Air Canada is the largest full-service airline in Canada, with 44.8 million passengers in 2023. Our research also shows that they offer several Air Canada travel insurance plans. Air Canada is a founding member of the Star Alliance network.
Advantages of Air Canada Travel Insurance
- Offers travel within Canada, non-medical, and all-inclusive plans without an age limit.
- The online quote is hassle-free to complete.
- Several policies are available, including single-trip, multi-trip (annual), cancellation and interruption, and baggage insurance.
- Air Canada’s Manulife All-Inclusive Plan has a cancel for any reason (CFAR) benefit.
Disadvantages
- There are more choices once you get information from Air Canada travel insurance than just what the Air Canada page suggests, so options can get a tad confusing.
- The application forms are not user-friendly.
- If you’re over age 60, you’re required to fill out a medical questionnaire.
Air Canada Travel Insurance Plans
Air Canada Insurance officially offers seven different travel insurance plans. All of Air Canada’s travel insurance plans are administered by Allianz Global Assistance and Manulife.
Air Canada’s current travel insurance plans by Allianz are:
- Classic Emergency Medical Plan (age 84 or younger)
- Trip Cancellation & Interruption Plan
- Non-Medical Package Plan: includes trip cancellation and interruption, baggage coverage, flight accident and travel accident coverage.
- Deluxe Package Plan: an all-in-one plan with emergency medical benefits, trip cancellation, trip interruption, baggage insurance, flight accident and travel accident coverage (age 84 or younger).
Air Canada’s current travel insurance plans by Manulife have no age limit. The Manulife plans include:
- All-Inclusive Plan
- All-Inclusive with Added COVID-19 Medical Insurance Coverage Plan
- Emergency Medical Plan
- Emergency Medical with Added COVID-19 Medical Insurance Coverage Plan
- Canada All-Inclusive Plan
- Canada Medical Plan
Allianz Classic Emergency Medical Plan – Single-Trip
The Classic Medical Plan is for people aged 84 or under who want up to $5 million for emergency medical expenses while travelling.
It includes emergency medical coverage but does not include trip cancellation, interruption or baggage coverage.
Allianz Classic Emergency Medical Plan – Multi-Trip Annual
The Multi-trip Annual Classic Medical Plan gives emergency medical coverage for an unlimited number of trips taken within a 365-day period. You can choose from several different maximum trip lengths, depending on the plan chosen.
This plan doesn’t include trip interruption, cancellation or baggage coverage. The fee varies when choosing a different trip length for the annual plans.
Allianz Trip Cancellation and Interruption Plan
The Air Canada cancellation insurance plan does not include any medical travel insurance. It is strictly a trip cancellation and interruption policy.
This plan covers the need to cancel, interrupt or delay your trip due to an unexpected covered event.
COVID-19 is not a covered reason for cancellation or trip interruption if the Government of Canada issues a travel advisory for your destination.
Allianz Non-Medical Package Plan
The Non-Medical plan does not include any emergency medical travel insurance.
Instead, it includes trip interruption, trip cancellation, baggage coverage, baggage delay, flight accident insurance, and other benefits.
Allianz Deluxe Package – Single Trip Plan
The Deluxe Package plan is an all-in-one plan created for people aged 84 years and younger.
It includes up to $5 million of coverage for emergency medical insurance. It also provides trip cancellation and interruption, baggage coverage and delay, and travel accident coverage among other benefits.
Allianz Deluxe Package – Multi-trip Annual Plan
The Multi-Trip Annual Deluxe Package plan gives emergency medical coverage for an unlimited number of trips taken within a 365-day period and includes trip cancellation, interruption and baggage insurance.
You can choose from several different maximum trip lengths, depending on the plan chosen. This plan includes trip interruption, cancellation and baggage coverage. The fee varies when choosing a different trip length for the annual plans.
Air Canada Vacations Travel Insurance
If you browse the Air Canada Vacations website, you’ll find travel insurance options which you can add to your Air Canada vacation package, flight and hotel package, or tour package.
There are three plan types:
- The Carefree Plan
- The Careflex Plan (including Canada & U.S.)
- The Careflex Plan (including Mexico, the Caribbean, Central America & Europe)
These plans are travel protection plans, rather than travel insurance. As always, contact your broker to find out the details of your specific policy.
Comparison of Air Canada’s Allianz Travel Insurance Plans
| Plan | Medical Insurance Coverage | Deductible | Trip Cancellation and Interruption | Baggage | Maximum Age |
| Allianz Classic Emergency Medical Plan – Single Trip | $5 million |  | | | Age 84 and under |
| Allianz Classic Emergency Medical Plan – Multi-trip Annual | $5 million | |  | | Age 84 and under |
| Allianz Cancellation and Interruption Plan |  | |  |  | No age limit |
| Allianz Non-medical Package Plan |  | |  |  | No age limit |
| Allianz Deluxe Package – Single Trip Plan | $5 million | |  |  | Age 84 and under |
| Allianz Deluxe Package Multi-trip Annual Plan | $5 million | |  |  | Age 84 and under |
Manulife All-Inclusive Plan
The All-Inclusive Plan has no age limit and provides up to $5 million coverage.
It includes emergency medical, trip cancellation and interruption, flight accident, travel accident, baggage loss/damage and delay, and cancellation for any reason up to 50%, among other benefits.
There is also a Cancel for Any Reason (CFAR) benefit included at no extra cost. If you change your mind and don’t want to travel, you can get up to 50% of the non-refundable trip cost if you cancel 14 days or more before your departure date.
Manulife All-Inclusive with Added COVID-19 Medical Insurance Coverage Plan
The Manulife All-Inclusive with Added COVID-19 Medical Insurance Coverage Plan provides the same benefits as the Manulife All-Inclusive Plan.
However, in addition to the Manulife All-Inclusive Plan benefits, there are COVID-19 quarantine benefits such as up to $500 airfare, and up to $2800 for hotel and meal expenses due to COVID-19.
If you are not fully COVID-19 vaccinated:
- This policy will only provide up to $1 million for COVID-19 and any related complication expenses.
- No coverage for COVID-19 and related complication expenses on a cruise or any destination in the cruise itinerary
Manulife Emergency Medical Plan
The Emergency Medical Plan has no age limit and provides up to $5 million of coverage for emergency medical expenses while travelling. This policy requires a questionnaire if you are over 60.
It includes emergency medical coverage, but does not include trip cancellation and interruption, baggage, flight accident or travel accident coverage.
Manulife Emergency Medical with Added COVID-19 Medical Insurance Coverage Plan
The Manulife Emergency Medical with Added COVID-19 Medical Insurance Coverage Plan provides the same benefits as the Manulife Emergency Medical Plan.
On top of the Manulife Emergency Medical Plan benefits, there are COVID-19 quarantine benefits such as up to $500 airfare, and up to $2800 for hotel and meal expenses due to COVID-19. In addition, this policy provides trip interruption coverage in the event of a quarantine of up to $200 per day for hotel and meal expenses (maximum 14 days).
Like the All-Inclusive with Added COVID-19 Medical Plan, If you are not fully COVID-19 vaccinated:
- This policy will only provide up to $1 million for COVID-19 and any related complication expenses.
- No coverage for COVID-19 and related complication expenses on a cruise or any destination in the cruise itinerary
Manulife Canada All-Inclusive Plan
The Canada All-Inclusive Plan has no age limit.
It provides the same coverage as the All-Inclusive plan, except that this plan only provides coverage within Canada, outside of your Canadian province or territory of residence.
Manulife Canada Medical Plan
The Canada Medical Plan has no age limit.
This policy provides the same coverage as the Emergency Medical Plan. The only difference is that coverage is provided only in Canada, outside your Canadian province or territory of residence.
Comparison of Air Canada’s Manulife Travel Insurance Plans
| Plan | Medical Insurance Coverage | Deductible | Trip Cancellation and Interruption | Baggage | Maximum Age |
| Manulife All-Inclusive Plan | $5 million | | | | No age limit |
| Manulife All-Inclusive with Added COVID-19 Medical Insurance Coverage Plan | $5 million | | | | No age limit |
| Manulife Emergency Medical Plan | $5 million | Up to $10,000 | | | No age limit |
| Manulife Emergency Medical with Added COVID-19 Medical Insurance Plan | $5 million | Up to $10,000 | | | No age limit |
| Manulife Canada All-Inclusive Plan | $5 million | | | | No age limit |
| Manulife Canada Medical Plan | $5 million | | | | No age limit |
Tips for Saving with Air Canada Travel Insurance
If you plan on taking multiple trips in a year, Allianz has multi-trip policy options.
Purchasing a multi-trip policy instead of several single-trip policies may help you save money.
You could also choose a higher deductible to save on your initial policy cost.
Refunds
With Air Canada Allianz policies, you can only get a refund if you request a refund before you depart on your trip and have not submitted a claim. See your policy for details.
With Air Canada Manulife policies, refund requests must be submitted to the representative you purchased the policy from. Whether you can apply for a refund or not, depends on your situation and your policy.
You cannot apply for a refund on any Manulife All-Inclusive policies after the 10-Day Free Look period. All other Manulife policies allow you to apply for an early return refund for unused days if you return home before your scheduled policy return date. This refund is only available if you have no cause for a claim and haven’t started a claim.
You Need to Know
- Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.
- All policies require you to be a Canadian resident. Most policies also require you to be insured under a Canadian government health insurance plan for your trip.
- Air Canada’s Manulife policies max out at $25,000 for all eligible expenses if you do not have valid government health insurance plan coverage.
- You can’t get this insurance once you’ve left on your trip.
- Air Canada’s Allianz travel insurance is underwritten by CUMIS General Insurance Company.
- Air Canada’s Manulife travel insurance is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife.
How to learn more
You can select to view insurance policies from Allianz or Manulife from the Air Canada website. Fill in an online quote and purchase your plan online. You can also call Manulife toll-free at 1-866-521-8506.
Want to Compare Air Canada’s Travel Insurance Rates?
If you’d like to compare Air Canada’s travel insurance plans with other travel insurance companies, the quickest way is to get a few comparison quotes.Comparison websites, like BestQuote Travel Insurance, let you compare quotes for travel insurance from several different companies at once. You type in a few details about your trip and compare policy coverage and prices to help narrow down your choice.