Travel insurance in Ontario through CUMIS
Through CUMIS, YNCU members can explore travel insurance that helps protect them from unexpected costs before or during a trip, from medical emergencies to cancelled plans, delays, and lost luggage.
Emergency medical coverage options- Trip cancellation, interruption, and delay coverage
- 24/7 emergency travel assistance
What is travel insurance?
Travel insurance helps protect you from certain unexpected costs before or during a trip. Depending on your coverage, it can help with emergency medical care, trip cancellation or interruption, travel delays, lost luggage, travel accidents, and other covered situations. Through CUMIS, YNCU members can explore travel insurance administered by Allianz Global Assistance.
Travel insurance benefits through CUMIS
Emergency medical protection
Help cover eligible emergency medical treatment and services if unexpected sickness or injury happens while you’re away.
Trip cancellation and interruption coverage
Get coverage for certain prepaid travel expenses if you need to cancel, reschedule, or cut your trip short for a covered reason.Lost luggage and document support
Get help if your baggage, travel documents, or essential items are lost or stolen while travelling.24/7 emergency travel assistance
Access emergency travel support when you need help away from home.
Get a travel insurance quote in a few minutes from our CUMIS
You can request a travel insurance quote online through our partner, CUMIS to learn about coverages and costs.
What things can travel insurance cover?
Emergency medical care
Coverage may help with eligible medical treatment and services if you get sick or injured during your trip.
Trip cancellation
Coverage may help reimburse prepaid, non-refundable costs if you need to cancel your trip for a covered reason.Trip interruption
Coverage may help if your trip is interrupted after you leave and you need to return home early or change your plans.Travel delays
Coverage may help with certain unexpected delay costs, depending on your policy.
Lost or delayed luggage
Coverage may help repair or replace baggage, or help you buy essentials if your luggage is delayed.
Travel accident coverage
Coverage may be available if an accident during your trip causes a serious permanent injury or death.
Benefits vary by plan. Eligibility requirements, exclusions, limits and applicable deductibles apply. Pre-existing medical conditions may affect coverage. Review the policy details before purchasing.
So, is my luggage covered too?
Commonly asked questions
It can, depending on the coverage you choose and the reason for the claim. Emergency medical travel insurance may help cover eligible treatment and services if unexpected sickness or injury happens during your trip.
Trip cancellation insurance can help reimburse eligible prepaid, non-refundable travel costs if you need to cancel your trip before you leave for a covered reason.
Trip interruption insurance couldn help if something covered happens after your trip starts and you need to cut the trip short, return home early, or change your travel plans.
It can, depending on your policy. Coverage may help repair or replace baggage, or help you buy essential items if your luggage is delayed.
Yes. Annual travel options may be available if you travel more than once a year. This can be useful if you take multiple trips and want coverage for a set number of travel days.
Pre-existing condition coverage depends on the policy and your situation. Review the policy carefully and ask questions before you buy, especially if you have a medical condition or recent change in health.
It is usually best to buy travel insurance soon after booking your trip. That gives you more time to understand your coverage before you leave.
Travel claims are handled through Allianz Global Assistance. You can submit a claim online and follow the steps provided for your coverage.
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Travel insurance is underwritten by CUMIS General Insurance Company and administered by Allianz Global Assistance. Allianz Global Assistance operates under the registered business names of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. YNCU is not the insurer. Insurance advice, quotes and purchases are handled through the insurance provider’s authorized representatives.
This page provides a general overview only. Available benefits depend on the plan purchased and are subject to eligibility requirements, policy terms, conditions, exclusions, coverage limits and applicable deductibles. Not all plans include emergency medical, trip cancellation, trip interruption, baggage, delay or travel accident coverage.
Trip cancellation and interruption benefits apply only to covered reasons and eligible expenses specified in the policy. A change of mind or any unexpected event does not automatically qualify for reimbursement.
Pre-existing medical conditions may be excluded or subject to stability requirements. Medical screening or other eligibility conditions may apply. Provide complete and accurate information when applying, and confirm how your health circumstances affect coverage.
Emergency assistance services do not guarantee that an expense or claim will be covered. Follow the policy’s requirements for contacting the assistance provider and obtaining authorization for treatment or expenses.
A quote is not confirmation of insurance coverage. Coverage takes effect only in accordance with the issued policy’s requirements and effective dates. Quote completion times vary by applicant and screening requirements.
Review the applicable policy or certificate of insurance for complete benefits, exclusions, eligibility and claims requirements before purchasing. Contact a licensed insurance representative at Allianz Global Assistance for advice about your insurance needs.