Trip Cancellation & Trip Interruption Travel Insurance

You've spent time researching your trip. You've found the perfect one. You've paid for it. And then something unexpected happens and you need to cancel, return early, or stay longer than planned. Our CoverMe® Trip Cancellation and Trip Interruption Plan covers up to the amount you insured before your departure date.

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Medical emergencies affecting you and your immediate family aren't the only thing that can change your travel plans, so we offer protection for a range of risks.

See the policy for detailed information on benefits, limitations and exclusions.

Key benefits

  • Trip cancellation and interruption insurance, up to the amount you insured
  • Up to $1,700 for misconnection and travel disruption benefits
  • Up to $1,500 for delayed return insurance
  • Default protection


  • Canadian resident, or
  • Anyone travelling through Canada
  • Click "View More" to see what conditions make you ineligible for coverage.


Covered events for trip cancellation and trip interruption:

  • Medical events
  • Pregnancy and adoption events
  • Work and education obligations
  • Government and legal events
  • Accommodations and transportation events
  • Forces of nature

Additional coverage

Coverage for:

  • Missed connections
  • Delayed return
  • Default protection


Trip interruption and cancellation exclusions for pre-existing medical conditions vary by coverage amount. Click "View More" for more details.



Cancel for any reason (CFAR) rider

Our cancel for any reason rider allows you to request reimbursement for up to 50% of the pre-paid portion of your trip that is non-refundable. It is an add-on for events not covered under your current policy.

The CFAR rider must be purchased within 7 days of booking your trip and you can cancel for any reason up to 10 days or more before your departure date.

Carry your policy everywhere you travel

Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide assistance if you need to cancel or interrupt your trip.

Does this policy seem like a good match for your needs?

These plans may also work well for you

Single-Trip All-Inclusive Plan

Get trip cancellation and trip interruption insurance plus:

  • Emergency medical benefits 
  • Baggage loss, damage or delay
  • Flight accident and travel accident insurance

Single-Trip Emergency Medical Plan

Add up to $10 million in emergency medical benefits in case you get sick or hurt while you're away.

Multi-Trip Emergency Medical Plan

Get only emergency medical benefits, without  trip cancellation, interruption, baggage and travel accident insurance.

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Top 5 questions about travel insurance

When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.

We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe® Travel Insurance's terms and conditions.

For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:

  • No event that has resulted or may result in a claim against the policy, and
  • No change in your health status

You must call 1-800-268-3763 before your coverage expires and pay the appropriate premium.

For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-800-268-3763 and we will do our best to help you.

Manulife CoverMe’s All-Inclusive Plan (Single-Trip or Multi-Trip), Non-Medical Inclusive Plan, Youth All-Inclusive Plan, and Youth Deluxe Plan contains Baggage Loss, Damage & Delay insurance. There are benefits available in the event of baggage theft or lost/stolen travel documentation (passport, driver’s license, visa). It is important in these instances to be prudent and report any losses to the authorities so full documentation of the situation is recorded. Conditions, limitations, exclusions apply, please see the policy for full details.

Any plan containing Trip Cancellation and Interruption insurance contains benefits for misconnection and travel disruptions resulting from common carrier schedule changes.

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