Explore Our Coverage

For Canadian Residents

Baggage

Imagine arriving at your destination only to discover that your suitcase is missing. This coverage provides up to $1,500 per insured person, per trip, in event of delay, loss, theft, or damage to your luggage, helping you enjoy your trip despite these inconveniences.

What’s Covered
What’s Not Covered?

Baggage coverage provides up to $1,500 per insured person in the following situations:

  • Stolen, lost or damaged baggage: Receive up to $1,500 to repair or replace items.
  • Delayed checked baggage: Get up to $500 for essential items (such as toiletries and clothing) and sports equipment rental.
  • Replacement of lost or stolen official documents: Receive up to $250 to replace your passport, driver’s licence, birth certificate, and/or visa.

Please note that a maximum refund per item or category of items applies. Check your insurance policy for full details.

Baggage coverage does not include losses or situations such as: 

  • Loss or damage related to certain personal items (e.g., cash, glasses and contact lenses, medication, cosmetics, prostheses, and orthoses)
  • Breakage of fragile or breakable items
  • Act of war and civil unrest
  • Theft without signs of forced entry into a vehicle (please note that thefts with visible signs of burglary are covered)
  • Neglect, recklessness or disappearance (not classified as theft)

Other exclusions may apply. Please review your travel insurance policy for full details.

This coverage is intended for Canadian residents who are covered by a provincial health insurance plan.

If you are a visitor to Canada, or if you are not covered by a provincial health insurance plan, please visit the Visitors to Canada page.

Why You Need Travel Insurance in Canada

Did you know that travel insurance is essential when visiting another province to protect against unexpected expenses? 

Your provincial health plan may not cover all medical expenses outside your province of residence, including ambulance transportation, emergency repatriation, and prescription drugs. Some services are only partially reimbursed.  

Our customizable travel insurance includes all this plus 24/7 travel assistance and Flight Delay Service

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