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TIPS Travel Insurance

Canada's Widest Range of Super Visa Insurance and other Visitor to Canada Products

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TIPS Travel Insurance - Protecting your world. TIPS Travel - Protecting your world. Underwritten by Old Republic Insurance Company of Canada100 King St W Hamilton ON L8N 3K9

TIPS offers a complete line of Travel Insurance products including:

All Inclusive Worldwide Plan

The All Inclusive Worldwide Plan provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident and travel accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
All Inclusive Worldwide Plan - Last Minute
The All Inclusive Worldwide Plan provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident and travel accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Ultimate Upgrade Rider
(applicable only to Trip Cancellation and Trip Interruption Coverages)

If you cancel your trip, policies providing trip cancellation/trip interruption coverage will only cover those events listed in the policy. With the Ultimate Upgrade, you can cancel your trip at any time prior to departure or you may interrupt your trip at any time after departure for an unforeseen event affecting your trip that is not already listed in the policy.

Available in conjunction with:

  • ALL INCLUSIVE WORLDWIDE PLAN
  • CANADA PACKAGE PLAN
  • NON-RESIDENT PACKAGE PLAN
  • NON-MEDICAL PACKAGE PLAN
  • TRIP CANCELLATION PLAN

When It Applies

This upgrade rider is applicable if you must cancel your covered trip before the departure date or interrupt your covered trip while you are travelling. This is only available for covered trips that have a maximum sum insured of up to $15,000 per person. Both the applicable plan and this rider must be purchased within 7 days of the initial covered trip booking date.

What We Cover

Whenever you or your travelling companion are prevented from taking or completing your covered trip due to an unforeseen event that occurs after the effective date of this upgrade that is not otherwise covered by the policy.

Only 5 Exclusions Apply:

There is no coverage and no benefits will be payable for any claim arising from:

  1. Your or your travelling companion`s pre-existing condition that was not stable and controlled on the purchase date of the policy. Coverage is not provided for any claims arising from your or your travelling companion`s:
    • HEART CONDITION INVOLVING THE TAKING OF NITROGLYCERINE MORE THAN ONCE PER WEEK FOR THE RELIEF OF ANGINA;
    • LUNG CONDITION TREATED WITH HOME OXYGEN OR THE TAKING OF ORAL STEROIDS (PREDNISONE OR PREDNISOLONE)
  2. Any event giving rise to a claim which is foreseen at the time of purchasing this insurance;
  3. Voluntary cancellation or interruption of travel for any reason, including loss of enjoyment;
  4. Fraud, concealment, or deliberate misstatement in relation to any matter affecting this insurance;
  5. Participation in a crime, malicious act, riot or insurrection.
All Inclusive Canada Plan
The All Inclusive Canada Plan is restricted for travel within Canada providing coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, airflight accident and travel accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Non-Medical Package Plan
The Non-Medical Plan provides coverage for cancellation, interruption, trip delay, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident and travel accident. There is no coverage for Emergency Medical. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
All Inclusive Annual Plan
The All Inclusive Annual Plan provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident and travel accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Emergency Medical Plan
The Emergency Medical Plan provides coverage outside the insured’s province/territory of residence for emergency hospital & medical, emergency medical evacuation/return home, repatriation of remains and burial at destination. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Annual Emergency Medical Plans
The Annual Emergency Medical Plan provides coverage for one full year for any number of trips outside the insured’s province/territory of residence for emergency hospital & medical, emergency medical evacuation/return home, repatriation of remains and burial at destination. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Visitors To Canada Emergency Medical Plan
The Visitors to Canada Emergency Medical Plan provides coverage for non-residents of Canada visiting Canada for emergency hospital & medical, emergency medical evacuation/return home, repatriation of remains and burial at destination. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Baggage and Personal Effects Plan
The Baggage & Personal Effects Plan provides coverage for baggage & personal effects, baggage delay and passport loss. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Cancellation/Interruption Plan
The Cancellation/Interruption Plan provides coverage for cancellation, interruption and trip delay. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Airflight Accident Plan
The Airflight Accident Plan provides coverage for accidental death or dismemberment as a result of an injury sustained during the period of coverage while riding as a passenger on a scheduled or chartered air flight operated by a licensed carrier. Coverage includes travel to and from airports on a scheduled helicopter shuttle service connecting with an insured flight. Coverage is also provided on airport premises or when travelling on carrier or airport authorized bus or limousine service. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Rental Vehicle Damage Protection
The Rental Vehicle Damage Protection Plan provides for up to $50,000 liability coverage for physical loss or damage to a rental vehicle for which the insured may be liable. Such vehicle must be rented through a licensed Canadian travel agency through whom the Insured’s trip is booked. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Cruise Package Plan
The Cruise Package Plan is exclusively designed for individuals taking a cruise. It provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident, travel accident and rental vehicle damage protection. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Cruise Package Plan - Last Minute
The Cruise Package Plan is exclusively designed for individuals taking a cruise. It provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident, travel accident and rental vehicle damage protection. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Non-Medical Cruise Package Plan
The Non-Medical Cruise Package Plan is exclusively designed for individuals taking a cruise without the requirement of emergency medical coverage. It provides coverage for cancellation, interruption, trip delay, baggage & personal effects, baggage delay, personal money loss, passport loss, airflight accident, travel accident and rental vehicle damage protection. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Youth Premier Package Non-USA
Youth Premier Package Plan Non-USA provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport/travel visa loss, travel ticket loss and airflight accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions. Travel must be to non-USA destinations.
Youth Premier Package USA
Youth Premier Package Plan USA provides coverage for cancellation, interruption, trip delay, emergency medical, baggage & personal effects, baggage delay, personal money loss, passport/travel visa loss, travel ticket loss and airflight accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Youth Standard Package Non-USA
Youth Standard Package Plan Non-USA provides coverage for cancellation, interruption, trip delay, emergency medical and airflight accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions. Travel must be to non-USA destinations.
Youth Standard Package USA
Youth Standard Package Plan USA provides coverage for cancellation, interruption, trip delay, emergency medical and airflight accident. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Youth Emergency Medical Plan Non-USA
Youth Emergency Medical Plan Non-USA provides coverage outside the insured’s province/territory of residence for emergency hospital & medical, emergency medical evacuation/return home, repatriation of remains and burial at destination. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions. Travel must be to non-USA destinations.
Youth Emergency Medical Plan USA
Youth Emergency Medical Plan USA provides coverage outside the insured’s province/territory of residence for emergency hospital & medical, emergency medical evacuation/return home, repatriation of remains and burial at destination. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.
Youth Trip Cancellation
Youth Trip Cancellation Plan provides coverage for cancellation, interruption and trip delay. Please see the policy for complete details of benefits, exclusions, limitations, terms and conditions.

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