Air Canada is the largest full service airline in Canada, with more than 35 million passengers each year. Air Canada is a founding member of the Star Alliance network.

Advantages

  • Offers a travel insurance plan without an age limit (the site says up to 74 however the policy itself doesn’t say that)
  • Online quote is hassle-free to complete
  • Whenever possible, Air Canada Travel Insurance will pay payments upfront for hospital expenses and emergency medical bills, thereby avoiding out of pocket of expenses.

Disadvantages

  • The Classic Medical Plan package is limited to people aged 59 and under. If you’re 60 or over, you’ll need to buy the more expensive Deluxe Package plan.
  • It seems there are more choices once logged into the system than just what the Air Canada page shows so options can get a tad confusing

Air Canada Travel Insurance Plans

Air Canada 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).

Air Canada’s current travel insurance plans are:

  • Single Trip Classic Medical Plan
  • Multi-Trip (Annual) Classic Medical Plan
  • Single Trip Deluxe Package
  • Multi-Trip (Annual) Deluxe Package
  • Travel Within Canada Package
  • Non-Medical Package
  • Trip Cancellation & Interruption Plan

Classic Medical Plan – Single Trip

The Classic Medical Plan is for people aged 59 and under who want unlimited coverage for emergency medical expenses while travelling.

It includes unlimited cover for medical benefits, a maximum of $500 for hospital allowance, $300 for emergency services (e.g. chiropractor or physiotherapist), $1,750 subsistence allowance, and unlimited cover for repatriation of the deceased, $300 for emergency dental treatment, $500 for the return of baggage and $500 for the return of a dog or cat, among other benefits.

Classic Medical Plan – Multi-Trip Annual

The Mutli-trip Annual Classic Medical Plan gives emergency medical coverage for an unlimited number of trips taken within a 365 day period with a maximum duration of each trip either 9 or 16 days, depending on the plan chosen. This plan doesn’t include trip interruption, cancellation or baggage coverage. The fee varies when choosing between the 9 and 16 day plans.

This plan for people aged 59 and under who want unlimited coverage for emergency medical expenses while traveling. It includes unlimited cover for medical benefits, a maximum of $500 for hospital allowance, $300 for emergency services (e.g. chiropractor or physiotherapist), $1,750 subsistence allowance, and unlimited cover for repatriation of the deceased, $300 for emergency dental treatment, $500 for the return of baggage and $500 for the return of a dog or cat, among other benefits.

Cancellation and Interruption Plan

The Cancellation and Interruption Plan does not include any medical travel insurance. It is strictly a cancellation and interruption policy.

This plan gives protection from costs arising from sickness, injury or any other unexpected event that leads to cancellation or disruption of a planned flight. A subsistence allowance maximum of $350 is available for trip interruption and $1,750 for a delayed return.

Non-Medical Package

The Non-Medical is package includes an unlimited amount for trip interruption, a maximum of $3,500 subsistence allowance, $1,000 for missed connection benefit, $1,000 for baggage and personal effects, and $50,000 travel accident insurance, and $100,000 flight accident insurance among other benefits.

Deluxe Package – Single Trip

The Deluxe Package plan is created for persons aged 74 years and younger who are traveling outside Canada. Though the site specifies an age limit, once filling out the questionnaires age doesn’t seem to matter so those aged over 74 and wanting to get this package should still apply.

It includes an unlimited maximum trip interruption allowance, a $3,500 subsistence allowance, a $750 travel coupon plan, $1,000 for loss of, damage and baggage, $400 for delay of baggage, $100,000 for flight accident insurance and $50,000 travel accident insurance among other benefits. It also includes unlimited emergency medical insurance.

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 between 9 and 16 day plans.

It includes an unlimited maximum trip interruption allowance, a $3,500 subsistence allowance, a $750 travel coupon plan, $1,000 for loss of, damage and baggage, $400 for delay of baggage, $100,000 for flight accident insurance and $50,000 travel accident insurance among other benefits. It also includes unlimited emergency medical insurance.

Travel within Canada Package

Designed for people traveling only within Canada, this plan  includes trip interruption and cancellation, unlimited emergency medical insurance, $400 for baggage delay, $100,000 for flight accident insurance and $50,000 for travel accident insurance among other benefits.

Comparison of Air Canada Travel Insurance Plans

PlanMedical Insurance CoverageDeductibleTrip Cancellation and InterruptionBaggageMaximum Age
Classic Medical Plan – Single TripUnlimitedvariableUp to $500 for return of excess baggage59 and below
Classic Medical Plan – Multi-trip AnnualUnlimitedvariableUp to $500 for return of excess baggage59 and below, coverage for 9 or 16 days
Cancellation and Interruption PackagevariableTrip cancellation up to the sum insured. Trip interruption up to the sum insured before departure, or $800, or $1,500, or unlimitedNo age limit
Non-medical PackagevariableTrip cancellation up to the sum insured. Trip interruption unlimited.$1000 (loss) $400 (delay)No age limit
Deluxe PackageUnlimitedvariableTrip cancellation up to the sum insured. Trip interruption unlimited.$1000 (loss) $400 (delay)74 and below
Deluxe Package Multi-trip AnnualUnlimitedvariableTrip cancellation up to the sum insured. Trip interruption unlimited.$1000 (loss) $400 (delay)74 and below coverage for multiple trips of a maximum of 9 or 16 days
Travel within Canada PackageUnlimitedvariableTrip cancellation up to the sum insured. Trip interruption unlimited.$1000 (loss) $400 (delay)No 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.
  • Minor children are free when traveling with paying adults (check your policy for details).

Refunds

Requests for refunds must be submitted to the representative that you purchased the policy from. If you return to your trip departure point before the due return date, premiums could be refunded if you show proof of the date of return and ensure you have no claim under the same policy.

You Need to Know

  • Air Canada Travel Insurance products are underwritten by the RBC Insurance Company of Canada.
  • You have to be a Canadian citizen to be covered. Emergency medical and other 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.
  • Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully.

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.

Want to Compare Air Canada’s Travel Insurance Rates?

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

Comparison websites, like Kanetix.ca, 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 Kanetix.ca.