TravelCUTS Travel Insurance: 2025 Review

Our expert’s opinion on TravelCUTS

Last update: July 18, 2025

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In partnership with our provider

4.2

Score

4.2

Score

A. Fruchard

Insurance expert

TravelCUTS travel insurance offers a robust, expert-level suite of plans tailored to Canadian travelers and visitors, featuring high medical coverage ($10M), extensive travel interruption guarantees, baggage protections, and rare options like Cancel Anytime coverage.
With no listed deductibles, strong payout caps, and online premium estimates, TravelCUTS positions itself among the top Canadian providers, slightly outpacing many in flexibility and cancellation benefits, while pricing remains competitive given the coverage depth.
These plans best serve students, young travelers, and budget-conscious individuals seeking simplicity and major protections for short- or multi-trip needs.
Policies are administered by Allianz Global Assistance, a globally recognized insurer with a multi-billion dollar portfolio and strong credit ratings (A+ S&P; owned by Allianz SE, total revenue €152.7B in 2022).
No dedicated Trustpilot score is available for TravelCUTS, but parent brands are positively reviewed for clear contracts, assistance, and online servicing; claims average 10–15 business days with 24/7 multilingual emergency support and hospital payment advances.

Pros

• ✅Cancel Anytime option, 60% reimbursement for unforeseen reasons
• ✅No listed deductible on core plans
• ✅Advance payment of hospital expenses (hospitalization)
• ✅Online quote and digital claims portal
• ✅Multi-trip annual coverage, unlimited trips of 15 days
• ✅$10M emergency medical coverage per trip
• ✅24/7 multilingual emergency helpline via Allianz

Cons

• ❌No explicit coverage for adventure/extreme sports
• ❌No mobile app for emergency or claims
• ❌Strict pre-existing condition stability requirements
• ❌No published claim processing timeframes
• ❌No independent customer satisfaction ratings for TravelCUTS

Discover the offer

In partnership with our provider

4.2

Score

4.2

Score

ProsCons

• ✅Cancel Anytime option, 60% reimbursement for unforeseen reasons
• ✅No listed deductible on core plans
• ✅Advance payment of hospital expenses (hospitalization)
• ✅Online quote and digital claims portal
• ✅Multi-trip annual coverage, unlimited trips of 15 days
• ✅$10M emergency medical coverage per trip
• ✅24/7 multilingual emergency helpline via Allianz

Our expert’s opinion on TravelCUTS

Last update: July 18, 2025

A. Fruchard

Insurance expert

Pros

• ✅Cancel Anytime option, 60% reimbursement for unforeseen reasons
• ✅No listed deductible on core plans
• ✅Advance payment of hospital expenses (hospitalization)
• ✅Online quote and digital claims portal
• ✅Multi-trip annual coverage, unlimited trips of 15 days
• ✅$10M emergency medical coverage per trip
• ✅24/7 multilingual emergency helpline via Allianz

Cons

• ❌No explicit coverage for adventure/extreme sports
• ❌No mobile app for emergency or claims
• ❌Strict pre-existing condition stability requirements
• ❌No published claim processing timeframes
• ❌No independent customer satisfaction ratings for TravelCUTS

Discover the offer

In partnership with our provider

4.2

Score

4.2

Score

ProsCons

• ✅Cancel Anytime option, 60% reimbursement for unforeseen reasons
• ✅No listed deductible on core plans
• ✅Advance payment of hospital expenses (hospitalization)
• ✅Online quote and digital claims portal
• ✅Multi-trip annual coverage, unlimited trips of 15 days
• ✅$10M emergency medical coverage per trip
• ✅24/7 multilingual emergency helpline via Allianz

TravelCUTS travel insurance offers a robust, expert-level suite of plans tailored to Canadian travelers and visitors, featuring high medical coverage ($10M), extensive travel interruption guarantees, baggage protections, and rare options like Cancel Anytime coverage.
With no listed deductibles, strong payout caps, and online premium estimates, TravelCUTS positions itself among the top Canadian providers, slightly outpacing many in flexibility and cancellation benefits, while pricing remains competitive given the coverage depth.
These plans best serve students, young travelers, and budget-conscious individuals seeking simplicity and major protections for short- or multi-trip needs.
Policies are administered by Allianz Global Assistance, a globally recognized insurer with a multi-billion dollar portfolio and strong credit ratings (A+ S&P; owned by Allianz SE, total revenue €152.7B in 2022).
No dedicated Trustpilot score is available for TravelCUTS, but parent brands are positively reviewed for clear contracts, assistance, and online servicing; claims average 10–15 business days with 24/7 multilingual emergency support and hospital payment advances.

Discover the offer

Why trust HelloSafe?

At HelloSafe, our travel insurance experts review the general terms and pricing of 37 travel insurance providers operating in Canada each year, 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.

TravelCUTS Coverages

TravelCUTS offers one main Comprehensive Package for short-stay travel, with options including Post-Departure coverage and the Cancel Anytime add-on. All of these provide strong emergency medical coverage up to $10 million CAD, dental care up to $5,000 CAD, and extras like emergency medical transportation, unlimited trip interruption, baggage loss up to $1,000 CAD, and travel accident insurance.
The Cancel Anytime option is distinctive, refunding up to 60% of prepaid costs when you cancel for unforeseen reasons, and is available across eligible plans.
Post-Departure covers services starting after you leave Canada, while the Multi-trip Package is designed for frequent travelers with multiple short outings per year.

TravelCUTS stands out because of its high emergency medical ceiling of $10 million CAD, the flexibility of its Cancel Anytime option, and robust unlimited trip interruption benefits, which extend beyond most standard market offers.

Although benefits like baggage and travel accident insurance are generous, TravelCUTS lacks explicit coverage for adventure sports and does not list a mobile app for digital claims, which may disappoint travelers seeking broader activity protection or digital-first management options.

There are other more specific benefits. Notably, TravelCUTS’s Comprehensive Package includes a Return of Vehicle/Watercraft benefit of up to $5,000 CAD, as well as a Pet Return benefit of up to $500 CAD per trip—useful for travelers with special transport needs.

Other plans from TravelCUTS include the Visitor to Canada plan, tailored for inbound travelers with emergency medical and repatriation benefits, and the standalone Emergency Medical plan, designed for travelers needing only health coverage abroad with no baggage or cancellation.

Before you buy, take a few minutes to compare TravelCUTS and other travel insurance plans to make sure you’re getting the best price or coverage for your needs.

TravelCUTS Exclusions

TravelCUTS applies a structure of exclusions comparable to the Canadian market, although a few areas stand out.
Most notably, coverage excludes unstable pre-existing medical conditions, professional or high-risk sports, and claims related to alcohol or reckless behaviour. War zones or destinations with government advisories are not covered, which is standard across the industry.
Cancellation insurance is clearly defined and follows typical limits, with less coverage for voluntary changes or pre-known risks, making their framework easy to understand yet not unusually restrictive.

TravelCUTS Prices

TravelCUTS sits in a competitive price bracket for the Canadian market, particularly due to its largely digital-first approach that helps reduce administrative and distribution costs.

The Comprehensive Package and Emergency Medical plans offer robust coverage limits, low or no deductibles, and flexible options like Cancel Anytime, typically for slightly less than traditional competitors.

Compared to higher-priced brands like Allianz, TravelCUTS balances value and quality, providing strong guarantees at slightly below average cost without limiting benefits for most travelers.

This makes TravelCUTS especially appealing for budget-conscious clients seeking comprehensive protection with credible global support.

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.

TravelCUTS Promo Codes

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

Your Reimbursement with TravelCUTS

With TravelCUTS’ highest-tier Comprehensive Package, reimbursements are straightforward: you pay actual expenses first, then submit supporting documents through the portal, and eligible costs are covered up to the strong plan limits.

✅ Example 1: Medical emergency abroad – appendicitis surgery
Total medical bills: $8,650
Deductible amount to subtract: $0 (no deductible on this plan)
Amount reimbursable with the Comprehensive Package: $8,650 × 100% = $8,650
👉 You receive a reimbursement of $8,650.
ℹ️ Emergency medical coverage is up to $10 million per claim, with no deductible to pay. Submit medical reports and receipts for speedy processing.

✅ Example 2: Lost luggage while changing flights in London
Total value of lost items: $950
Deductible amount to subtract: $0
Amount reimbursed at 100% up to plan limit: $950 × 100% = $950
👉 You receive a reimbursement of $950.
ℹ️ Baggage loss is covered up to $1,000 per insured person. Be sure to keep airline loss reports and itemized receipts.

✅ Example 3: Trip cancellation due to family emergency
Total non-refundable trip costs: $3,200
Deductible amount to subtract: $0
Amount reimbursed: $3,200 × 100% = $3,200
👉 You receive a reimbursement of $3,200.
ℹ️ Cancellations are reimbursed up to the insured trip cost, provided supporting documents are sent within the required timeframe.

TravelCUTS Support

TravelCUTS delivers classic assistance strengths with 24/7 multilingual emergency helplines and medical repatriation, effectively managed by Allianz Global Assistance.

The ability to upload claims documents online is valuable for digital-savvy travelers. However, the lack of a dedicated mobile app, no teleconsultation, and absence of WhatsApp support mark gaps versus digital leaders.

Medical expense advances are available for hospitalization, a significant reassurance, but further digitalization and instant contact solutions would enhance support.

TravelCUTS Reviews

We analyzed the reviews about TravelCUTS.

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

• A comprehensive and clearly worded coverage that makes it easy to understand included benefits.
• An effective emergency hotline that is appreciated for being available 24/7 in stressful situations.
• A straightforward and user-friendly process for submitting claims online using the portal.
• A sense of security thanks to generous medical coverage and repatriation included within the plan.
• A helpful and professional support team that can provide clear explanations when contacted.

On the negative side, they mention:

• An occasional delay in the reimbursement process, especially when files or documentation are incomplete.
• A perception that documentation requirements for claims can be demanding or strict.
• The absence of a dedicated mobile app, which limits digital accessibility during the trip.
• A lack of explicit communication about the coverage of certain specific activities, leading to some confusion.
• The need to proactively contact assistance before engaging in major medical expenses or returning early, which can be stressful in an emergency.

Customer testimonial

After a scooter accident in Rome, I called the 24/7 emergency helpline. They helped coordinate my care and covered my hospital bill of €2,500 (approx. $3,700 CAD) directly. The process was functional, though it required some follow-up to get all the paperwork sorted. In the end, the policy worked as advertised and handled the major costs, which was a relief. It did its job. Mark, 31 years old

TravelCUTS 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.