a general idea of the costs of group travel insurance from Manulife, Viator, The McLennan Group and RBC:

We recommend that you compare prices from various providers before zeroing in on a policy. You can just use our free comparator below and get free quotes from the best travel insurance companies in Canada.

Prepare for your trip Compare. Choose. Save.

How to get cheap group travel insurance?

Here are some tips for saving the most while looking for a policy:

• Shop around and compare group travel insurance quotes using the HelloSafe comparator
• Consider the level of coverage you need
• Buy in advance
• Look for discounts
• Consider a no-claim bonus
• Buy a multi-trip policy

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Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

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Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

View Legal Disclaimers Hide Legal Disclaimers

Travel advisories could impact your coverage. If you have questions, speak with your travel insurance professional or contact your local CAA Club .

You take on the world, we’ll take care of the rest. TM

Orion Travel Insurance protects travellers and their loved ones–wherever their travels may take them.

TRAVEL INSURANCE MADE BY TRAVELLERS FOR TRAVELLERS

Originally established by a partnership between two CAA Clubs, Orion Travel Insurance focuses on the needs and safety of Canadian travellers, because they are at the heart of everything we do.

Travel-sized bits of information to help travellers.

DREAM, PLAN, AND BOOK FOR FUTURE TRAVEL WITH CONFIDENCE.

Coverage for COVID-related illness included on Emergency Medical Insurance.

TRAVELLERS HAVE RIGHTS

THiA's bill of Rights and Responsibilities for Travellers.

ORION PRODUCTS

What type of travel insurance can we help you with?

I NEED MEDICAL INSURANCE

Emergency medical insurance can help keep travellers safe.

I NEED TRIP PROTECTION

Trip cancellation and trip interruption insurance can help keep travellers going.

I AM VISITING CANADA

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With a presence in 44 countries, Allianz Global Assistance has been helping Canadians safely explore the world for over 30 years.

Our goal is to make your travel insurance experience simple from end to end, so you can focus on enjoying your next adventure.

Our Promise to You : All travel insurance plans offered by Allianz Global Assistance include a 10-day "Free Look" period.

Are you a Canadian resident travelling more than once a year? Our annual plan options might be a better fit for you. Select two or more trips to view our plan options.

Each traveller aged 65 and older is required to complete a medical screening to purchase a policy. To obtain a quote, please call us at 1-844-310-1578.

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With a presence in 44 countries, Allianz Global Assistance helps millions of travellers annually to travel safely and explore the world.

Minimum age for travellers is 15 days old. Maximum age is 89 years old.

Helping people is at the heart of what we do

Why buy travel insurance.

• If you have to cancel your trip for a covered reason , travel insurance may reimburse you for your prepaid, non-refundable trip costs. Without insurance, you may lose your vacation investment.
• If you experience a covered medical emergency abroad , travel insurance can help ensure you get the care you need and reimburse you for covered medical costs. Without insurance, any medical expenses outside of Canada will be your responsibility.
• If you have a covered travel delay , travel insurance may reimburse you for necessary, eligible expenses like hotels and meals. Without insurance, delays may be expensive.
• If you face an unexpected crisis , travel insurance gives you access to 24/7 Assistance Worldwide. Without insurance, you’re on your own.

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Travel medical insurance

Key takeaways.

• Your usual health insurance may not cover you while you’re travelling.
• Travel medical insurance can help cover medical emergencies while you’re away.
• Travel medical insurance can be purchased as part of your other health coverage.

What is travel medical insurance?

When you travel outside of province or outside of Canada, the  health insurance coverage  you rely on when you’re at home (whether government or individual) may not cover you for accident or illness – and if you are covered, the amount may be much smaller.

This means that if you get hurt or become ill while you’re travelling, you’ll be responsible for any medical bills you incur. This can become very costly, very quickly, and some hospitals may even require upfront payment before they’ll treat you.

That’s where travel medical insurance comes in.

Travel medical insurance is different than trip cancellation insurance, which can cover the cost of your flight or hotel if you have to cancel.

When do you need travel medical insurance?

Anytime you’re leaving your province – even if it’s just for a day trip – you should consider getting travel medical insurance. This is because the second you cross that provincial border, you may no longer have the same coverage as you did at home. This means you need it when:

• You’re travelling outside your home province or territory 
• You’re travelling to the USA 
• You’re travelling internationally 

What do government health plans cover?

Canada has  13 provincial and territorial health plans  that provide basic health coverage to residents. What’s covered by these when you travel will depend on both where you live and where you’re travelling.

Travelling within Canada

In accordance with the  Canada Health Act Opens a new website in a new window  provinces and territories must extend medically necessary hospital and physician coverage to eligible residents when they travel outside that province or territory.

While specific cases may vary, this generally means that you can present an eligible health card when you receive treatment at a hospital or doctor’s office, and costs will be billed directly to your provincial or territorial plan.

This is to prevent Canadians potentially not being able to access medical care due to upfront costs, although in some cases, you may need to pay upfront for services and then claim reimbursement from your home provincial or territorial plan when you return.

Some health services, known as “additional benefits”, are usually not covered outside your home province or territory. Examples include:

• Ground or air ambulance services
• Prescription drug costs
• Dental care

If you’re planning to travel to a different province or territory, check your applicable  Ministry of Health website Opens a new website in a new window  to confirm what is and isn’t covered, and make sure to always carry your health card with you. Even if you’re travelling within the country, you may find it still makes sense to have some additional coverage in place.

Travelling outside of Canada

It is strongly recommended that when travelling outside of Canada, residents  have travel insurance prior to leaving Opens a new website in a new window .

This is because your provincial or territorial health insurance may not cover your medical bills while you’re outside Canada, or only cover a small portion of the total.

The Government never pays for medical bills outside of Canada upfront, meaning you’d need to pay for services at the time of treatment and then claim reimbursement.

Depending on where you’re travelling to and the type of medical assistance you need, this could potentially amount to hundreds if not thousands of dollars.

Travel health insurance can help give you access to medical care in some countries where, if you’re unable to pay upfront, you may be denied treatment.

Whether you’re a frequent flyer, a  snowbird  or planning a special once-in-a-lifetime trip, buying travel insurance can help ensure that should something unexpected happen, you and your loved ones are able to receive the necessary medical treatment.

If you’re part of a Canada Life workplace benefit plan,  sign into your account  or speak to a health and wealth consultant to add travel medical insurance to your existing coverage. If you have personal health and dental coverage such as  Freedom to Choose , learn more about  adding travel insurance to your plan .

What does travel medical insurance cover?

It can vary between plans, but these are usually covered:

• Emergency care, like an injury or a sudden illness like heart attack or appendicitis
• Medical evacuation, either home to Canada or the nearest place with the right level of medical care
• Repatriation if you pass away
• Medical costs up to a maximum amount, which can vary depending on your plan 
• Pre-existing conditions, although pre-travel stability periods may apply

What doesn’t travel medical insurance cover?

Again, it varies but these are pretty standard exclusions:

• Injuries or death caused by high-risk activities, like skydiving or scuba diving
• Routine or elective care
• COVID-19, although some plans – like Canada Life’s Freedom to Choose™ health and dental insurance – may provide coverage 
• Certain destinations, particularly if the government has issued a travel advisory  

How do you get travel medical insurance?

There are a few different ways to get travel insurance:

• Your workplace or group benefits plan
• Your individual health and dental insurance plan, where it may be offered as additional coverage (For example,  Freedom to Choose  health and dental insurance allows you to purchase it as an add-on to your health insurance, often for just a few extra dollars a month)
• A credit card that includes travel insurance coverage
• A company offering single trip travel policies

What kinds of travel insurance can you get?

Annual or multi-trip medical insurance.

This can cover any trips you take over an entire year, and is a great choice for a frequent traveller

Single trip travel medical insurance

This is a plan that you buy for a specific time period, which means you’re only covered for the days on your policy

What's next?

• When you’re planning your next trip, make sure you’re covered for any health emergencies that aren’t covered by your usual insurance.
• If you have or are considering an individual health insurance plan, think about adding travel medical insurance as optional extra coverage.

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Travel Insurance

Travel insurance plans are designed to help protect you and your family wherever your travels take you. Speak to a Sun Life advisor to learn more.

What is travel insurance?

Whether you’re headed outside your home province or to the other side of the world, traveling can be stressful.

Travel insurance can help protect you from the difficulties that come from unexpected medical expenses. 

If you’re traveling soon and looking for coverage, a Sun Life advisor can talk to you about your options.

Why do I need travel insurance? 

If you’re planning to travel, there are many reasons why travel insurance may be right for you:

• For the peace of mind. You’ll know you’re protected in case of an accident or sudden illness.
• To cover unexpectedly high bills. The cost of medical care can be much higher abroad than in Canada,
• To be supported by a team of professionals. They’ll make sure that you have access to medical care and arrange for you to come home if needed.
• For unexpected hospital visits. Some hospitals require that uninsured patients pay a deposit of several thousands of dollars before providing the necessary care. With travel insurance, you'll save money on any potential hospital charges.

What does travel insurance cover? 

When you’re traveling outside your home province, territory, or country, unexpected emergencies can cost thousands of dollars. 

Your government health care plans have limits on how much they’ll cover. You may be left with any potential bills.

Travel insurance can help you manage your way through difficult situations:

• Emergency medical care. Travel insurance can help when you need unexpected hospital, ambulance, and dental care.
• Theft or loss of documents. Insurance specialists can help you reach the Canadian embassy or your financial institution if your documents or cards are lost or stolen.
• Translation services. If you don’t speak the local language where you’re traveling, multilingual interpreters can help. In an emergency, these interpreters can help you communicate with local resources.
• Trip interruption. Travel insurance can help you arrange for your return home in the event you must cut your trip short due to a medical reason.

Keep in mind that your coverage may not include any pre-existing health conditions. A Sun Life advisor can talk you through your insurance options.

How to get travel insurance

Speak to an advisor about your travel insurance options .

Planning a trip? Make travel insurance a key part of your preparation.

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Frequently Asked Questions

Does travel insurance cover my expenses in case i get sick abroad, does travel insurance cover covid-19, does travel insurance cover covid-19 tests, does travel insurance cover cancelled trips due to covid-19 restrictions, does travel insurance cover accommodation during emergencies, what else should i consider before travelling.

Yes, travel insurance will typically cover you in case you get sick abroad. Some plans may exclude medical expenses incurred in places where a Level 4 Travel Advisory is in effect. 

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There are policies that may cover specific losses arising from sudden and unforeseeable circumstances related to COVID-19. 

Depending on your plan, COVID-19 tests may be covered. 

Travel insurance typically won’t cover canceled trips due to COVID-19 restrictions. This is because COVID-19 is a known event, meaning it’s not unexpected or improbable that circumstances may cause cancelation or interruption of your trip. Trip cancelation or trip interruption claims due to the Government of Canada’s COVID-19 advisories will typically not be covered. 

Some travel insurance policies may cover accommodation during certain emergencies.  

You may have important reasons to travel in these uncertain times, such as for family or work. If you’re preparing to travel outside of Canada, consider the requirements of the country that you’re visiting. As with every trip, we recommend you review and follow  Government of Canada travel advisories .

Please note: This is general information about travel insurance. To learn more, speak to a Sun Life advisor.

What is group travel insurance?

• Coverage options
• Choosing the right plan

Purchasing and managing group policies

• Special considerations
• Final recommendations and tips

Group Travel Insurance: A Comprehensive Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Group travel insurance is a single policy that covers groups of 10 or more. 
• Everyone in the group must have the same itinerary and travel to the same destination.
• Shop early and compare quotes to get the best deal. 

Whether preparing for a large family reunion in another state, booking a business trip with colleagues, or traveling with your college crew to a new country, you might consider group travel insurance. Group travel insurance provides financial protection for trips of 10 or more groups. But apart from the party size requirements, it functions the same as other travel insurance policies. 

Here's what you need to know about group travel insurance — how to determine if you need it, different options, and tips to secure the best deal. 

Group travel insurance is a single travel insurance policy that protects everyone on a trip. The policies are available for groups of 10 or more. Unlike other insurance policies that only cover one person or family travel insurance that only covers related travelers, group travel insurance can cover any group traveling together. You do not have to be related.

Group travel insurance policies usually offer comprehensive coverage, including standard protections against lost luggage, legal fees, medical emergencies, trip cancellations, and more. 

Key Benefits of Group Travel Insurance

Cost-effectiveness.

Group travel insurance may be cheaper than buying separate policies for each individual traveler. Insurance companies may provide discounts for insuring multiple people, as this lowers administrative overhead per person. This is similar to how auto insurers offer rate reductions for consumers who insure multiple people under one policy. 

It's worth noting that group travel insurance costs depend on the insurer and your trip details. Comparing quotes can help you find the best rates on the coverages you need.

You can find our guide on the best cheap travel insurance here.

Simplified management

Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process. You can buy one policy instead of multiple.

But to make it work, your group needs to be organized. This is especially true if group members intend to split the cost of the policy. It's crucial to communicate well with the people in your group and ensure everyone is on the same page. 

Coverage Options

Common coverage features.

Most group travel insurance policies offer comprehensive coverage, which usually covers common travel issues like cancellations and medical emergencies. 

Here's what comprehensive group travel insurance covers :

• Trip cancellation insurance: If you need to cancel your trip, this coverage reimburses you for the cost of travel. Each policy includes a list of cancellation reasons that are covered.
• Travel insurance for baggage: This covers the cost of stolen or missing luggage.
• Emergency medical evacuation insurance : Covers the cost of transportation from one location to another due to an emergency medical situation.
• Travel medical insurance: If you need medical care due to illness or injury while traveling, this part of the policy covers the cost. 
• Trip interruption travel insurance: If you have to cut your trip short due to an unforeseen emergency, this helps pay for travel plan changes. 
• Trip delay travel insurance: If there are delays to your flight or another aspect of your trip, this covers extra costs associated with the delay. It might include reimbursement for meals or hotel expenses. 

Additional coverage options

You can customize your travel insurance policy with coverage options at an additional premium. These add-ons can be helpful to provide adequate coverage for your group's specific needs. Some examples include:

• Adventure and sports coverage: For planned activities that involved increased risk (e.g., hiking, scuba diving, skiing, etc.) 
• Special events coverage: For cancellations, interruptions, or other losses that occur during planned events (e.g., weddings, corporate events, excursions, etc.)
• Equipment coverage: For damage, loss, or theft of equipment or gear brought on the trip (e.g., sports equipment, tech, etc.)
• Pre-existing condition waiver : For those with pre-existing conditions to receive travel medical coverage while traveling

Choosing the right group travel insurance

Assessing group needs.

Assessing your group's needs can help you choose the right group travel insurance. Some factors to consider include but aren't limited to the duration and destination of your trip, the type of travelers and their needs (including their ages and any pre-existing conditions), planned activities, and the group's budget.

Comparing insurance providers

Depending on the details of your trip, group travel insurance might be cheaper than purchasing individual policies for each traveler. But that is not always the case. As you shop for group travel insurance, there are steps you can take to ensure you get the best deal.

Get multiple quotes

It's smart to compare quotes from several providers. Multiple quotes allow you to compare coverage options and pricing. You can use a travel insurance comparison site like SquareMouth or TravelInsurance.com . Or you contact providers directly. Once you know the price range for protection, you can select the provider that seems like the best fit. 

The best time to buy travel insurance is right after you make your first trip deposit. Your policy kicks in right away, which is helpful if an event occurs that forces you to cancel your trip. Additionally, an early purchase can be necessary to qualify for certain riders, such as pre-existing condition coverage and CFAR travel insurance .

Application and enrollment process

You should be prepared to provide the following information about your group when fielding quotes from travel insurance companies. 

• Trip dates 
• Travelers' names and date of birth
• Destination 
• Initial trip deposit date 
• Cost of trip per traveler (prepaid and nonrefundable expenses)

Your insurance company may ask for additional information, such as pre-existing medical conditions and planned activities. 

Policy management and claims

The coverage you select applies to everyone in the group. Each group member can make individual claims, which is helpful if only one or two people need to make a claim. But if everyone is involved, the entire group can file claims. 

Special Considerations for Group Travel Insurance

Tailoring policies to group type.

It's important to tailor your insurance policy based on the type of group and the trip to ensure adequate protection. For example, if you're traveling with senior members, you want your policy's medical coverage to include pre-existing conditions. If your trip has physical or outdoor activities, adventure and sports coverage is additional protection worth considering. 

A travel insurance agent can help you identify which coverages are necessary for your group's trip and find a policy that works for your group's budget.

Handling diverse member needs

Handling the diverse needs of group members within a single policy requires careful attention to policy details, including coverage specifics and deductibles. Start by thoroughly reviewing the policy to understand the included coverages and associated deductibles. If certain coverages are unnecessary for your group, ask your insurer whether they can be removed to reduce costs. 

You may want to look for a policy with add-ons or customizable options. This allows you to tailor the coverage to meet the specific needs of different group members. Additionally, consider raising the deductible to lower the premium. However, ensure the deductible amount is affordable for all members in case a claim needs to be filed. This ensures your group has adequate protection while accommodating the diverse financial needs of the group.

Group travel insurance final recommendations and tips

Best practices for group leaders.

Before your trip, communicate insurance details like coverage inclusions, exclusions, deductibles, and how to file a claim with your group. It also helps to maintain policy documents in case an unexpected event arises. 

You and your group should also establish a contingency plan and save your insurance's emergency hotline contact number for medical emergencies, natural disasters, or other travel disruptions.

Resources for further information

For further information on group travel insurance, check out:

• Insurance companies' websites for information about coverage options, exclusions, and getting a quote. 
• Travel insurance comparison sites allow users to compare policies from multiple providers at once based on coverage, price, and other factors. Some examples of comparison websites include InsureMyTrip , Squaremouth, and VisitorsCoverage . 
• Travel agencies to help you book your trip and pick group travel insurance based on your itinerary. 
• Consumer review sites like Trustpilot and ConsumerAffairs to read first-hand testimonials by real users on their experience with a company. 

Group travel insurance FAQs

Group travel insurance typically requires a minimum of 10 travelers to qualify for group travel insurance, but this varies by provider.

Yes, many group travel insurance policies offer options for various activities specific to the group's needs and travel itinerary, such as adventure and sports, special events, and equipment coverage. 

Group travel insurance can be more cost-effective per person than individual policies, especially for larger groups. Compare quotes from various insurance providers to get the best deal on the coverages you need. 

If one member  of a group travel insurance plan has an issue, that member can file a claim with the travel insurance company individually. That's why it's important for every member to be familiar with the claims process in case an issue arises. 

A group leader should consider the group's specific needs, planned activities, destination-specific risks, and the group's budget when choosing a travel insurance policy. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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BPG is offering a travel insurance plan from Manulife. You must be a BPG member in good standing to be eligible for this offer.

The enrollment date has been extended to Aug 31, 2023.

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Your safety net when the unexpected happens

• Help protect yourself from sudden medical and other emergency expenses
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Insurance at CIBC

Travel insurance.

Enjoy your trip more, knowing that you have insurance protection in case of an emergency.

CIBC Travel Medical Insurance

CIBC Trip Cancellation & Trip Interruption Enhanced Plan

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Creditor Insurance

Get help paying off, reducing your balance or making your payments in the event of death, critical illness, disability or job loss.

Including insurance as part of your overall financial plan and choosing from a range of solutions for your CIBC Mortgage Loan, Personal Line of Credit, Credit Card or Personal Loan can help you and your family with your loan payments in the event of disability, job loss 1 , critical illness 2 or in the event of death.

Creditor Insurance for CIBC Mortgages

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Creditor Insurance for CIBC Personal Loans

CIBC Payment Protector™ Insurance for Credit Cards

Download product summaries

Product summary for Creditor Insurance for CIBC Mortgages (PDF, 315 KB) Opens in a new window.

For Quebec residents: Product summary for Creditor Insurance for CIBC Mortgages (PDF, 280 KB) Opens in a new window.

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For Quebec residents: Product summary for Payment Protector Insurance for Credit Cards (PDF, 450 KB) Opens in a new window.

Submit a claim

If you have CIBC creditor insurance, you may be eligible to submit a job loss, disability, critical illness or life insurance claim.

For creditor Insurance for CIBC Mortgages, CIBC Personal Lines of Credit and CIBC Personal Loans, complete and return the claim form:

• Job loss insurance claim form (PDF, 425 KB) Opens in a new window.
• Disability insurance claim form (PDF, 855 KB)  Opens in a new window.
• Critical illness insurance claim form (PDF, 825 KB) Opens in a new window.
• Life insurance claim form (PDF, 85 KB) Opens in a new window.

    Tip: Download the form by right-clicking the file and selecting “Save link as.” You can then open it using Adobe Acrobat Reader.

For CIBC Payment Protector Insurance for Credit Cards:

• To submit a claim, call the insurer, Canadian Premier Life Insurance Company.

English:  1-800-893-2862 Opens your phone app.

French:  1-800-939-0169 Opens your phone app.

Disclaimer:

1 Job  loss insurance coverage isn’t available on CIBC Personal Lines of Credit. Job loss insurance for Personal Loans pays a benefit equal to the interest payable on your insured loan, up to a maximum of 6 months per incidence of job loss.

2 Critical Illness insurance coverage is available for CIBC Mortgage Loans and Credit Cards.

Creditor Insurance for CIBC Mortgages, CIBC Personal Lines of Credit and CIBC Personal Loans are optional creditor’s group insurance underwritten by The Canada Life Assurance Company (Canada Life). CIBC Payment Protector™ Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company (Premier Life) .

CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company (accident and sickness benefits) and The Sovereign General Insurance Company (property and casualty benefits). CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Allianz Global Assistance provides the CIBC travel assistance and claims services in respect of all insurance coverage under CIBC Travel Insurance plans. CIBC earns compensation from the insurer for the promotion of CIBC Travel Insurance plans.

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Our specialists are available to you whenever you need them. So you can enjoy peace of mind — and we take care of the rest.

All You Need Is Royal Caribbean Travel Protection 1

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Cancel your trip and we have two options, cancellation for specified, non-excluded reasons and get up to 100% of your unused prepaid trip cost or for any other reason, get 90% future cruise credits.

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Cancel your trip and we have two options, cancellation for specified, non-excluded reasons and get up to 100% of your unused prepaid trip cost or for any other reason, get 30% future cruise credits.

TRAVEL DELAY COVERAGE 3

Don't let delays slow you down. The Royal Caribbean Travel Protection Program covered travel expenses when you've been delayed, so you can get on with your vacation without skipping a beat.

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If you get sick or injured during your vacation, get the care you need with a vacation protection plan. The travel protection program reimburses for medical expenses as well as emergency transportation by air or land.

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Don't lose it over lost luggage. The Royal Caribbean Travel Protection Program has your bags covered up to $1,500 if they're lost, stolen or damaged and up to $500 for covered replacement items if they're delayed.

Whatever comes up, wherever you are, whenever you need it; we're always here to help. Because vacations should be all about peace of mind.

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1  Royal Caribbean Travel Protection is an optional travel protection add-on to your cruise booking and is available through Royal Caribbean for residents in all states except New York. New York state residents who wish to purchase the product may visit https://travelcruisecare.com to enroll directly with Aon Affinity. If added, your Royal Caribbean Travel Protection plan is not effective until the plan cost has been paid. Plan cost is not automatically included as part of your initial cruise deposit.

2  Travel insurance benefits are administered by Aon Affinity and underwritten by Arch Insurance Company, with administrative offices in Jersey City, NJ (NAIC #11150) under Policy Form series LTP 2013. This is a brief overview of the coverages. Subject to terms, conditions and exclusions. This is a general overview of insurance benefits available. Coverages may vary in certain states and not all benefits are available in all jurisdictions. Please refer to your certificate of benefits or policy of insurance for detailed terms, conditions and exclusions that apply. Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc. (TX 13695); (AR100106022); in CA & MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc. (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. Any questions regarding the terms and conditions of the insurance benefits of any Royal Caribbean Travel Protection plan or any questions regarding any existing insurance coverages should be directed to Aon Affinity by calling Aon Affinity 1-800 453-4022.

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You can pre-purchase ground transportation and airport transfers to take you from your arrival airport to the ship on the day of your sailing, and from the pier to your departure airport on debarkation day. We recommend purchasing your transfer at least two weeks prior to sailing — just consult with your travel agent or call our Reservations department at 1-800-327-6700.

TRAIN TO PORT ON BRIGHTLINE

Turn the journey to your cruise into an enjoyable experience with Brightline's convenient train service. With key stations near top Florida ports, you can go from station to vacation without a hitch. Enjoy comfortable seating, complimentary Wi-Fi, a variety of food and beverage options, and friendly service. All designed to make your trip as pleasurable as your cruise.

KNOW BEFORE YOU GO WE’LL SHUTTLE YOU TO YOUR SHIP

Royal Caribbean offers easy-to-purchase ground transfers to and from the cruise ship — just leave the details to us. 

Ease into your cruise adventure by letting Royal Caribbean safely get you to and from the ship with one of our easy-to-purchase ground transfers.

If you choose to make your own air arrangements or book air through our online ChoiceAir Travel Program you may wish to purchase ground transportation to the ship. Transfers are available for pre-purchase from the arrival airport to the pier on day of sailing and from the pier to the departure airport on debarkation day only. It is recommended that transfers are purchased two weeks prior to sailing. Please remember we require your flight information in order to promptly meet all guests.

To purchase your Royal Caribbean Guest Transfer or for additional information consult your travel agent or our Reservations Department at 1-800-327-6700.

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The 5 Best Travel Insurance Companies

Planning a trip can be a lot of fun: researching amazing bucket-list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world’s most amazing destinations. Planning gives you ownership of your trip and lets you imagine all the wonderful adventures you’ll have.

What is significantly less fun (yet equally important) is searching for the right travel insurance plan for your trip.

Reading through the fine print, searching out reviews you can trust, picking the best plan — it can be a little tedious.

It can also be a little overwhelming.

There are hundreds of companies out there, all offering seemingly similar plans. But they all have different prices too. Which one is the best? Which review is right?

To help you figure it all out, I wanted to share my thoughts on the best travel insurance companies on the market. I’ve been backpacking since 2004 and researching companies for a living since 2007. I’ve spent a lot of time reading the fine print. (Have you ever read NY’s insurance compliance laws? Well, don’t.)

To save you time, I’ve compiled a list of the best travel insurance companies. Whether you’re heading south to escape from winter or traveling abroad on a round-the-world trip , this list will help you find a company that works for you and your budget.

Table of Contents

• Best overall insurance: SafetyWing
• Best comprehensive insurance: World Nomads
• Best for medical evacuation: Medjet
• Best insurance for older travelers: Insure My Trip
• Best insurance for expats: Insured Nomads
• Honorable Mention: Your travel credit card

OUR TOP PICK: SafetyWing

Here’s a quick overview of SafetyWing:

• Offers super affordable monthly plans
• Plans can be purchased at home before you go or abroad after you’ve departed
• Claims can be filed online
• After being abroad for 90 days, you keep your medical coverage for 30 days in your home country (15 in the U.S.)
• Up to 2 children under 10 per family (1 per adult) can be included on your plan free of charge
• Up to $5,000 USD for trip interruption (with no deductible)
• Best for digital nomads and frugal travelers

Its plans are cheap too. It’s nice that they offer a flat monthly rate (based on coverage and age), and in 2024, they removed the deductible for non-US residents (hopefully they’ll do the same for US residents soon).

Additionally, electronics such as phones, laptops, and cameras are not covered as part of their standard policy (non-US residents can buy an electronics add-on though), and in this day and age, that’s just crazy. If the items are checked luggage and are lost/stolen, you can get reimbursed up to $500 USD per item, but who checks their expensive items?

• Super affordable
• Offers some COVID-19 coverage
• Backed by a single insurance company
• Covers up to age 69
• Can buy while traveling
• Monthly subscription model so you can cancel anytime
• No deductible for standard claims
• Fast response time (average claim takes 4 days to process)
• No trip cancellation coverage (and only minor trip delay coverage)
• Payout by wire transfer only (no direct deposit)
• Limited coverage for your gear and adventure activities

SafetyWing is a good option for anyone traveling on a tight budget who just needs basic coverage. If you want some medical coverage, don’t care about your electronics or robust trip cancellation or interruption, and just want an inexpensive plan, SafetyWing is the best.

Monthly plans start at $56.28 USD per month for travelers 18-39 years old. If you will be traveling in the USA, monthly plans cost $104.44 USD per month.

If you just want basic “I just want to be covered for the big stuff” coverage, this company is it ( read more in our SafetyWing review ).

Get a policy with SafetyWing  

World Nomads

Here’s a quick overview of World Nomads:

• Emergency medical and dental coverage
• Coverage for trip cancelations, delays, and interruptions
• Baggage protection
• Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
• Medical transportation
• 24/7 customer assistance
• Coverage for some COVID-19 medical costs
• Tiers for basic and premium coverage
• Delay and cancellation coverage
• Can submit a claim after your trip ends
• Covers a wide range of adventure activities
• Offers some COVID coverage
• Everything can be done via the website
• Trusted by brands like Lonely Planet, Eurail, and Intrepid Travel
• Claims paid by check
• No car rental coverage on the Standard Plan
• No “cancel for any reason” coverage
• Does not cover pre-existing conditions

Prices vary based on your age and country of residency, as well as where you’re going and for how long. Generally, a two-week policy costs around $100 for the Standard Plan, while an Explorer Plan is closer to $200 USD.

Learn More   World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.  

Most insurance companies just evacuate you to the nearest hospital in an emergency, but as a membership program, Medjet goes above and beyond to ensure that you’re repatriated (i.e. sent back to the country you live in). You won’t be stuck in a foreign medical facility away from your friends and family.

There are both short-term and annual plans, too, so no matter what your travel plans are, you’ll be able to find the affordable coverage that you need.

Here’s a quick overview of Medjet:

• Extensive medical transport coverage that will get you home
• Allows you to determine to which medical facility to be moved
• Does not require government-issued warnings to initiate evacuation
• Medical transfer available in the US as well as abroad
• Both short-term and annual plans
• Available for residents of the US, Canada, and Mexico
• Language translation assistance and liaises with foreign hospital staff for you
• Will get you home (not just to the nearest “acceptable” medical facility)
• Affordable annual plans
• Two tiers of coverage: basic and premium plans
• Offers global coverage for COVID-19
• Offers coverage up to age 74 (with potential extended coverage to 84)
• Only available to North American travelers (US, Canada, Mexico)
• No trip cancellation, trip delay, or baggage coverage
• Must purchase before you leave home

Medjet is the perfect company for anyone looking to avoid time spent in foreign medical facilities should an emergency or crisis occur. It’s a great supplement to more basic travel insurance plans, especially if you’re worried about being transported home. Learn more in my comprehensive Medjet review.

Annual plans for global coverage start as low as $315 USD per person.

Get a policy with Medjet  

Insure My Trip

With Insure My Trip, you can compare plans from over 20 different insurance providers. It’s a great resource for senior travelers since many of the providers they recommend offer coverage for those over 65. Moreover, they offer “cancel for any reason” insurance, so, if you cancel your trip for any reason, even ones not listed under regular policies, you’ll get a percentage of your trip back.

Here’s a quick overview of Insure My Trip:

• Guaranteed low prices
• Coverage for senior travelers over 65
• “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied.
• Comparisons from over 20 different companies to ensure you get the best plan
• Accommodation coverage if quarantined at your destination
• Reviews of each policy so you can see what other travelers say
• Coverage for travelers on cruises
• Tons of plans available
• Options for senior travelers
• Assistance with denied claims
• Offers “cancel for any reason” (CFAR) plans
• Since it’s a third-party service, you’re dealing with a middleman
• Can be a bit overwhelming to sort through the different plans

Since Insure My Trip is an aggregator, prices will vary based on your trip destination, country of residency, and travel plans.

Get a policy with InsureMyTrip  

Insured Nomads

While Insured Nomads offers your standard travel insurance, where they really shine is with their long-term traveler coverage.

I think this company is the best for expats and digital nomads looking for a robust insurance plan that covers regular doctor visits, medication, and other routine care. They also offer mental health coverage and telemedicine — options virtually no one else offers.

Most travel insurance plans are emergency care plans. Insured Nomad’s International Health Insurance is there for both everyday visits and emergencies. While it’s more expensive than your regular insurance plan, it also covers a lot more, making it a great choice for people working abroad remotely.

• Both emergency and routine care is covered
• Mental health coverage
• Optional coverage for prescription drugs, maternity, vision, dental, and vaccinations
• Family and couple plans available
• Telemedicine
• Can choose your own deductible
• Up to $2,000,000 in plan coverage
• Includes a trip to your home country for up to 15 days per 90 days of coverage
• You need to get a quote to apply since prices vary
• Their comprehensive coverage is expensive without a deductible

Plan prices vary a lot based on where you’re from and where you’re going, with coverage starting at $145.60 USD per month. While expensive, this plan is designed for remote workers and digital nomads who want robust care while they work and travel the world.

Get a policy with Insured Nomads  

Honorable Mention: Credit Card Coverage

While not the most comprehensive, many travel credit cards include some degree of travel insurance. Coverage is often limited and might only apply to trips or items purchased with the card. And there may be limited dates of coverage too.

However, something is better than nothing!

That said, while it can be tempting to rely on the free travel insurance from your credit card company, their plans are usually not that comprehensive and have minimal coverage and/or limited compensation. This is especially the case with anything medical, as credit card travel insurance tends to focus on trip delays, cancellations, and interruptions. These free plans are best used as supplemental coverage in addition to a plan from one of the companies above.

But it’s always great to have options (especially free ones). Be sure to learn more about the best travel credit cards before your next trip (you’ll have to read the fine print).

Note : If you’re traveling with a lot of expensive gear and electronics and want to be sure you’re covered, consider a policy from Clements . While its coverage isn’t as convenient to purchase as the companies above (you need to order a quote via email or phone), it has higher coverage available for gear and electronics if you think you’ll need it.

Nobody plans on getting hurt when they travel. And in a perfect world, we wouldn’t. But we all know that this isn’t a perfect world.

My bags were stolen when I was traveling in South Africa .

I popped my eardrum while diving in Thailand .

And I was even stabbed while backpacking in Colombia .

Obviously, I didn’t plan for any of these things to happen.

But they did.

And I was lucky I had travel insurance to help me cover the costs. So, before you head out on your next trip, make sure that you’re covered. Invest in your own safety and peace of mind. I promise you, it’s worth the money!

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission or fee if you make a purchase or get a quote from some parties using these links. I do not represent any of the companies above and I only work with products and companies I personally use.

Hi, I’m Nomadic Matt, the New York Times best-selling author of How to Travel the World on $50 a Day and Ten Years a Nomad, as well as the founder of this website! And I’m here to help you save money on your next trip.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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