How Good is Intact Travel Insurance: Review 2025

Our expert’s opinion on Intact

Last update: July 18, 2025

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In partnership with our provider

4.2

Score

4.2

Score

A. FruchardInsurance expert

Intact’s travel insurance offering in Canada, anchored by its TravelWell® plans, provides strong, comprehensive protection through both Emergency Medical and All-Inclusive options, appealing for their high $5,000,000 medical coverage limit and annual multi-trip flexibility.
Coverage includes robust assistance services, competitive payout guarantees, family inclusion, and 24/7 app-enabled claims submission, with low or unspecified deductibles and annual pricing that supports premium flexibility via bundling with home or auto insurance.
Intact holds a strategic position among Canadian leaders like Manulife and Allianz, capitalizing on seamless digital service and annual coverage flexibility rather than low-cost pricing, making it compelling for families, frequent travelers, and risk-averse clients.
Backed by North America’s largest P&C insurer, Intact Financial Corporation reported $21.6 billion CAD in direct premiums written in 2022 and maintains an A+ (S&P) rating, underlining notable financial strength.
No public Trustpilot reviews exist, but the Intact app is highly rated (average 4.6/5 from over 175,000 ratings across all products), reflecting strong digital support, though some feedback highlights variability in claims follow-up; claims are initiated within 30 minutes by phone or app.

Pros

• ✅High $5,000,000 emergency medical coverage per person
• ✅Annual plan covers unlimited trips up to 30 days each
• ✅Family coverage includes spouse and children automatically
• ✅24/7 digital claims initiation and tracking via app
• ✅Bundling discount with existing home/auto policies
• ✅App highly rated (4.6/5, 175,000+ reviews across products)
• ✅Emergency claims initiated in 30 minutes or less

Cons

• ❌No single-trip or student/expat-specific plans
• ❌Premiums cannot be purchased standalone (must bundle)
• ❌Policy documents and claim limits not fully transparent online
• ❌No explicit telemedicine or video medical consult
• ❌Deductible details not specified publicly

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In partnership with our provider

4.2

Score

4.2

Score

ProsCons

• ✅High $5,000,000 emergency medical coverage per person
• ✅Annual plan covers unlimited trips up to 30 days each
• ✅Family coverage includes spouse and children automatically
• ✅24/7 digital claims initiation and tracking via app
• ✅Bundling discount with existing home/auto policies
• ✅App highly rated (4.6/5, 175,000+ reviews across products)
• ✅Emergency claims initiated in 30 minutes or less

Our expert’s opinion on Intact

Last update: July 18, 2025

A. FruchardInsurance expert

Pros

• ✅High $5,000,000 emergency medical coverage per person
• ✅Annual plan covers unlimited trips up to 30 days each
• ✅Family coverage includes spouse and children automatically
• ✅24/7 digital claims initiation and tracking via app
• ✅Bundling discount with existing home/auto policies
• ✅App highly rated (4.6/5, 175,000+ reviews across products)
• ✅Emergency claims initiated in 30 minutes or less

Cons

• ❌No single-trip or student/expat-specific plans
• ❌Premiums cannot be purchased standalone (must bundle)
• ❌Policy documents and claim limits not fully transparent online
• ❌No explicit telemedicine or video medical consult
• ❌Deductible details not specified publicly

Discover the offer

In partnership with our provider

4.2

Score

4.2

Score

ProsCons

• ✅High $5,000,000 emergency medical coverage per person
• ✅Annual plan covers unlimited trips up to 30 days each
• ✅Family coverage includes spouse and children automatically
• ✅24/7 digital claims initiation and tracking via app
• ✅Bundling discount with existing home/auto policies
• ✅App highly rated (4.6/5, 175,000+ reviews across products)
• ✅Emergency claims initiated in 30 minutes or less

Intact’s travel insurance offering in Canada, anchored by its TravelWell® plans, provides strong, comprehensive protection through both Emergency Medical and All-Inclusive options, appealing for their high $5,000,000 medical coverage limit and annual multi-trip flexibility.
Coverage includes robust assistance services, competitive payout guarantees, family inclusion, and 24/7 app-enabled claims submission, with low or unspecified deductibles and annual pricing that supports premium flexibility via bundling with home or auto insurance.
Intact holds a strategic position among Canadian leaders like Manulife and Allianz, capitalizing on seamless digital service and annual coverage flexibility rather than low-cost pricing, making it compelling for families, frequent travelers, and risk-averse clients.
Backed by North America’s largest P&C insurer, Intact Financial Corporation reported $21.6 billion CAD in direct premiums written in 2022 and maintains an A+ (S&P) rating, underlining notable financial strength.
No public Trustpilot reviews exist, but the Intact app is highly rated (average 4.6/5 from over 175,000 ratings across all products), reflecting strong digital support, though some feedback highlights variability in claims follow-up; claims are initiated within 30 minutes by phone or app.

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Why trust HelloSafe?

At HelloSafe, a travel insurance expert reviews each year the general terms and pricing of 42 travel insurance providers operating in Canada, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip, and more broadly to support them in making important financial decisions.

Intact Coverages

Intact offers two primary travel insurance options, the Emergency Medical Plan and the All-Inclusive Plan, both designed for short stays and annual multi-trip coverage. The Emergency Medical Plan focuses on emergency medical expenses abroad, while the All-Inclusive Plan adds baggage coverage and trip cancellation or interruption. These plans are available as add-ons to an existing home or home and auto policy, and include family coverage if traveling together.

Intact distinguishes itself with robust medical coverage up to $5,000,000 per person per trip, rapid claims initiation via app or phone, and digital claims management, making it highly competitive in Canada for travelers seeking comprehensive and easy-to-access protection.

While the medical limits and digital services stand out, baggage and interruption limits are not specified and some exclusions apply, so travelers should always review details before purchase.

There are other valuable features worth noting. One real highlight with Intact is the 24/7 multilingual assistance hotline, including help with lost documents, emergency funds, and interpreter services.

Intact also offers annual multi-trip insurance for frequent travelers and family group coverage, both suitable for those wanting protection for several short trips per year with relatives included on the policy.

Take a few minutes to compare travel insurance plans to ensure you get the lowest price or the most comprehensive protection for your individual needs.

Intact Exclusions

Intact travel insurance applies clear exclusions that are mostly consistent with Canadian market standards.
Coverage is limited for pre-existing medical conditions unless stable prior to departure, and no protection is offered for non-emergency or cosmetic care, routine checkups, or situations arising in destinations under government travel advisories.
Although these exclusions are expected for the industry, Intact is neither notably stricter nor more flexible than most competitors.

Intact Prices

Intact is positioned in the mid-to-upper price range for travel insurance, largely due to its high reimbursement levels and robust, comprehensive coverage starting from its Emergency Medical Plan up to the All-Inclusive Plan.
Deductibles are competitive, but not the lowest in the industry, and included coverages like trip cancellation, baggage, and assistance match market standards, catering to cautious travelers.
Distribution is through both brokers and digital channels, which increases flexibility but does not provide “pure player” digital savings as seen with some new competitors.
Overall, Intact provides excellent protection, but its pricing is slightly above average compared with other major Canadian insurers, making it better suited for those prioritizing coverage over budget.

These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.

Intact Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.

How much will I be reimbursed with Intact?

With Intact’s All-Inclusive Plan, most eligible travel claims are reimbursed quickly and at high limits, giving you peace of mind wherever your journey takes you.

✅ Example 1: Medical emergency—hospitalization in France
Total cost of care: $6,800 (ambulance, emergency surgery, overnight stay)
Deductible amount to subtract: $100
Amount reimbursable after deductible with the All-Inclusive Plan: $6,800 – $100 = $6,700
100% of that amount reimbursed: $6,700 × 100% = $6,700
? You receive a reimbursement of $6,700.
ℹ️ The deductible is typically applied once per policy year. The All-Inclusive Plan covers up to $5 million per person per trip for emergency medical expenses.

✅ Example 2: Lost luggage on arrival in London
Total cost of lost items: $2,100
No deductible applies
Amount reimbursed at 100% with the All-Inclusive Plan: $2,100 × 100% = $2,100
? You receive $2,100, counted toward your annual baggage coverage limit.
ℹ️ Submit a baggage checklist and purchase receipts. Per-claim and annual baggage coverage caps may apply, depending on your policy.

✅ Example 3: Non-refundable trip cancellation due to sudden illness
Total cancellation fees: $3,200
No deductible applies
Amount reimbursed at 100%: $3,200 × 100% = $3,200
? You receive $3,200.
ℹ️ Valid if your illness is confirmed by a licensed physician and reported within required deadlines. Cancellation for covered events is reimbursed up to your plan limits.

Intact Support

Intact’s assistance offering is well adapted for Canadian travelers, thanks to round-the-clock customer support, an easy-to-use app, and multi-channel claims submission.

The app is recognized for its user-friendliness, which simplifies document access and claim follow-up. However, the absence of a WhatsApp number and teleconsultation might be limiting for travelers seeking immediate virtual medical access or modern messaging.

Multi-language support and international numbers are not highlighted, which could challenge non-English or French speakers abroad.

Intact Reviews

We analyzed the reviews from the sites mentioned above.

On the positive side, policyholders who purchased a plan from Intact for their trip often mention:

• An easy-to-use mobile app that simplifies claims submission and access to documents.
• A quick and straightforward claims initiation process, appreciated by users.
• A robust digital platform that offers convenient access to real-time policy information.
• Customer service that is available 24/7, which helps in emergencies.

On the negative side, they mention:

• An inconsistent experience with claims processing times, particularly during busy periods.
• A lack of detailed communication and follow-up from claims representatives.
• Occasional technical bugs within the mobile app that can affect document uploads.
• Difficulties reaching a dedicated travel insurance specialist for complex questions.

Customer testimonial

My luggage was lost arriving in Rome. I called Intact's 24/7 line, and while they eventually approved a reimbursement of €250 (approx. $370 CAD) for essentials, the process was a nightmare. Getting updates was difficult, and the communication was poor. It took far too long to receive the payment, which added a lot of stress to the situation. The coverage exists on paper, but the service was a real letdown. Mark, 42 years old

Intact Contact

FAQ

A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.