Our Comprehensive Trip Cancellation Insurance | AMA Travel

AMA Travel’s Trip Cancellation and Trip Interruption Insurance

Our travel cancellation insurance covers a broad range of instances that you can’t plan for.

  • Hit a bad snowstorm that reschedules your flights, forcing you to miss two days at your all-inclusive resort? The airline isn’t responsible for bad weather, so they won’t reimburse you. However, AMA Travel can make sure you get reimbursed for the days you missed.
  • Your brother’s wife’s baby comes a few weeks early? You don’t have to choose between baby’s first breath and the thousands you put down to visit Puerto Vallarta.
  • If you run a business and someone breaks in, you can stay behind to take care of the legal issues, without having to lose the money from your vacation.

Not only does AMA Travel Insurance cover the cost of the days you missed if you’re forced to cancel unexpectedly, but it also covers any other costs associated with needing to come home early (including accommodations, flights, meals, and more).

The 33 Cancellation Reasons Covered by AMA Travel

We wanted to make sure you could be looked after in almost any situation. To that end, here are the 33 risks we cover, each taken directly from the AMA Travel Insurance Policy book.

Sickness, Injury, Quarantine, and Death

Whether you’re concerned about a pre-existing condition flaring up, or there’s a virus outbreak at your all-inclusive, you can feel better knowing you’re covered in all these unexpected circumstances.

  1. You or your travel companion develops a medical condition.
  2. Your immediate family member or your key-person, your travel companion’s immediate family member or their key-person, develops a medical condition or your friend or your travelling companion’s friend is admitted to a hospital with an emergency.
  3. A medical condition which, in the written opinion of the attending physician, prevents you or your travel companion from participating in a sporting event when the purpose of your trip was to participate in that sporting event.
  4. You or your travel companion are medically unable to receive an injection or medication that is suddenly required for entry into a country, region or city originally ticketed in your travel arrangements provided that such requirement was not mandatory on the date of application for insurance.
  5. You, your spouse, your travel companion or your travel companion’s spouse are quarantined.
  6. The person whose guest you will be during your trip is quarantined, admitted to a hospital in an emergency or passes away.
  7. You or your travel companion passes away.
  8. Your immediate family member or your key-person, your travel companion’s immediate family member or their key-person passes away.
  9. You or your travel companion’s friend passes away.
  10. You are required to interrupt your trip to attend a funeral or go to the bedside of a hospitalized immediate family member.

Get Travel Medical Insurance

Going abroad? Don’t forget to buy travel medical insurance. It can save you a bundle, and makes sure your loved ones are looked after in an emergency, even your pets!

Learn More

Pregnancy or Adoption

Expecting a baby? Expecting your sister’s baby? No problem. We want you to be able to celebrate that birth without sacrificing your trip.

  1. You, your spouse, your travel companion or your travel companion’s spouse:
    1. become pregnant after you book your trip and your departure date falls in the nine weeks of the expected delivery date or any time after that date
    2. are advised by the attending physician against travel during the first trimester of pregnancy
    3. experience complications in the first 31 weeks of pregnancy and the attending physician advises against travel.
  2. The early and unexpected birth of your immediate family member not travelling with you during your trip.
  3. You, your spouse, your travel companion or your travel companion’s spouse legally adopts a child and the adoption notice was received after the effective date.

Accommodations or Transportation

It can’t be helped if your accommodations go up in smoke or if your airline goes on strike unannounced. That’s why we made sure you’re covered.

  1. You, your spouse, your travel companion or your travel companion’s spouse are unable to occupy your/their principal residence because of an event that is independent of any intentional or negligent act on your/their part.
  2. You, your spouse, your travel companion or your travel companion’s spouse are unable to operate your/their place of business because of an event that is independent of any intentional or negligent act on your/their part.
  3. You or your travel companion’s principal residence or place of business is burglarized within seven days of the departure date or during your trip.
  4. Fire, vandalism, burglary or other disaster renders your trip destination accommodations uninhabitable for the period of your trip.
  5. Cancellation of a pre-paid coach tour included in your trip (for any reason except default) prior to your originally scheduled departure date: we will reimburse you up to $2,500 for the non-refundable prepaid airfare of the common carrier that you booked to connect with the cancelled coach tour.
  6. Cancellation of a flight by an airline carrier that is providing a portion of your trip: we will reimburse you up to $1,000 for the non-refundable prepaid airfare of a domestic flight (covers flights booked for travel within Canada only) that you had booked to connect with the cancelled flight.
  7. An unannounced strike by your common carrier for which you hold a valid ticket on.
  8. Your primary reason for the trip is to attend a wedding, funeral or school graduation ceremony, or other commercial entertainment event for which you have purchased tickets, and the scheduled time of arrival is delayed for a reason beyond your control.

Weather

No one can control the weather, but you can control your cancellation. If your cancelled flights eat into a majority of your trip, you can be refunded for the whole thing.

  1. Weather conditions, earthquakes or volcanic eruptions cause the scheduled common carrier, which you or your travel companion are travelling on, to be delayed for a period of at least 30% of your trip. If the delay is less than 30%, you may have other protection under the Misconnection & Travel Delay Benefit.

Are You a Smart Traveller?

Did you know you can keep your shirt collars crisp in your luggage by lining them with a belt?

If you want great travel tips on everything from when to buy your cruise to how to pack to make the most room in your luggage, our trove of Smart Traveller Tips curated by our team of travel experts will make your next trip as smooth as possible.

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Employment and Education Obligations

Doctors, nurses, police, firefighters, and other service workers need a vacation more than anybody. However, sometimes duty calls. We want to support our service people by making sure they can have some assurance that, if they can’t have their trip, they can at least get their money back.

  1. You, your spouse, your travel companion or your travel companion’s spouse are called to essential emergency service as a reservist, firefighter, emergency medical personnel, police force or armed forces during your trip.
  2. You, your spouse, your travel companion or your travel companion’s spouse involuntarily lose a permanent job (excluding contract or self-employment) due to layoff or dismissal without just cause, when actively employed with the same employer for at least six months prior to the application for insurance.
  3. You, your spouse, your travel companion or your travel companion’s spouse are transferred by your/their respective employer and must move from your/their respective principal residence (the person who is relocated must be a full-time active employee with that same employer for this benefit to apply).
  4. Cancellation of your or your travel companion’s business meeting, conference or convention that is the main intent of your trip and was scheduled before you purchased this insurance, provided the cancellation is for a reason beyond your control or the control of your employer. This event must be between companies with unrelated ownership and, in the case of a conference or convention, you or your travel companion must be a registered delegate.
  5. The requirement that you or your travel companion attend a university or college course examination on a date that occurs during your trip, provided that the examination date which was published prior to your application for insurance, was subsequently changed after your travel arrangements were made and after you purchased this insurance.
  6. The rescheduling of university or college classes of you or your travel companion to a date that occurs during your trip due to circumstances beyond your or your travel companion’s control provided that both the unusual circumstances and the resulting rescheduling occurred after you purchased this insurance.

Learn about Travel Medical Insurance from an Expert

Curious about what Alberta Health Care already covers? How we handle coverage for pre-existing conditions? The average costs of emergencies? We have a video just for that.

Learn about all the above (and more!) from our travel insurance expert Pam Murray. We broke down her recent talk on our travel medical insurance into segments so you can find the information you’re looking for, and hear it straight from a professional.

Watch Video

Government and Legal

VISAS. They’re the worst (necessary, but the worst). If your international trip is hit with a snafu because your visa wasn’t issued in time for a reason beyond your control, then the only thing you have to worry about is rescheduling.

  1. Your or your travel companion’s travel visa is not issued for a reason beyond your/their control.
  2. Your or your travel companion’s passport is not issued within the time confirmed to you/them in writing by Passport Canada. This applies only to Canadian citizens.
  3. You, your spouse, your travel companion or your travel companion’s spouse are, during your trip:
    a) called to jury duty
    b) subpoenaed to be a witness
    c) required to appear as a defendant in a civil suit.
  4. Global Affairs Canada issues a written formal warning after you purchase your insurance, advising or recommending that Canadian residents should not visit a destination included in your trip. This applies only to Canadian residents.

Hijacking

Heaven forbid, but we wanted to make sure you were covered in almost any eventuality. So just in case…

  1. You, your spouse, your travel companion or your travel companion’s spouse are hijacked.

Make Sure That You’re Insured

It’s not a vacation if you’re worried the whole time. It’s important to us that you have a relaxing, energizing vacation, and that means being educated, knowing exactly what you’re getting, and knowing you have somewhere to turn if things don’t go to plan!

If you want to learn more about our travel insurance, download the AMA Travel Insurance policy book, or contact one of our travel agent insurance experts. They can explain our policy in clear detail, so you know exactly what you’re getting.

About the Author
Caleb Caswell
Caleb Caswell is the digital copywriter for AMA Travel. When travelling, he enjoys not making plans and expanding his wardrobe. His top travel recommendation is trying Japan’s raw-chicken tataki. C’mon, live a little.