Is Air Canada travel insurance worth it? 2023 Review
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Are you about to plan your holidays and haven't gotten travel insurance yet? Then maybe give Air Canada travel insurance a shot. Yes, you heard that right, Air Canada offers travel insurance in partnership with trusted names like Allianz Global Assistance and Manulife, making it a reliable policy option.
But is it worth your money? What does it cover? 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 personalised quotes for free using our comparator.
Air Canada Travel Insurance: 5 Key Takeaways
- Air Canada travel insurance offers a variety of plans to choose from.
- It offers travel insurance in partnership with Allianz and Manulife.
- The cost of travel insurance can vary depending on the level of coverage, age and destination.
- Buy travel insurance before you travel since some events are not covered if you purchase insurance after booking your trip.
- You can add travel insurance after booking a flight with Air Canada — within 48 hours of your departure date.
- Compare plans from multiple providers and get quotes using our free comparator.
Our 2023 review of Air Canada travel insurance
Air Canada travel insurance is a type of insurance that can help protect you financially in the event of unforeseen events that may impact your travel plans. It can cover a range of events, such as trip cancellation, trip interruption, lost or delayed luggage, medical expenses and emergency evacuation.
It offers travel insurance in partnership with Allianz and Manulife — we will discuss both of these in detail. Best for those seeking peace of mind and emergency assistance, it suits various travellers, families, and groups.
It's a great option for those prioritising 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.
Pros:
- Variety of plans to choose from
- Provides 24/7 assistance
- Coverage extends up to a year for extended trips
Cons:
- Can be expensive compared to other options
- You may have to pay a deductible
- Claims process can be complicated
What does Allianz-Air Canada travel insurance cover?
Air Canada offers two travel insurance plans through Allianz Global Assistance:
- CareFree Plan covers trip cancellation or interruption, lost or delayed luggage, and medical expenses up to $150,000. It also includes additional benefits, such as 24/7 emergency assistance and trip delay reimbursement.
- CareFlex Plan is a more comprehensive plan that covers all of the benefits of the CareFree Plan, plus additional coverage for things like trip cancellation due to a pre-existing medical condition, travel delays due to weather and lost or stolen passports.
Here's a table summarizing the two travel insurance plans offered by Air Canada through Allianz Global Assistance:
| Plan | Coverage | Benefits |
|---|---|---|
| CareFree Plan | Trip cancellation or interruption Lost or delayed luggage Medical expenses up to $150,000 24/7 emergency assistance Trip delay reimbursement | This plan provides basic coverage for common travel issues such as trip disruptions, medical emergencies and luggage problems. |
| CareFlex Plan | All benefits of the CareFree Plan Trip cancellation due to pre-existing medical conditions Travel delays due to weather Lost or stolen passports | This comprehensive plan includes additional coverage for specific situations like pre-existing medical conditions, weather-related travel delays and passport-related issues. |
Both plans can be purchased online or by calling Allianz Global Assistance. They are available for all Air Canada flights, as well as for travel booked through Air Canada Vacations. Here are more details about Allianz travel insurance coverage and exclusions.
We recommend that you compare multiple providers before making a final decision. You could use our comparator below to compare coverage, plans, and even get free personalised quotes from Canada's best travel insurance.
Compare the best travel insurance plans on the market!
What does Manulife-Air Canada travel insurance cover?
Air Canada and Manulife have partnered to offer travel insurance to Air Canada customers. The partnership provides customers with access to a variety of travel insurance plans, including:
- CareFree Plan: This plan covers trip cancellation or interruption, lost or delayed luggage and medical expenses up to $150,000. It also includes a few additional benefits, such as 24/7 emergency assistance and trip delay reimbursement.
- CareFlex Plan: This plan is a more comprehensive plan that covers all of the benefits of the CareFree Plan, plus additional coverage for things like trip cancellation due to a pre-existing medical condition, travel delays due to weather and lost or stolen passports.
- COVID-19 Pandemic Travel Plan: This plan provides coverage for COVID-19-related expenses, such as medical care, quarantine and travel cancellation.
Here's a table summarizing the travel insurance plans offered through the partnership between Air Canada and Manulife:
| Plan | Coverage | Benefits |
|---|---|---|
| CareFree Plan | Trip cancellation or interruption Lost or delayed luggage Medical expenses up to $150,000 24/7 emergency assistance Trip delay reimbursement | Basic coverage for common travel issues including trip disruptions, medical emergencies and luggage problems. |
| CareFlex Plan | All benefits of the CareFree Plan Trip cancellation due to pre-existing medical conditions Travel delays due to weather Lost or stolen passports | Comprehensive coverage, including pre-existing medical condition coverage, weather-related delays and passport-related issues. |
| COVID-19 Pandemic Travel Plan | Coverage for COVID-19-related expenses Specific to COVID-19 pandemic-related issues | This plan addresses the unique challenges posed by the COVID-19 pandemic, offering coverage for medical care, quarantine and more. |
The Air Canada travel insurance plans offered by Manulife are available to all Air Canada customers, regardless of where they live. The plans can be purchased online or by calling Manulife. Here are more details about Manulife travel insurance coverage and exclusions.
How to add travel insurance after booking 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:
- Go to the Air Canada website and log in to your account.
- Click on the "My Trips" tab.
- Select the trip that you want to add travel insurance.
- Click on the "Add Travel Insurance" button.
- Choose the travel insurance plan that you want to purchase.
- Enter your personal information and payment details.
- 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.
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 a number of factors, including:
- The level of coverage you choose
- Your age
- Your destination
- The length of your trip
- The time of year you travel
For example
For example, a single 25-year-old traveller who purchases the CareFree Plan for a 7-day trip to Mexico in January might pay around $50. However, a family of four who purchases the CareFlex Plan for a 14-day trip to Europe in July might pay around $300.
| Traveller(s) | Plan | Trip Details | Estimated Cost |
|---|---|---|---|
| Single, 25-year-old | CareFree Plan | 7-day trip to Mexico in January | $50 |
| Family of four | CareFlex Plan | 14-day trip to Europe in July | $300 |
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 personalised quotes from the best travel insurances in no time.
Compare the best travel insurance plans on the market!
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.
