All-Inclusive Travel Insurance Package
Instead of buying separate plans, some travellers prefer one package that combines emergency medical, trip cancellation, trip interruption, baggage, and more. Many companies call this an “all-inclusive” plan.
We help you understand what is usually included in an all-inclusive travel insurance package so you can see if it fits your style of travel. This is especially helpful for families, seniors, and Filipino-Canadian travellers who want simple, bundled protection for a big trip.
What an all-inclusive plan may combine
- Emergency medical travel insurance
- Trip cancellation and trip interruption benefits
- Baggage loss, damage, or delay coverage
- Travel delay or missed connection benefits
- 24/7 emergency assistance services
Exact benefits, limits, and exclusions always depend on the specific insurance company and plan. Not all packages include every item listed above, and some offer optional add-ons.
Is an all-inclusive travel insurance package right for you?
Some travellers prefer to choose only emergency medical coverage or only cancellation and interruption coverage. Others feel more comfortable with a package that groups several protections together, even if they never use every part of it.
All-inclusive travel insurance can be worth considering if:
- You want one plan instead of managing several separate policies
- You are planning a complex or expensive trip with many prepaid pieces
- You like the idea of having some protection for baggage and travel delays
- You are travelling with family members of different ages
We can help you compare the differences between a stand-alone medical plan, a cancellation-only plan, and an all-inclusive package so you can decide what feels most practical for your situation.
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Questions we can help you think about
- Do you need only medical coverage, or a wider package?
- How much money have you prepaid for your trip?
- Are you travelling with seniors, children, or visitors to Canada?
- How important is protection for baggage and delays for this trip?
Common questions about all-inclusive travel insurance
Is an all-inclusive plan always the best choice?
Not always. Some travellers only want emergency medical coverage, while others only want cancellation and interruption protection. An all-inclusive plan can be convenient, but it may cost more than a single type of coverage. The “best” choice depends on your budget, travel style, and comfort level with risk.
Can I adjust the limits inside an all-inclusive plan?
This depends on the insurance company and the plan you choose. Some packages have fixed limits, while others may offer different options for maximum coverage amounts. The policy wording will explain what is available.
Does an all-inclusive plan cover every possible problem?
No. Even all-inclusive plans have lists of covered events and exclusions. There are always situations that are not covered. Reading the policy and asking questions before you buy is very important.
Is this page legal or financial advice?
No. This information is general only. Actual coverage depends on the specific insurance policy you choose, your answers on the application, and the rules of the insurance company. Please speak directly with the insurer or a licensed insurance advisor for detailed advice.