Travel Insurance
Protect the vacation you've invested in — cancellation, medical and interruption coverage explained in plain language.
Coverage That Fits the Trip
Cruise itineraries, adventure activities and multi-country tours each need different protection; we match the policy to your actual travel plans.
Claims Support
If something goes wrong, your advisor helps you navigate the claim — you're never left alone with a call centre.
What BC's MSP Doesn't Cover
Outside Canada, MSP reimburses only a tiny fraction of foreign hospital charges — often under $75 a day against real costs in the thousands. Emergency medical coverage of $5 million or more is the industry standard we recommend for US and international travel.
Reading the Fine Print For You
Pre-existing condition stability clauses, adventure activity exclusions, alcohol clauses — the traps live in the details. We match the policy wording to your actual trip and health situation, and explain in plain language what is and isn't covered before you pay.
Asked, answered.
Is travel insurance mandatory?
Some destinations and cruise lines require proof of coverage; for everyone else, we strongly recommend it.
What does trip cancellation cover?
Reimbursement of prepaid, non-refundable costs when you must cancel for a covered reason such as illness or family emergency.
Does it cover medical emergencies abroad?
Yes — emergency medical is the most important component for travel outside Canada.
Can I add insurance after booking?
Yes, though some benefits require purchase within days of your initial deposit — ask us early.
Does credit card insurance suffice?
Sometimes for short trips — but limits, age caps and trip-length restrictions surprise people. Bring us your card's certificate and we'll gap-check it free.
What is CFAR coverage?
Cancel For Any Reason upgrades refund 50–75% even without a covered cause — worth considering for expensive, far-out bookings.
Are pre-existing conditions covered?
Yes, when stability clauses are met — typically 3–6 months without changes. We match the policy's definition to your situation before purchase.
How do claims actually work?
Call the insurer's assistance line first, keep every receipt and report, and we'll help assemble the claim package — clients rarely navigate it alone.