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Trip Cancellation / Interruption Travel Insurance for Canadians

Included in All Inclusive or purchased separately.

Trip Cancellation / Interruption Benefits

  • Up to sum purchased per insured per trip for the Trip Cancellation / Interruption Plan when purchased separately
  • Up to $3,500 per insured per trip for the Single Trip All Inclusive plan
  • Up to $3,500 per insured per trip and  up to $6,000 per policy for Multi Trip All Inclusive Plans
  • Reimbursement of prepaid portion of the  trip that is non-refundable and non-transferable to another travel date for a covered event

Highlights of some of the insured risks:

  • Unexpected medical emergency or death of insured (or insured's travel companion)
  • Unexpected medical emergency or death of insured's (or insured's travel companion's) immediate family or key person
  • Cancellation of a business meeting
  • Canadian Government issues a Travel Advisory regarding the travel destination
  • Travel visa not issued
  • The person whose guest the insured will be during the trip has a medical emergency and is admitted to a hospital or dies
  •  Missed connection

To be eligible for stand-alone Trip Cancellation / Interruption Insurance under this plan, you must:

  • be living in Canada or travelling through Canada; and 
  • have paid the appropriate premium

Under Trip Cancellation / Interruption Insurance, coverage will include travel within your province or territory of residence.

Effective Dates and Expiry Dates

Your Coverage starts:

For Trip Cancellation, on the date you pay the premium for that coverage.

For Trip Interruption coverage, on the later of:

  • the departure date; or
  • the effective date as stated on the confirmation.

Your Coverage ends:

For Trip Cancellation, on the earliest of:

  • the departure date;
  • the date you cancel your trip; or
  • the expiry date shown on the confirmation.

For Trip Interruption, on the earliest of:

  • the date you return home; or
  • the expiry date shown on the confirmation.

Refunds and Cancellations are not permitted on any All Inclusive plans.

Full refunds for standalone Trip Cancellation / Interruption Insurance is available if:

  • you cancel your trip before any cancellation penalties are in effect; or
  • the common carrier or travel supplier cancels the entire trip and all penalties are waived; or
  • the common carrier or travel supplier changes the policyholder's trip dates and you are not able to travel and all penalties are waived.

  1. Premium rates are in $CDN per person.
  2. Rates are subject to change without notice.
  3. Premium due is based on:
    1. The sum insured;
    2. The age at the time of application.

Coverage will not take effect if the applicant's method of payment is not honoured when presented for payment.

You must call the Assistance Centre before obtaining emergency treatment, so that we may:

  • confirm coverage
  • provide pre-approval of treatment

If it is medically impossible for you to call prior to obtaining emergency treatment, we ask that someone call on your behalf. Otherwise, if you do not call the Assistance Centre before you obtain emergency treatment you will have to pay 20% of the eligible medical expenses we would normally pay under this insurance.

Read the certificate with particular attention to "pre-existing medical condition" and other exclusions that apply to the coverage.

The Scotia Travel Insurance certificate should be kept with you at all times when travelling. It includes telephone numbers in case of an emergency or if an extension is required.

Get a Quote View Policy (PDF)