Explore Our Coverage
For Canadian Residents
Explore Our Coverage
For Canadian Residents
Trip Cancellation and Interruption
Unexpected events can sometimes disrupt even the best-laid plans. This coverage provides financial protection should any of the events on the list of insured risks require you to cancel, modify, extend or interrupt your trip.
Option: Cancel for Any Reason
Want additional coverage?
This option allows you to cancel your trip for reasons other than those covered by Trip Cancellation and Interruption.
The following fees may be covered and reimbursed:
In case of cancellation before travel:
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Non-refundable insured travel expenses
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Additional charges for new occupancy rates
In case of interruption (or extension) during the trip:
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Unused portion of insured travel expenses
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Additional transportation expenses
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Subsistence allowance
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Vehicle return expenses (personal or rental)
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Costs related to the return of remains, or cremation or burial at the destination in case of death
The event that requires you or your travel companion to cancel, interrupt, extend or modify your trip:
- Must be unknown on the effective date of coverage
- Must be beyond your control
- Must prevent you from travelling or continuing your trip
Insured risks include medical situations such as illnesses or injuries, issues related to your primary residence or destination accommodations, transportation disruptions, pregnancy complications, and other unforeseen events that could impact your travel plans. Please refer to the travel insurance policy for the complete list of insured risks.
To cancel your trip for reasons beyond those covered, consider adding the
Option: Cancel for Any Reason.
Expenses incurred as a result of the following events are not covered:
- Travel provider default (if known prior to purchase)
- Acts of war and civil unrest
- Suicide and intentional injury
- Criminal or illegal acts
- Known, predictable or ignored circumstances
- Trip undertaken for medical purposes
- Pandemic
- Injury related to high-risk sports or activities
- Use of alcohol, drugs and other intoxicating substances
The policy also includes other exclusions, such as those related to pre-existing medical conditions. Please review the travel insurance policy for full details.
Explore our comprehensive travel insurance options.
For our most comprehensive insurance in case of an emergency or unforeseen event, you can combine all coverage options:
Emergency Medical Care, Trip Cancellation and Interruption, Accidental Death or Dismemberment, and Baggage.
Explore our comprehensive travel insurance options.
For our most comprehensive insurance in case of an emergency or unforeseen event, you can combine all coverage options:
Emergency Medical Care, Trip Cancellation and Interruption, Accidental Death or Dismemberment, and Baggage.
Frequently Asked Questions
To be eligible for Trip Cancellation and Interruption coverage, the event in question must be fortuitous and unforeseen, out of your control, and serious enough to require you to cancel, interrupt, extend, or modify your trip.
The coverage provided by your credit card company may have limitations or restrictions. It is important to review your policy thoroughly for coverage details. It is often recommended that you purchase additional coverage for complete protection.
Check your credit card coverage for the following:
Travel duration
Travel insurance cannot be purchased once you depart from Quebec. It is important to check the length of stay covered by your credit card company, as well as any restrictions based on age.
Emergency medical care coverage
There are often strict eligibility and stability requirements based on your current health. Make sure you understand the exclusions in your coverage prior to your departure. You could be quite unhappy to learn that a health condition is excluded right when you need emergency medical care. Also make sure the coverage amounts are enough, and inquire about any deductibles you may have to pay.
Trip cancellation and interruption
If you incurred fees up front, make sure the amount covered under trip interruption/cancellation is enough to save you from financial losses. Most credit card companies do not cover trip interruption or cancellation, and when they do, the maximums are not sufficient to fully cover your costs. Blue Cross can provide you with coverage that protects you in the case of unforeseen situations.
Protect yourself and your family. Don’t risk your financial security with incomplete coverage. With Blue Cross travel insurance, you enjoy complete medical coverage by a travel insurance company recognized around the world.
Yes—provided you purchased your trip (either fully or partially) and obtained Trip Cancellation and Interruption coverage before the situation became publicly known. The event (or the risk of it occurring) is considered publicly known from the moment it is announced in the media. Therefore, Trip Cancellation and Interruption coverage will not apply in the following situations:
- If a new travel insurance contract is purchased, or if a trip is paid for (fully or partially) on or after the date of the media announcement.
- If a trip covered by the Annual Multi-Trip product is purchased (fully or partially) on or after the date of the media announcement.
No. Prepaid travel expenses must not be recoverable in any way to be eligible for reimbursement.
Emergency Medical Care Coverage
The travel advisories of the Government of Canada do not affect insurance eligibility. However, we recommend that you follow government and health authority recommendations.
Trip Cancellation and Interruption Coverage
Trip Cancellation and Interruption coverage is subject to certain limitations or exclusions when government warnings are issued.
If you have any questions about your coverage, please contact us at 1-888-822-5383.
A pre-existing medical condition is a medical condition, illness, or injury that already exists before you travel and before your Blue Cross travel insurance coverage takes effect. For a pre-existing medical condition to be covered by travel insurance, it must be stable for a period defined in the contract. For more information, please contact one of our agents or read our blog article on the topic.
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