Air Canada is the largest full service airline in Canada, with more than 38 million passengers each year. Our research also shows that they offer several Air Canada travel insurance plans. Air Canada is a founding member of the Star Alliance network.

Click here to compare quotes now with other plans on Kanetix, a website that lets you compare travel insurance quotes for several different companies at once.

Advantages of Air Canada Travel Insurance

  • Offers a travel within Canada and non-medical plan without an age limit
  • Online quote is hassle-free to complete
  • Whenever possible, Air Canada Insurance will pay payments upfront for hospital expenses and emergency medical bills, thereby avoiding out of pocket of expenses.
  • Wide range of policies, including single trip and multi-trip (annual) medical travel insurance policies, cancellation insurance, and baggage insurance.
  • If you’re over age 64, when you get a quote for a single trip plan or travel within Canada plan, you will be given an option to continue without filling out a questionnaire, or fill out a medical questionnaire. You may save money if you choose to fill out the questionnaire, but you do have an option not to.


  • It seems there are more choices once you get a quote with Air Canada travel insurance than just what the Air Canada page suggests, so options can get a tad confusing. For example, when we got a quote for an 83 year old for one weeks’s travel outside of Canada, without a medical questionnaire, we got the option to choose a Bronze TravelCare Package that included emergency medical insurance. This Bronze TravelCare Package wasn’t mentioned on the travel insurance plans page.
  • The Classic Medical Plan package is limited to people aged 64 and under. If you’re aged 65 to 74, you’ll need to buy the likely more expensive Deluxe Package plan.
  • If you’re over age 64, you’re required to fill out a medical questionnaire for a multi-trip annual plan.

Air Canada Travel Insurance Plans

Air Canada insurance officially offers seven different travel insurance plans. All of Air Canada’s travel insurance plans are underwritten by RBC Travel Insurance* (check out our review of RBC travel insurance here). When you get a quote, you’ll be transferred to the RBC travel insurance quote system.

Air Canada’s current travel insurance plans are:

  • Single Trip Classic Medical Plan (under 65 years of age)
  • Multi-Trip (Annual) Classic Medical Plan
  • Single Trip Deluxe Package (age 74 or under)
  • Multi-Trip (Annual) Deluxe Package
  • Travel Within Canada Plan
  • Non-Medical Package (which includes Air Canada baggage insurance)
  • Trip Cancellation Plan
  • Visitors to Canada Plan

Classic Medical Plan – Single Trip

The Classic Medical Plan is for people aged 64 or under who want unlimited coverage for emergency medical expenses while travelling.

It includes unlimited cover for medical benefits, but does not include Air Canada cancellation insurance.

Classic 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.

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 gives protection from costs from sickness, injury or any other unexpected event that leads to cancellation or disruption of a planned flight.

Non-Medical Package

The Non-Medical plan does not include any emergency medical travel insurance. Instead, it includes trip interruption, trip cancellation, as well as baggage & personal effects insurance, flight accident insurance, Air Canada flight insurance, and other benefits.

Deluxe Package – Single Trip

The Deluxe Package plan is created for people age 74 years and younger who are traveling outside Canada.

It includes unlimited unlimited emergency medical insurance, baggage & personal effects insurance, travel accident insurance among other benefits.

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.

Travel within Canada Package

Designed for people traveling only within Canada, this plan includes unlimited emergency medical insurance, trip interruption and cancellation, and flight accident insurance among other benefits.

Visitors to Canada Plan

We didn’t see visitors to Canada insurance on the main page for the Air Canada travel insurance plans, but it was an option on the quote page. You’ll need to call Air Canada for a custom quote if you’re age 85 or older. This is a single trip plan, that includes emergency medical insurance, with several choices of medical insurance coverage and deductible.

Air Canada Vacations travel insurance

If you browse the Air Canada vacations website, you’ll find travel insurance options, including Deluxe Package, Non-Medical package, Classic Medical Plan, Travel within Canada package, and Cancellation & Interruption Plan.

We assume that the Air Canada vacations cancellation insurance and other types of insurance in this section of the website are the same as on the main Air Canada travel insurance page. As always, contact your broker to find out the details of your specific policy.

Comparison of Air Canada Travel Insurance Plans

PlanMedical Insurance CoverageDeductibleTrip Cancellation and InterruptionBaggageMaximum Age
Classic Medical Plan – Single TripUnlimitedvariableage 64 and under
Classic Medical Plan – Multi-trip AnnualUnlimitedvariableage 64 and under
Cancellation and Interruption PackagevariableNo age limit
Non-medical PackagevariableNo age limit
Deluxe PackageUnlimitedvariable74 and below
Deluxe Package Multi-trip AnnualUnlimitedvariable74 and below
Travel within Canada PackageUnlimitedvariableNo age limit

Tips for Saving with Air Canada Travel Insurance

If you are a regular traveler, the multi-trip plans can be a cheaper solution than multiple single trip plans. For a discussion of multi-trip vs. single trip plans, check out this post we wrote.


Requests for refunds must be submitted to the representative that you purchased the policy from. You can only get a refund if your trip is cancelled before you depart on your trip, and there hasn’t been a claim. See your policy for details.

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.
  • You have to be a Canadian citizen to be covered. Emergency medical and other Air Canada health insurance benefits max out at $20,000 if you do not have valid government health insurance plan coverage.
  • You can’t buy this insurance once you’ve left on your trip. Check out World Nomads for coverage after you’ve left on your trip.
  • *Air Canada Travel Insurance products are underwritten by the RBC Insurance Company of Canada. Baggage and Personal Effects Insurance is Underwritten in Quebec by RBC General Insurance Company.

How to Buy

You can fill an online quote and purchase your plan online. You’ll be taken from the Air Canada site to the RBC Insurance website to purchase. You can also call 1-888-247-2262 or 1-800-361-8071 (toll free) for the visually impaired.

Click here to compare quotes now with other plans on Kanetix, which will let you compare quotes for travel insurance from several different companies at once.

Want to Compare Air Canada’s Travel Insurance Rates?

The easiest way to compare Canadian travel insurance rates is to use a comparison website.

Click here to compare quotes now

Comparison websites, like, let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. Check out our review of

Still looking? Check out our reviews of Tugo travel insurance, BMO travel insurance, and Blue Cross travel insurance, and our helpful post that answers the question what type of travel insurance do I need?

Click here to see a list of all of our Canadian travel insurance reviews.

As always, the information in this post is from one traveller to another and please remember, we are not travel insurance agents. We have spent years abroad and have gotten to know the ins and outs of the industry, however, if you have any travel insurance questions, please talk to a qualified travel insurance agent or broker. Finally, always consult your insurance policy since that is the legal document to which you are agreeing.