Is Cooperators Travel Insurance worth it? Review 2023
Travelling can be an exhilarating experience, but it also comes with its fair share of uncertainties that can lead to heavy financial burden. That's where travel insurance comes into play.
While you're looking at the many providers out there, Co-operators Travel Insurance is one you could consider. But is it the right fit for you?
In this review, we take you through what Co-operators Travel Insurance covers, its pros and cons, the premiums, and everything else you need to know to decide if this is the best policy for you. You can also compare and get free quotes from the best travel insurances in Canada using our comparator.
Cooperators Travel Insurance: 5 Key Takeaways
- Offers a wide range of coverage: emergency medical coverage, trip cancellation/interruption, lost baggage and more.
- The plan is available to Canadian residents and visitors to Canada.
- Cost of Cooperators travel insurance varies depending on age, health, length and destination of trip, and more.
- Average premiums for young healthy adults in 30s is $100 per month.
- Compare and get quotes from multiple travel insurances using HelloSafe comparator.
Our review of Cooperators travel insurance
The Co-operators travel insurance offers comprehensive travel insurance plan for Canadians that can help protect you against financial losses that may occur while you are travelling. The plans cover a wide range of risks, including medical expenses, trip cancellation or interruption, lost or delayed baggage and more.
Cooperators travel insurance is a perfect fit for individuals valuing convenience, as policies can be easily acquired online or through agents. With options like Snowbird and ContinYou® GOLDEN coverage tailored to unique needs of older travellers, seniors seeking well-rounded protection for medical emergencies, trip disruptions, and more will find this insurance valuable.
However, those seeking budget-friendly options might find Cooperators travel insurance premiums comparatively high. Additionally, travellers engaging in high-risk activities or having pre-existing medical conditions should carefully review exclusions to ensure alignment with their needs. Here are some of the pros and cons of the plan:
- Offers a wide range of coverage options, including emergency medical coverage
- Can be purchased online or through a Co-operators agent — quick and easy
- Cooperators travel insurance reviews from customers are positive for customer service experience
- Premiums for Co-operators travel insurance can be high
- Deductibles may apply
- Co-operators travel insurance does not cover all travel risks
What does the Cooperators travel insurance cover?
Co-operators travel insurance is available to Canadian residents and visitors to Canada. You can buy this plan online or through a Co-operators agent. Here are some of the features of Co-operators travel insurance:
- Emergency medical coverage: This provides coverage for medical expenses incurred while you are travelling, even if you are injured or become ill outside of your home province or territory.
- Trip cancellation or interruption coverage: This coverage can help reimburse you for non-refundable travel expenses if your trip is cancelled or interrupted due to a covered reason, such as a medical emergency, a natural disaster, or a terrorist attack.
- Lost or delayed baggage coverage: This coverage can help reimburse you for the cost of replacing lost or delayed baggage.
- Flight accident coverage: This coverage can help pay for death or dismemberment benefits if you are involved in a covered flight accident.
- Accidental death and dismemberment coverage: This coverage can help pay a lump sum benefit to your beneficiaries if you are killed or dismembered in a covered accident.
Based on your policy, other coverage options may also be available, such as pre-existing medical conditions coverage or sports and activities insurance.
If you'd like to view and compare the coverages of the best travel insurances in Canada, all you need to do is use our comparator below. It's free to use and gets you tailor-made quotes in no time.
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What does Cooperators travel insurance not cover?
Read your policy carefully before you travel to understand what is covered and what is not. Here are some of the main exclusions of the cooperators travel insurance plans:
- Pre-existing medical conditions: If you have a pre-existing medical condition, you may not be covered for any medical expenses that are related to that condition. You may be able to purchase additional coverage for pre-existing medical conditions, but this will typically increase your premium.
- War, terrorism and civil unrest: If you travel to a country that is experiencing war, terrorism, or civil unrest, you may not be covered for any losses that are caused by these events.
- Participation in dangerous activities: If you participate in any dangerous activities, such as skydiving, scuba diving, or bungee jumping, you may not be covered for any injuries or losses that are sustained while you are participating in these activities.
- Consumption of alcohol or drugs: If you are injured or become ill while you are under the influence of alcohol or drugs, you may not be covered for any medical expenses.
- Fraud or misrepresentation: If you intentionally lie or mislead Co-operators about your health, travel plans, or other information, you may not be covered for any claims.
Types of Cooperators travel insurance
The cooperators travel insurance offers five types of travel plans under the following categories:
- Canadian residents
- Long-term visitors to Canada
- Visitors to Canada
- International students to Canada
- Canadian expatriates
Co-operators travel insurance for Canadian residents
This plan from the cooperators travel insurance covers emergency medical expenses incurred while you are travelling outside of Canada and non-refundable travel expenses if your trip is cancelled or interrupted due to a covered reason, such as a medical emergency, a natural disaster, or a terrorist attack.
It also offers coverage for lost or delayed baggage, flight accident, accidental death and dismemberment insurance. This plan covers a lump sum benefit to your beneficiaries if you are killed or dismembered in a covered accident.
Co-operators travel insurance for long-term visitors to Canada
This plan covers emergency medical expenses incurred while you are visiting Canada on a Super Visa. A Super Visa is a multiple-entry visa that allows parents and grandparents of Canadian citizens and permanent residents to stay in Canada for up to 2 years at a time.
Co-operators travel insurance for visitors to Canada
This plan covers emergency medical expenses incurred while you are visiting Canada. It also covers non-refundable travel expenses if your trip is cancelled or interrupted due to a covered reason, such as a medical emergency, a natural disaster, or a terrorist attack. With visitors to Canada insurance, you can even get the cost of replacing lost or delayed baggage.
Co-operators travel insurance for international students to Canada
This plan covers emergency medical expenses incurred while you are studying in Canada. It also covers trip cancellation or interruption insurance, lost or delayed baggage insurance and flight accident insurance.
Co-operators travel insurance for Canadian expats
This plan covers emergency medical expenses incurred while you are living and working outside of Canada. It also covers trip cancellation or interruption insurance, lost or delayed baggage insurance and flight accident insurance.
How much does Cooperators travel insurance cost?
The cost of Co-operators travel insurance will vary depending on a number of factors, including:
- The plan that you choose
- Your age
- Your health
- The length and destination of your trip
- The coverage that you select
For example, a 30-year-old person who is travelling to the United States for a week and who selects the basic plan with no additional coverage may pay around $100 for a travel insurance policy.
However, a 60-year-old person who is travelling to Europe for two weeks and who selects the premium plan with all of the available coverage may pay around $500 for a travel insurance policy.
|Traveller||Age||Destination||Duration||Plan||Additional coverage||Estimated cost|
|Person 1||30||United States||1 week||Basic||None||$100|
|Person 2||60||Europe||2 weeks||Premium||All available||$500|
We recommend that you compare the premiums of other travel insurances and what they offer to make the best decision for your unique needs. You can simply use our comparator to compare plans, coverage, and even get free personalised quotes from the best travel insurances in Canada.
Compare the best travel insurance plans on the market!
How is Cooperators travel insurance for seniors?
Co-operators offers a variety of travel insurance plans for seniors, including:
- Emergency medical insurance
- Trip cancellation or interruption insurance
- Lost or delayed baggage insurance
- Flight accident insurance
- Accidental death and dismemberment insurance
In addition to these standard plans, Co-operators also offers a number of specialized travel insurance plans for seniors, such as:
- Snowbird travel insurance: This plan is designed for seniors who are travelling to warm-weather destinations during the winter months. Snowbird travel insurance plans typically include coverage for emergency medical expenses, trip cancellation or interruption, lost or delayed baggage and flight accident insurance.
- ContinYou® GOLDEN travel insurance: This plan is designed for seniors who are 60 years of age or older. It includes coverage for emergency medical expenses, trip cancellation or interruption, lost or delayed baggage, flight accident insurance and accidental death and dismemberment insurance.
The cost of Co-operators travel insurance for seniors will vary depending on the plan that you choose, your age, your health and the length and destination of your trip.
How to buy Cooperators travel insurance?
- Visit the Co-operators website or contact a Cooperator's agent to get a personalised quote.
- Select the plan that best suits your needs.
- Provide your personal information and travel details.
- Pay the premium.
- Once your policy is issued, you will receive a confirmation email with your policy details.
How to get a good deal on Cooperators travel insurance?
Here are some additional tips for getting a good deal on Cooperators travel insurance:
- Book your travel insurance early: The earlier you buy your travel insurance, the more likely you are to get a good price.
- Travel during the shoulder seasons: travel insurance is typically more expensive during peak travel times, such as the summer months and holidays.
- Consider a shorter trip: travel insurance is typically less expensive for shorter trips.
- Choose a basic plan: Basic travel insurance plans typically offer the most basic coverage and are the least expensive.
- Don't add on unnecessary coverage: Only add on coverage that you are actually likely to need.
- Shop around: Get quotes from a few different travel insurance companies to compare prices.
How to file a claim for Cooperators travel insurance?
Use the Allianz Global Assistance Online Claims Portal, a secure portal that offers a seamless and efficient process while ensuring you're kept informed at every stage of your claims process. Here’s a link to the portal: https://www.allianzassistanceclaims.ca/login.
Here’s how it works:
- Easily establish a secure account to submit a new claim and monitor its progress.
- Upload all necessary documents needed for your claim.
- Quickly identify any overlooked documents and include them in your claim submission.
- Safeguard and revisit a claim that you've begun but haven't submitted yet.
If you have any inquiries regarding claim submission and prefer to converse with one of the Co-operators’ claims representatives, you can call on the following numbers:
- Worldwide (Collect): 416-340-8809
- Toll-Free (Canada/USA): 1-800-869-6747
How to contact Cooperators travel insurance for medical emergency?
Co-operators offers emergency medical travel assistance around the clock. You can call any of the following numbers to get in touch with the team:
- Toll-free within Canada/USA: 1-800-995-1662
- Collect worldwide: 416-340-0049
- Toll-free international: 800-842-08420 or 00-800-842-08420 (if not available, please call collect).