Trip Cancellation & Interruption Insurance
Travel plans don’t always go as expected. Flights get delayed, family emergencies arise, and sometimes you may even need to cancel your trip entirely. That’s where trip cancellation and trip interruption insurance comes in, giving you peace of mind that your financial investment is protected if the unexpected happens.
At BestQuote, we provide access to Canada’s top insurers, so you can compare policies side by side and choose the plan that best fits your needs and budget. Whether you’re booking a cruise months in advance, planning a family vacation, or simply want coverage for missed connections, we’ll help you find the right protection.
Protect your trip investment against unexpected cancellations or interruptions.
What is Trip Cancellation Insurance?
Trip cancellation insurance protects you financially if you’re forced to cancel your trip before departure. Flights, hotel bookings, tours, and cruise deposits are often non-refundable - and losing that money can be costly. For a small percentage of your total trip cost, a cancellation policy reimburses you when you need to cancel for an insured reason, so you’re not left paying out of pocket.
Most trip cancellation plans cover events such as:
Unexpected medical emergencies or death affecting you, your travelling companion, or immediate family.
Pregnancy complications, adoption-related changes, or visa refusals outside your control.
Being called to jury duty, military service, or court as a witness.
Quarantine, hijacking, or natural disasters affecting your home or destination.
Job loss, involuntary relocation, or mandatory work transfer.
Cancellation of a key business meeting scheduled before departure.
Official Government of Canada travel advisories warning against travel to your destination.
Coverage varies across providers, so it’s crucial to read the policy wording. At BestQuote, we make it easy to compare trip cancellation insurance from Manulife, Allianz Global Assistance, TuGo, RSA, Travel Guard, Travelance, and GMS Insurance - helping you make an informed decision.
What is Trip Interruption Insurance?
Trip interruption insurance protects you after your trip has already begun. If an unexpected event forces you to return home early, delay your plans, or rebook accommodations and flights, this coverage helps you avoid major out-of-pocket expenses.
While every provider’s wording differs slightly, most interruption policies cover situations such as:
Medical emergencies, serious illness, injury, or quarantine affecting you, your travel companion, or an immediate family member.
Unexpected hospitalization or death of a host, business partner, or key employee.
Loss of employment, job transfer, or being called to emergency service (police, military, firefighting).
Court obligations such as a required testimony or subpoena.
Natural disasters, house fires, or severe damage making your home or business uninhabitable.
Weather-related delays or airline schedule changes that prevent you from continuing your trip.
Road accidents or transportation breakdowns on the way to your departure point.
Government-issued travel advisories or warnings announced during your trip
Trip Interruption coverage can be obtained as an optional coverage on a medical emergency plan, or purchased separately. The cost is reasonable. Check what it will be for your trip.
Why Trip Interruption is Often Combined with Cancellation
Most cancellation policies already include interruption coverage. However, if you only want interruption protection, you can request a quote with $0 trip cost. This keeps premiums lower while still covering emergencies that arise after you’ve departed. Many all-inclusive travel insurance packages also build cancellation and interruption coverage together for full protection.
How to Buy Trip Cancellation & Interruption Insurance
Buying trip cancellation and interruption insurance through BestQuote is quick and easy:
Fill in our online quote form with your trip details. Select "Canadian Travellers" and "Trip Cancel/Interruption" in the quote tool at the top of this page.
Instantly compare prices and coverage from Canada's top insurance companies including Manulife, Allianz Global Assistance, TuGo, Travelance, and more.
Purchase online in minutes - your policy documents are delivered immediately.
Prefer to seak with an advisor? Call us toll-free at 1-888-888-0510 and we'll help you find the best policy at the best price for your needs.
Frequently Asked Questions
Find answers to the most commonly asked questions about our services.
If your travel plans aren’t finalized, you don’t need to list every country you might visit - except for the U.S. Whether you go there can affect your premium. For other countries, the number of destinations generally doesn’t change your rate.
Yes, many insurers allow you to extend your policy while abroad if you apply before your coverage expires and no claims have been made.
Yes, some Canadian insurers allow you to buy emergency travel insurance after leaving Canada, but options are limited and waiting periods may apply. It’s always best to purchase coverage before you travel.
A single-trip plan is cheaper if you are only taking one journey, but an annual multi-trip plan is often the better value if you travel several times a year. Comparing both options helps you choose the most cost-effective coverage.
In travel insurance, trip cost is the total of your non-refundable, pre-paid expenses for a trip - like flights, hotels, and tour deposits. It determines your coverage and helps calculate the premium, ensuring you’re reimbursed if a covered cancellation or interruption occurs.