The Top 5 Benefits of Travel Insurance

Family jumping for joy on the beach on vacation

2min read

Published 21 March 2023

Flight Centre Author

Marketing Specialist


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What ignites your spark to travel? Do you love seeing far-flung destinations? Are you a sun worshipper or jet setting foodie? Travellers love a good adventure and there are so many fantastic reasons to get out and explore the globe, but unfortunately things can sometimes go awry when you’re travelling. You wouldn’t drive your car without insurance, or live in an uninsured home, so why would you travel without insurance?

We all like to have a game plan and make sure we’re thinking about all the “what ifs” when we’re planning travel, but situations can arise that are unexpected while out and about in the world. Buying travel insurance is a reliable way to ensure you’re protected against some of these unforeseen mishaps that may occur. You wouldn’t leave on vacation without your underwear, toothbrush, and passport, and travel insurance is another important component to pack in your carry-on. Learn more about Allianz Global Assistance’s travel insurance solutions to protect your trip in the moments you need it most.

Woman traveller looking at flight boards at the airport for delays with her paperwork in hand
Woman traveller looking at flight boards at the airport for delays with her paperwork in hand
Woman traveller looking at flight boards at the airport for delays with her paperwork in hand

1. If something unexpected happens, you can worry less knowing you have insurance coverage

As we’ve all realized over the past few years, unexpected things can happen that impact your travel plans. Whether it’s an unforeseen illness, accident, weather-related issue, or something happens while you’re abroad, no one ever wants to cancel a trip at the last minute or have plans change on the fly, but things happen. Some travel operators will offer packages inclusive of protection, but often, the ability to get refunds or protection before you leave or while you’re on vacation are not available through your tour, cruise, all-inclusive package, or flights.

Unexpected situations do happen and having travel insurance can prevent losing money you’ve invested in your trip, out-of-pocket expenses while you are away, or undue stress overall. Travel insurance can help by covering eligible costs related to:

  • Emergency medical care
  • Cancellation or interruption of your trip
  • Baggage issues such as theft or loss
Person's hand filling out travel insurance forms with travel documentation and boarding pass on desk
Person's hand filling out travel insurance forms with travel documentation and boarding pass on desk
Person's hand filling out travel insurance forms with travel documentation and boarding pass on desk

2. If you get sick or hurt while travelling, you can get medical care without incurring out-of-pocket expenses

Travel unleashes the inner explorer in us all. Whether it’s ziplining in Costa Rica, abseiling into a cenote in Mexico, cycling through the streets of Spain, or snorkelling at the Great Barrier Reef in Australia, the world has a lot of adventure to offer. While these types of activities are guaranteed to provide life-long memories, they may also lead to unfortunate accidents such as broken bones, head injuries, cardiac events, and other medical emergencies.

When you’re away from home it’s not always easy to receive medical treatment in other countries, and it may be more than your Canadian health coverage or personal benefits packages cover. Many countries require upfront cash payments for medical treatments which is why it’s important to consider purchasing Allianz Global Assistance travel insurance solutions inclusive of Emergency Hospital & Medical coverage. It may cover the unexpected costs of medical procedures, emergency medical transportation services, direct billing, and more.

3. If you need to cancel your trip due to unforeseen circumstances, you can be reimbursed

With Allianz Global Assistance’s Trip Cancellation & Interruption Package Plans if something unforeseen happens like a family emergency, natural disaster, or other personal issues arise your travel insurance plan may protect you or reimburse you for pre-paid costs. Your Flight Centre Travel Consultant can help build you a travel insurance quote that fits your needs.

Black luggage bag sitting alone and unattended on a baggage carousel at the airport
Black luggage bag sitting alone and unattended on a baggage carousel at the airport
Black luggage bag sitting alone and unattended on a baggage carousel at the airport

4. If you lose your luggage, you can replace essential items

It’s always stressful if you arrive in your destination and your luggage doesn’t arrive with you or it gets lost between the airport and your hotel. While losing your baggage isn’t the biggest issue that could arise on vacation, it certainly adds stress when you’re looking forward to relaxing or getting into your time away from home. Not to mention, if the luggage isn’t safely returned, you will need to replace all your personal belongings that were inside of it.

In these situations, travel insurance plans inclusive of baggage coverage can help you purchase essential items or recover the value of your lost, damaged, or stolen luggage. Be sure to carefully read and understand your policy and keep lists of the items you bring with you on your trip in case you do need to file a baggage claim. Another tip is to include a smart tag or GPS tracker within your luggage to help identify the location or condition of your bag.

Hand on luggage with travel documents
Hand on luggage with travel documents
Hand on luggage with travel documents

5. If you need assistance, you can chat directly with a travel consultant

Whether it’s before you take off, while you’re in destination, travelling alone, with friends or your family the Allianz Global Assistance team will be right there with you. Our Travel Consultants can help after hours while you’re on your trip, and the Allianz Global Assistance team is available 24 hours a day, 7 days a week, 365 days a year.

Dealing with the aftermaths of a natural disaster? Facing a medical emergency? No matter what (or when) a problem arises, you can trust that there will be a dedicated consultant available to help make things right.

No matter where you choose to go and explore, Allianz Global Assistance ensures your epic adventures are protected. Call a Flight Centre Travel Consultant at 1-877-967-5302 for more information on the plans and coverage available. Our Travel Consultants can give you a quote and find the insurance policy that’s right for you and your trip.

Disclaimer/Disclosure: This sponsored story was written by Flight Centre Canada on behalf of Allianz Global Assistance.

Travel insurance does not cover everything. For complete terms, conditions, limitations, and exclusions, please refer to the policy. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and distributed by Flight Centre Travel Group Canada Inc.

Allianz Global Assistance does not tolerate any attempt of fraud and considers it a serious offence. Allianz Global Assistance strictly enforces a zero-tolerance policy regarding fraud.

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