Trip Cancellation and Interruption Insurance
You carefully save for flights, hotels, and tours. Then something serious happens and you cannot travel as planned. Trip cancellation and interruption insurance is designed to help protect your prepaid, non-refundable costs when covered events force you to cancel before you go or cut your trip short.
We help Canadian travellers and Filipino-Canadian families understand the basic differences between cancellation and interruption coverage, and how these benefits can work with your airline tickets, bus tours, and Europe trips.
What cancellation and interruption coverage can include
- Reimbursement of prepaid, non-refundable trip costs when you cancel for a covered reason
- Extra costs to return home early when a covered interruption happens during your trip
- Help with unused portions of your trip, such as hotel nights or tours you cannot join
- Support if serious illness, injury, or other covered situations affect your plans
Each insurance company has its own list of covered reasons and exclusions. Always read your policy or speak with a licensed advisor to confirm what is and is not included.
Understanding cancellation vs interruption
While details differ by policy, here is a simple way to think about these two parts of coverage:
- Trip cancellation usually applies before your departure date. It may help if you have to cancel your trip completely for a covered reason.
- Trip interruption usually applies after your trip has started. It may help if you must come home early, stay longer, or miss part of your itinerary for a covered reason.
We often suggest travellers think about how much money they have already paid for flights, hotels, tours, and transfers. The more you have prepaid, the more important it is to understand how cancellation and interruption coverage can help protect those amounts.
Get simple reminders about trip protection
Join our email list for easy-to-read reminders about trip cancellation and interruption coverage, plus updates on our group tours and airfare tips for Filipino-Canadian travellers.
Good times to review this coverage
- When you are booking non-refundable airline tickets or tour packages
- When your trip includes several flights, hotels, or cruise segments
- When you are travelling with seniors or family members with health concerns
- When work, school, or family responsibilities could suddenly change
Common questions about trip cancellation and interruption
What kind of reasons are usually covered?
Each policy has its own list, but examples can include certain unexpected illnesses or injuries, serious events affecting your home, or other sudden situations described in the policy. Some plans may also include coverage if a travelling companion or close family member is affected. The exact list is always found in the policy wording.
Do I have to buy this the same day I book my trip?
Some plans ask you to purchase coverage within a certain number of days after you first pay for your trip, especially if you want access to certain optional benefits. Others may allow you to buy later, but often before any new situation appears. We suggest contacting us soon after you book so we can review the timing rules together.
Does this cover every possible reason to cancel?
No. Trip cancellation and interruption plans only cover the reasons listed in the policy. Many common situations people worry about may not be covered. This is why it is important to read the policy and ask questions if anything is not clear.
Is this page legal or financial advice?
No. This page is for general information only. Coverage always depends on your specific policy, the answers on your application, and the rules of the insurance company. For detailed questions about coverage, please speak directly with the insurer or a licensed insurance advisor.