Is Air Canada travel insurance worth it? 2024 Review

Air Canada travel insurance is offered in partnership with trusted names like Allianz Global Assistance and Manulife, making it a reliable choice to make sure you travel without any hassle.

But is it worth your money? What does it cover? How much does it cost? What are its pros and cons? Most importantly, is it the right fit for you? Find all this and more in our comprehensive Air Canada travel insurance review.

You can also compare plans from different travel insurances and get personalized quotes for free using our comparator.

Our 2024 review of Air Canada travel insurance

Air Canada Travel Insurance, provided in partnership with Allianz Global Assistance and Manulife, offers comprehensive and robust coverage options for various travel-related risks.

Thanks to its collaboration with Allianz and Manulife, there is a wide range of coverage, suitable for various types of travellers, including Canadians, visitors to Canada, and students. With Manulife travel insurance, Air Canada travellers can get emergency medical care up to $10 million, including emergency medical expenses related to COVID-19. Among all the providers we reviewed, this is one of the highest coverages on the market, more than other reputed offers like CAA travel insurance ($5 million).

Key benefits also include accommodation and meals due to disruptions/delays, and 24/7 assistance worldwide, ensuring that you receive support wherever you are. These plans cover trip cancellation and interruption, baggage loss, and travel accidents, making them a reliable option for those seeking comprehensive protection.

Additionally, Air Canada’s insurance plans can be conveniently added to a flight booking up to 48 hours before departure, providing flexibility for last-minute travellers. Despite these advantages, the plans tend to be more expensive compared to other travel insurance options, and the claims process can be complex and time-consuming. This might be a consideration for budget-conscious travellers or those looking for a more straightforward claims experience.

So, is Air Canada travel insurance worth it? In summary, Air Canada travel insurance is a great option for those prioritizing comprehensive coverage and don't mind shelling out the extra buck for valuable protection. However, it might not be ideal for budget-conscious travellers due to potentially higher premiums and a complex claims process.

Air Canada offers travel insurance via our partners Manulife and Allianz. You can get a free quote in seconds using our partner link below.

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What does Allianz-Air Canada travel insurance cover? 

Air Canada offers travel insurance through Allianz Global Assistance which includes a range of plans to suit different needs, providing comprehensive coverage for various travel-related risks.

Key Highlights of Allianz Global Assistance Travel Insurance Plans

Plan Type	Key Coverage
Classic Emergency Medical Plan	Emergency Medical: $5,000,000 Emergency Medical Transportation Accommodations & Meals 24-Hour Assistance
Trip Cancellation & Interruption Plan	Trip Cancellation: Insured trip cost Trip Interruption: $10,000 Trip Delay: $150/day - Max. 2 days 24-Hour Assistance
Non-Medical Package	Trip Cancellation: Insured trip cost Trip Interruption: $10,000 Trip Delay: $300/day - Max. 2 days Baggage Coverage: $1,000 Travel Accident: $50,000
Deluxe Package	Emergency Medical: $5,000,000 Trip Cancellation: Insured trip cost Trip Interruption: $10,000 Baggage Coverage: $1,000 Travel Accident: $50,000
Deluxe Package with COVID-19 Coverage	Emergency Medical: $5,000,000 COVID-19 Medical: $1,000,000 Trip Cancellation: Insured trip cost Trip Delay for COVID-19 Quarantine: $150/day - Max. $2,100

Below are the details of what each plan covers.

Classic Emergency Medical Plan

This Air Canada travel insurance classic medical plan is for those who want coverage specifically for emergency medical situations during their travel and don't require trip cancellation/interruption protection.

• Emergency Medical: $5,000,000
• Emergency Medical Transportation: Included in overall policy maximum
• Accommodations & Meals: $150/day – Max. 10 days
• Repatriation of Remains: $5,000
• Vehicle Return: $2,000
• 24-Hour Assistance: Included
• Emergency Medical for COVID-19: Up to the emergency medical maximum amount
• Eligibility: Canadian residents insured under a government health insurance plan
• Medical Underwriting: Required for travelers aged 65-84

Trip Cancellation & Interruption Plan

• Trip Cancellation: Insured trip cost
• Trip Interruption: $10,000
• Trip Delay: $150/day - Max. 2 days
• 24-Hour Assistance: Included
• Eligibility: Canadian residents
• COVID-19 Coverage: Not covered if there is a Government of Canada travel advisory for the destination

Non-Medical Package

• Trip Cancellation: Insured trip cost
• Trip Interruption: $10,000
• Trip Delay: $300/day - Max. 2 days
• Baggage Coverage: $1,000
• Baggage Delay: $200
• Travel Accident: $50,000
• Flight Accident: $100,000
• 24-Hour Assistance: Included
• Eligibility: Canadian residents
• COVID-19 Coverage: Not covered if there is a Government of Canada travel advisory for the destination

Deluxe Package

This Air Canada travel insurance deluxe package is for those who want comprehensive all-around medical and travel interruption/cancellation protection.

• Emergency Medical: $5,000,000
• Emergency Medical Transportation: Included in overall policy maximum
• Accommodations & Meals: $150/day – Max. 10 days
• Repatriation of Remains: $5,000
• Vehicle Return: $2,000
• 24-Hour Assistance: Included
• Trip Cancellation: Insured trip cost
• Trip Interruption: $10,000
• Trip Delay: $300/day - Max. 2 days
• Baggage Coverage: $1,000
• Baggage Delay: $200
• Travel Accident: $50,000
• Flight Accident: $100,000
• Emergency Medical for COVID-19: Up to the emergency medical maximum amount
• Trip Interruption for COVID-19: Included in the trip interruption maximum amount
• Trip Delay for COVID-19 Quarantine: Included in the trip delay maximum amount
• Eligibility: Canadian residents insured under a government health insurance plan
• Medical Underwriting: Required for travelers aged 75-84

Deluxe Package with COVID-19 Coverage

• Emergency Medical: $5,000,000
• Emergency Medical Transportation: Included in overall policy maximum
• Accommodations & Meals: $150/day – Max. 10 days
• Repatriation of Remains: $5,000
• Vehicle Return: $2,000
• 24-Hour Assistance: Included
• Trip Cancellation: Insured trip cost
• Trip Interruption: $10,000
• Trip Delay: $300/day - Max. 2 days
• Baggage Coverage: $1,000
• Baggage Delay: $200
• Travel Accident: $50,000
• Flight Accident: $100,000
• Emergency Medical for COVID-19: $1,000,000
• Trip Interruption for COVID-19: Not included
• Trip Delay for COVID-19 Quarantine: $150/day - Max. $2,100
• Eligibility: Canadian residents insured under a government health insurance plan
• Medical Underwriting: Required for travelers aged 75-84

Here are more details about Allianz travel insurance coverage and exclusions in our comprehensive Allianz travel insurance review.  These plans are available for all Air Canada flights, as well as for travel booked through Air Canada Vacations.

You can get a free quote from Allianz using our partner link. Get instant results for free.

We recommend that you compare multiple providers before making a final decision. You could use our comparator below to compare coverage, and plans, and even get free personalized quotes from Canada's best travel insurance.

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What does Manulife-Air Canada travel insurance cover?

For Air Canada travellers, Manulife offers a variety of travel insurance plans to cater to different traveller needs, including comprehensive coverage for emergencies, trip cancellations, and COVID-19-related expenses. Their plans are designed to provide peace of mind with extensive benefits such as medical concierge services and 24/7 assistance worldwide. Below is a summary of the key features of each plan.

Manulife Travel Insurance Single-Trip Plans

Emergency Medical Plan

• Emergency Medical Coverage: Up to $10 million for emergency medical care including physician services, ambulance services, semi-private hospital accommodation, diagnostic tests, and treatment by registered specialists/therapists.
• COVID-19 Coverage: Included in the $10 million coverage.
• Emergency Dental: Up to $300 for pain relief and $3,000 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,800/trip.
• Hospital Allowance: $50/day, up to $500.
• Medical Devices: Up to $200 for replacement of lost or broken eyeglasses or hearing aids.

TravelEase Plan

• Emergency Medical Coverage: Up to $10 million, including coverage for pre-existing conditions approved through medical underwriting.
• COVID-19 Coverage: Included in the $10 million coverage.
• Emergency Dental: Up to $300 for pain relief and $3,000 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,000/trip.
• Hospital Allowance: Not covered.
• Medical Devices: Not covered.

COVID-19 Pandemic Travel Plan

• Emergency Medical Coverage: Up to $5 million if vaccinated; up to $1 million for COVID-19-related medical costs if not vaccinated.
• Emergency Dental: Up to $300 for pain relief and $3,000 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,800/trip.
• Hospital Allowance: $50/day, up to $300.
• Medical Devices: Not covered.

Multi-Trip Plans

Manulife Multi-Trip Emergency Medical

• Emergency Medical Coverage: Up to $10 million per trip.
• COVID-19 Coverage: Included in the $10 million coverage.
• Emergency Dental: Up to $300 for pain relief and $3,000 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,800/trip.

Multi-Trip TravelEase

• Emergency Medical Coverage: Up to $10 million per trip, including coverage for pre-existing conditions.
• COVID-19 Coverage: Included in the $10 million coverage.
• Emergency Dental: Up to $300 for pain relief and $3,000 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,000/trip.

Multi-Trip All-Inclusive

• Emergency Medical Coverage: Up to $10 million per trip.
• COVID-19 Coverage: Included in the $10 million coverage.
• Trip Cancellation and Interruption: Up to $10,000/year.
• Emergency Dental: Up to $300 for pain relief and $3,000 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,800/trip.
• Baggage Coverage: Up to $1,500.

All-Inclusive Plans

Youth All-Inclusive

• Emergency Medical Coverage: Up to $1 million.
• COVID-19 Coverage: Included in the $1 million coverage.
• Trip Cancellation and Interruption: Up to $5,000 for trip cancellation.
• Emergency Dental: Up to $300 for pain relief and $1,500 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,800/trip.
• Baggage Coverage: Up to $500.

Youth Deluxe All-Inclusive

• Emergency Medical Coverage: Up to $5 million.
• COVID-19 Coverage: Included in the $5 million coverage.
• Trip Cancellation and Interruption: Up to $10,000 for trip cancellation.
• Emergency Dental: Up to $300 for pain relief and $1,500 for accidental dental.
• Quarantine Expenses: Up to $200/day per person, up to $2,800/trip.
• Baggage Coverage: Up to $1,000.

For more detailed information, please refer to the official Manulife policy documents provided in the PDFs below.

What is the cost of Air Canada travel insurance?

The cost of travel insurance from Manulife and Allianz in partnership with Air Canada can vary depending on several factors, including:

• The level of coverage you choose
• Your age
• Your destination
• The length of your trip
• The time of year you travel

Air Canada Travel Insurance Cost - Allianz Global Assistance

Here is an Air Canada Travel Insurance quote from Allianz. The prices are for a 40-year-old for a 14-day trip. We obtained the quote online on July 26, 2024, and it took us less than a minute.

Plan Type	Cost (Traveller 1 - Age 40)	Tax	Total Price
Classic Emergency Medical Plan	$72.75	$0.00	$72.75
Trip Cancellation & Interruption Plan	$295.00	$23.60	$318.60
Non-Medical Package Plan	$325.00	$26.00	$351.00
Deluxe Package Plan	$397.75	$31.82	$429.57
Deluxe Package Plan with COVID-19 Coverage	$445.90	$35.67	$481.57

• The trip cost for the above trip is $5,000
• The quote is for a 40-year-old from Ontario
• Trip length: 14 days

Air Canada Travel Insurance Cost - Manulife

Here is an Air Canada Travel Insurance quote from Manulife.

Traveler Profile	Manulife Travel Insurance Cost
49-year-old to the USA / All Risks Plan / Single Trip	$206
49-year-old to the USA / Medical Coverage / Single Trip	$51
49-year-old to the USA / Medical + $1,000 Cancellation / Single Trip	$103.55
Student in Ontario	$194.40
70-year-old to Florida for 4 months / All Risks Plan / Single Trip	$1,759.09

Please note that the estimated costs are based on the information provided and may vary depending on the specific insurance company, coverage options and other factors.

If you'd like to compare the premiums from other travel insurance providers, you can use our comparator below. It's free to use and lets you get personalized quotes from the best travel insurance in no time.

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Air Canada Travel Insurance Covid 19 Coverage

With Air Canada, you get coverage for travel emergencies related to COVID-19. Here's a quick roundup of what's offered.

• Emergency Medical Coverage: Up to CAD 5 million for COVID-19-related medical expenses. Unvaccinated travellers receive up to CAD 1 million
• Quarantine Expenses: Up to $500 for airfare and up to $2,800 for hotel and meal expenses if quarantine is required during the trip​
• Trip Cancellation and Interruption: Coverage if you test positive for COVID-19 before departure or if your trip is interrupted due to COVID-19 during travel​
• 24/7 Travel Assistance: Access to global emergency care and StandbyMD™ services for immediate medical consultations

How to add travel insurance after booking an Air Canada flight?

You can add travel insurance after booking a flight with Air Canada through Manulife. Here are the steps on how to do it:

1. Go to the Air Canada website and log in to your account.
2. Click on the "My Trips" tab.
3. Select the trip to which you want to add travel insurance.
4. Click on the "Add Travel Insurance" button.
5. Choose the travel insurance plan that you want to purchase.
6. Enter your personal information and payment details.
7. Click on the "Purchase Travel Insurance" button.

You can also add travel insurance by calling Air Canada customer service at 1-888-247-2262.

Here are some important things to keep in mind when adding travel insurance after booking a flight with Air Canada:

• You can add travel insurance up to 48 hours before your departure date.
• The cost of travel insurance will vary depending on the level of coverage you choose and your age.
• You must purchase travel insurance before you travel.
• There are some exclusions from coverage, such as pre-existing medical conditions and war.

How to contact Air Canada for travel insurance? 

You can call Air Canada's customer service at 1-888-247-2262. But for any query related to travel insurance, you will most likely have to get in touch with the respective company that you got the insurance from — Allianz or Manulife.

If you bought your travel insurance from Manulife, you can use these numbers:

• Call 1-877-878-0142 for emergency assistance.
• Call 1-800-268-3763 for other support.

When it comes to Allianz, you can reach the team through their TravelSmart app. Or you can call on these numbers:

• 1-800-654-1908 if you’re in the United States, Canada, Puerto Rico and the U.S. Virgin Islands.
• 1-804-281-5700 if you are located elsewhere.