Travelance travel insurance review (2026): Coverage, costs, pros & cons

What is Travelance travel insurance?

Travelance offers a range of travel insurance plans to protect Canadians travelling outside their home province or internationally against unexpected medical emergencies and travel-related disruptions. Choose from single-trip or annual coverage, with options ranging from standalone emergency medical insurance to comprehensive travel insurance.

Depending on the policy you choose, coverage may include emergency medical benefits, trip cancellation and interruption, or a combination of both. One of the key offerings is the Youth Premier plan, designed for travellers under 30.

Travelance travel insurance: At a glance

Types of travel insurance plans offered by Travelance travel insurance

Travelance travel insurance offers a wide range of plans for travelling Canadians, with a range of benefits that cover common travel-related incidents. The insurer offers medical-only, non-medical, and comprehensive travel insurance plans.

Meanwhile, the All-Inclusive plans combine medical and non-medical plans to offer a comprehensive package that includes emergency medical coverage alongside trip interruption, baggage, travel delay, and other non-medical benefits. 

Here’s an overview of the different Travelance travel insurance plans:

Emergency medical plans

Travelance’s Emergency Medical plans are designed for travellers who primarily want protection against unexpected medical emergencies while away from home. These plans offer coverage for hospital expenses, emergency transportation, and other eligible medical costs that you might incur during your travel.

Depending on the frequency of your travel, Travelance offers the following emergency medical plans:

• Single Trip Emergency Medical
• Annual Emergency Medical

Here’s a comparison of the two emergency medical plans offered by Travelance travel insurance:

Trip Cancellation & Interruption plan

The Travelance non-medical Trip Cancellation & Interruption plan is ideal for travellers who already have emergency medical coverage or are just seeking to protect their travel investments. The insurer provides a comprehensive plan that covers trip cancellation, interruption, and other areas.

Here’s an overview of the Trip Cancellation & Interruption plan offered by Travelance travel insurance:

All-Inclusive plans

For travellers looking for broader protection, Travelance’s All-Inclusive plans combine medical and travel-related benefits into a single policy. They are the most comprehensive option for travellers seeking broad financial protection. 

Based on the frequency of your travel, Travelance offers the following all-inclusive plans:

• All-Inclusive
• All-Inclusive Canada
• Annual All-Inclusive

Here is a comparison of the different all-inclusive plans offered by Travelance travel insurance:

While the All-Inclusive and Annual All-Inclusive plans support international travel, the All-Inclusive Canada plan is designed only for travel within Canada.

Youth Premier plan

Travelance Youth Premier is a comprehensive travel insurance plan designed specifically for Canadian travellers under 30. The plan combines medical and non-medical benefits to create a package tailored for younger travellers, students, and backpackers.

Here’s an overview of the Youth Premier plan by Travelance travel insurance:

Pros and Cons of Travelance Travel Right Travel Insurance

Does Travelance offer family travel insurance?

Yes, Travelance offers family coverage on eligible travel insurance plans for Canadians, allowing qualifying family members travelling together to be insured under the same policy. It is available on select Emergency Medical and All-Inclusive plans, provided they meet the plan’s eligibility requirements and satisfy the insurer’s underwriting conditions where applicable.

To qualify for family coverage:

• Each traveller must be covered under a valid provincial or territorial Government Health Insurance Plan (GHIP), where required by the plan.
• All insured family members must satisfy the applicable medical eligibility requirements
• Family members must qualify under the policy’s definition of a family and be insured under the same eligible policy.

Who is eligible for Travelance travel insurance?

Any Canadian resident with active provincial or territorial health coverage who is travelling outside their home province or outside Canada and who meets Travelance’s requirements is eligible for these travel insurance plans. However, eligibility, age restrictions, medical stability requirements, and policy exclusions vary by plan and chosen riders.

Here’s an overview of the general eligibility requirements for the different Travelance travel insurance plans:

Note: Refer to the policy wording for the full list of eligibility requirements.

How much does Travelance travel insurance cost?

The cost of Travelance travel insurance depends on your plan, trip length, and the riders you select with your policy. It can range from $100 to $530.00.

Here’s a sample travel insurance premium for a traveller on a 30-day trip from Canada to the United States:

Disclaimer: Illustrative premiums for multi-trip annual Emergency Medical plans ($10 million coverage) and a Trip Cancellation & Trip Interruption plan (based on a $2,000 trip cost). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

Are there any exclusions or limitations to Travelance travel insurance? 

Yes, there are certain exclusions and limitations in the different plans under Travelance Travel Right travel insurance, such as medical tourism, travelling against medical advice, and pregnancy-related complications. While the plans offer comprehensive emergency coverage, certain conditions and situations are not covered. 

Here’s an overview of the general exclusions and limitations of Travelance travel insurance:

Note: This list summarizes the most common exclusions found across Travelance travel insurance plans. Coverage varies by policy, so it is recommended to refer to the applicable policy wording for complete exclusions, limitations, and definitions.

How to file a claim with Travelance travel insurance?

If you experience a medical emergency or another covered loss during your trip, contact the Travelance Assistance Provider as soon as possible to begin the claims process.

Here’s how you can file a claim with Travelance during your trip:

• Contact the Assistance Centre immediately: Contact the Assistance Centre in Canada and the United States toll-free at 1-888-526-0111, or direct at 905-523-4731. Failure to notify the Assistance Centre within 24 hours may result in you being responsible for 30% of eligible expenses
• Obtain pre-approval: Certain medical services and benefits require prior authorization through the Assistance Centre. Failure to obtain prior approval where required may reduce or limit your coverage.
• Submit your claim: You can visit the online portal at www.oldrepubliccanada.com/Claims/TAI to submit your claim online or download the form and mail the documents.
• Submit proof of claim: All proofs of claim must be submitted within 12 months. They should include the completed claim form, bills, and other supporting documents

Can you cancel or get a refund on Travelance travel insurance?

Yes, Travelance allows policy cancellations and refunds only within the 10-day free-look period. Any cancellations beyond that do not offer a refund of the premium to the applicant.

Can you extend your Travelance travel insurance policy?

If your trip lasts longer than originally planned, you may be able to extend your Travelance travel insurance coverage before your policy expires. However, extensions are subject to eligibility requirements and approval by the insurer.

Here’s what you need to know about extending your Travelance travel insurance policy:

• Request the extension before policy expiration: Extension requests must be submitted before your existing coverage ends. Coverage cannot be extended after your policy expires
• No claims or medical treatment: You must not have made a claim, experienced an injury or illness (including symptoms of an undiagnosed condition), or received medical treatment during your trip
• Maximum coverage limits apply: The total coverage period, including the extension, cannot exceed the duration of your provincial or territorial health insurance eligibility or the maximum trip length allowed under your plan. Additionally, coverage cannot be extended beyond 12 months from the original departure date.
• Disclosure of medical information: Failure to disclose relevant medical information may void the coverage extension.

Additionally, Travelance travel insurance offers automatic extensions in certain situations. Coverage may automatically extend if your common carrier is delayed, you are hospitalized on your expiry date, or a covered medical emergency prevents you from returning home as scheduled, subject to policy limits.

How does Travelance compare to other travel insurance providers?

While many of Canada’s leading travel insurers focus on extended coverage, premium benefits, or specialized travel needs, Travelance stands out for offering comprehensive coverage for healthy travellers. The ability to add standalone plans or benefits alongside the base plan allows applicants to design coverage to meet their needs.

Additionally, the 17-day or 31-day annual options in multi-trip plans allow visitors to comfortably travel without being restricted by the number of days. The higher limits for trip delay and accidental emergencies make it great for travellers seeking a well-rounded protection plan.

For a detailed comparison of the best travel insurance plans, check out our list of the Best travel insurance companies in Canada.

Our advisor’s take on Travelance travel insurance

At PolicyAdvisor, we recently assisted a 54-year-old traveller planning a two-week vacation to Italy. They were seeking comprehensive travel insurance that would protect them against unexpected medical emergencies, alongside protection from trip cancellations and unexpected travel delays.

Client profile

• Age: 54 years
• Purpose of travel: Two-week vacation in Italy
• Primary concern: Comprehensive protection for emergency medical expenses and unexpected travel disruptions
• Coverage needed: Travelance Single-Trip All-Inclusive plan

Why we recommend Travelance travel Insurance

We recommended this plan because it offers:

• Up to $10 million in emergency medical coverage for eligible medical expenses
• Coverage for trip delays, baggage and personal effects, baggage delay, and travel accidents under a single policy 
• 24/7 emergency travel assistance, including emergency medical evacuation and coordination of care 
• 10-day free-look period with full refund eligibility

How to purchase Travelance travel insurance in Canada

PolicyAdvisor’s licensed travel insurance advisors can help you compare Travelance travel Insurance plans based on your destination, trip length, age, medical history, and coverage needs.

Whether you are heading abroad for a vacation or planning multiple trips throughout the year, our advisors at PolicyAdvisor can guide you through Travelance’s coverage options and policy limits to help you purchase the right travel insurance.

Frequently Asked Questions

Does Travelance travel insurance cover pre-existing medical conditions?

Yes, some Travelance travel insurance plans cover stable pre-existing medical conditions if you meet the applicable stability requirements.

Does Travelance travel insurance cover trip cancellation?

Yes, trip cancellation coverage is available through Travelance’s Trip Cancellation & Interruption and All-Inclusive plans. Benefits are payable if you cancel or interrupt your trip for a covered reason as per the policy.

How much travel medical coverage does Travelance travel insurance provide?

Coverage limits vary by plan. Depending on the policy you purchase, Travelance offers emergency travel medical coverage of up to $10 million for eligible medical emergencies while travelling.

Does Travelance travel insurance cover baggage loss or delays?

Yes, but only under plans that include travel benefits, such as the All-Inclusive, All-Inclusive Canada, and Annual All-Inclusive plans.

Does Travelance travel insurance offer Cancel for Any Reason (CFAR) coverage?

No, Travelance travel insurance plans do not offer Cancel for Any Reason (CFAR) coverage as a benefit or rider.

Can I extend my Travelance travel insurance policy?

Yes, eligible policies may be extended before they expire, subject to approval, continued eligibility, and payment of the required premium.

Does Travelance cover trip cancellation and interruption?

Yes, Trip Cancellation & Interruption benefits are available through the standalone Trip Cancellation & Interruption, All-Inclusive, and Youth Premier plans of Travelance travel insurance.