Is PC Financial travel Insurance good? Review 2024

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Nishadh updated on 6 July 2023

Traveling without travel insurance can have severe financial consequences. Did you know that one night's hospital stay in the U.S. can be over $14,000 CAD? In some countries, you may even be denied medical assistance if you cannot prepay for treatment.

Travel insurance is an absolute necessity when you're away from home, providing coverage for healthcare expenses and ensuring you can access medical services when needed. It also offers assistance for flight disruptions, lost baggage, and other related issues.

One popular provider worth considering is the PC Financial Travel Insurance (from President's Choice). So we've done a comprehensive review outlining the coverage, costs, and the pros and cons of their service.

Additionally, you can also use our comparator to explore the best travel insurances in Canada and get quotes in seconds.

President's Choice Financial Travel Insurance: 5 Key takeaways

  1. PC Financial Travel Insurance protects against unexpected medical expenses and other issues like delays and cancelations.
  2. It offers comprehensive coverage, including trip cancellation, interruption, emergency medical, and baggage loss/delay.
  3. It is important to review the policy's terms and conditions to understand coverage limitations and exclusions.
  4. The policy offers flexibility and customisation, allowing travellers to tailor their coverage.
  5. It is advisable to compare other travel insurances using our comparator, considering factors like coverage, cost, and reviews.

Our 2024 review of PC Financial travel insurance

President's Choice has joined hands with Manulife Travel Insurance to provide Canadians with exceptional plans so they can travel and enjoy their business trips or vacations stress-free.

PC primarily offers 4 travel insurance options: Complete package, Package without medical care, Global medical care, and Unequaled Protection Insurance.

Before we dive into the coverage of each option, here's a quick look at the pros and cons of this insurance overall.

Pros of PC Financial Travel Insurance

  • Diverse insurance options
  • Partnership with Manulife
  • Insurance for seniors
  • No-fee master cards with travel insurance
  • Quarantine expenses covered in case of COVID

Cons of PC Financial Travel Insurance

  • Pre-existing medical condition exclusions
  • Limited pricing information on website

You can also compare PC Financial Travel Insurance with other providers in Canada like Allianz Travel Insurance using our comparator below and also get quick quotes based on your unique needs.

Compare the best travel insurance plans on the market!

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How is the PC Financial Travel Insurance Coverage?

PC Financial travel insurance offers a wide range of coverage from trip cancellation and medical emergency to flight delays and lost baggage and more to ensure you have the most stress-free travel. However the coverages vary based on the option you choose.

What does PC Financial Travel Insurance cover?

Your PC financial travel insurance may cover medical insurance alone or a combination of travel medical and trip protection, although the specific policy details, including coverage duration and limits, vary across different plans offered.

Generally, the PC Financial Travel covers a few or all of the following based on your plans:

  1. Trip cancellation and interruption coverage: Reimburses non-refundable expenses if a trip needs to be canceled or cut short due to covered reasons like illness, injury, or severe weather.
  2. Travel medical insurance: This provides coverage for medical expenses incurred while traveling, including emergency medical treatment, hospital stays, and sometimes even medical evacuation back to your home country.
  3. Lost or delayed baggage coverage: In the unfortunate event of lost, stolen, or delayed baggage, this coverage will provide reimbursement for the replacement of essential items.
  4. Trip delay coverage: If your flight or other transportation is delayed (for a specific period of time), this coverage can reimburse you for expenses such as meals, accommodations, and transportation during the delay.
  5. Travel accident insurance: Offers coverage for accidental death or dismemberment that occurs during travel on planes, trains, or buses.
  6. Rental car insurance: Coverage for collision damage or theft of rental vehicles.
  7. Covid Travel Insurance: Covers Covid-related medical emergencies, repatriation and booking cancellations.

Here is a table to give you a quick overview of the coverage provided under the PC Financial Travel Insurance:

PC Financial FeaturesComplete Package (Manulife Global All-Inclusive)Package without Medical Care (Manulife Global Non-Medical Inclusive)Global Medical Care (Manulife Global Emergency Medical)Unequaled Protection Insurance (Manulife Global Premium Protection)
Eligible Age
No limit*Check with providerNo limit74 or younger
Hospital and Emergency Medical
$5,000,000 $5,000,000$10,000,000
Trip Interruption
Trip Cancellation
Missed Connection
Delayed Return Flight
Baggage Delay
$500$500 $750
Flight Accident
$100,000$100,000 $250,000
Travel Accident
$50,000$50,000 $50,000
Coverage of PC Financial Travel Insurance

What does PC Financial Travel Insurance not cover?

PC Financial Travel Insurance, like other insurance policies in the market, has certain exclusions and limitations.

These may include coverage exclusions for pre-existing medical conditions, high-risk activities such as extreme sports, and incidents related to intoxication or drug use. Any claims arising from incidents related to being under the influence of alcohol or drugs may not be covered by the policy.

Additionally, travel to restricted or high-risk destinations may impact coverage eligibility. It's important to thoroughly review the policy's terms and conditions to fully understand the coverage limitations and exclusions that may apply.

If there are any uncertainties or specific concerns, it is advisable to contact PC Financial directly for further clarification.

How much does PC Financial travel insurance cost?

The price of PC Financial travel insurance depends on the following factors:

  • Your age
  • Your desired coverage and respective policy
  • Your deductible
  • Your waiting period
  • Your destination(s)
  • The duration of your trip

You can compare coverages and prices of the best travel insurances in Canada using our comparator below and also get quick quotes based on your unique needs.

Compare the best travel insurance plans on the market!

Get a quote

Is there a PC financial Mastercard travel insurance?

Yes, like other popular credit cards with travel insurance (to hyperlink later), President's Choice also offers this option. However, the extent of coverage and fee involved vary based on the type of credit card you choose.

PC has three primary credit cards. They are World Elite MasterCard MD, World MasterCard MD, and MasterCardMD.

PC Financial World Elite MasterCard travel insurance

PC World Elite MasterCard travel insurance provides up to $1,000,000 coverage for various emergency medical expenses during your travel including doctor charges, accidental dental care, return airfare, and more.

It also has car rental loss/damage and baggage coverage among others. It is important to read the offer documents of your card carefully.

To make insurance claims, it is highly important to ensure that your PC World Elite Mastercard account is in good standing at the time of the occurrence and the claim.

PC Financial World MasterCard travel insurance

The PC Financial World Mastercard does not offer any travel benefits, however, it does offer reward points for purchases made with respect to travel. It's best to check with your card provider to get accurate and up-to-date information.

PC Financial MasterCard travel insurance

The PC Financial MasterCard does not provide travel benefits by default. However, it might give you rewards and redeemable points that could prove beneficial for your trips and vacations. It would be best to get in touch with your provider for more information on this.

Good to know

In order to get these credit cards, you must satisfy certain eligibility criteria that also include a minimum yearly personal income or household income, apart from other credit approval criteria. Also, it's important that your travel purchases are made on your specific credit card to be eligible for claims after.

How do I contact PC travel insurance?

You can get in touch with the PC Financial travel insurance phone number: 1-844-862-8466 or 1-866-246-7262. They are both toll-free numbers. You may have to wait a few seconds to minutes in queue when the lines are facing an unexpectedly high volume of enquiries.

The numbers are available only between 9:00 am and 5:00 pm (ET) from Monday to Friday. Weekends are closed for in-phone enquiries.

You could also fill up and submit a form on their website that is available under the contact us category and an agent will get in touch with you shortly after.

If you're an insurance holder, however, in the event of an emergency, however, you can call the toll free at 1-855-856-7569.

How do I file a claim for PC financial travel insurance?

To file a claim, you can get in touch with your provider directly on the phone and a customer service agent will guide you through the process.

You could also login on the PC Financial website to fill the claim form. It is extremely important to make sure you have all the supporting documents like invoices for purchases, bills, etc, at the time of claims process.

How do I cancel my PC financial travel insurance?

If you are looking for information and instructions to cancel PC Financial travel insurance at any time, please call 1-866-246-7262 to speak with a representative.

But canceling your travel insurance might mean putting yourself at the risk of financial stress should you be faced with unforeseen medical and other related issues during your travel. So, it's strongly recommended that you opt for a travel insurance that best suits your needs.

Now that you have a good idea about PC Financial Travel Insurance, you can compare it with the best travel insurances in Canada using our comparator below and also get quick quotes.

Compare the best travel insurance plans on the market!

Get a quote


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Nishadh SEO Consultant

Nishadh Mohammed, an experienced news editor and writer, has been a member of the HelloSafe team since May 2023. With a robust nine-year background in journalism and content creation, he has transitioned from impactful roles at major Indian newspapers to steering the course of online content as the managing editor of The Daily Net. Possessing a proficiency in crafting content for diverse audiences, Nishadh also brings a deep understanding of data analytics tools such as SQL, Tableau, and Knime. His commitment goes beyond crafting engaging financial content for HelloSafe; he navigates the ever-changing SEO landscape, leveraging data-driven insights to make informed decisions. When he's not wrestling with SEO algorithms, Nishadh indulges in reading and passionately explores narratives on human rights, intersectionality, race, caste, and LGBTQIA+ issues.