Travel insurance and assistance services for residents in certain Canadian Provinces

Travel is rewarding, but sometimes things don’t go as expected. People get sick, flights get canceled, and bags go missing. To help protect you financially, there’s travel insurance and assistance services.

Airbnb guests who live in certain Provinces in Canada can add travel insurance and assistance services on the checkout page. The insurance policy is underwritten by Europ Assistance S.A. Canada Branch and offered by Airbnb Canada Insurance Services Inc.

Adding insurance to your reservation

If your reservation is eligible, you’ll be given the option to add travel insurance and assistance services on the checkout page.

Before adding travel insurance and assistance services to your reservation, be sure to review all the details to make sure it’s right for you.

Shortly after your travel insurance and assistance services purchase is confirmed, you’ll get an email that includes a copy of your insurance policy, as well as a link to your insurance details page, where you cancel your insurance, start a claim, and more.

Making changes to your reservation

Your travel insurance and assistance services plan will be automatically updated if the dates of your reservation or guest count change and there is no claim on the existing policy. If the change impacts the total price of your reservation, you’ll be charged or refunded an adjusted amount for your travel insurance and assistance services.

What's covered

Travel insurance through Europ Assistance covers:

• Trip cancellation: Get reimbursed for up to 100% of your Airbnb reservation cost if you need to cancel for a covered reason, such as illness, injury, flight cancellation due to weather or mandatory evacuation due to weather. Note that events that have already happened or are foreseeable when you purchase the policy, such as a named hurricane, aren’t covered.
• Emergency medical: Get reimbursed up to CAD $5,000,000 (for comprehensive plans covering international trips) or up to CAD $25,000 (for domestic plans covering domestic trips) for approved emergency medical services during your trip such as hospital and ambulance services or dental services. Note that pre-existing medical conditions may not be covered, as outlined below.
• Trip interruption: Get reimbursed for up to 150% of your Airbnb reservation cost for unused nights if your trip is delayed or interrupted after departure for a covered event such as illness, injury or flight cancellations or delays due to severe weather. Note that airport taxes, port taxes, insurance premium, services fees and booked activities during the trip aren’t covered.
• Missed departure: Get reimbursed for up to CAD $1,000 per person for the costs of extra accommodation and transport to get to your destination or back home if your transport does not follow its original scheduled time or the vehicle you are traveling has a breakdown.
• Delayed departure: Get reimbursed up to CAD $1,500 per person if your trip is delayed for 4 hours or more for a covered reason, such as a fire, storm, strike, bad weather. Covered expenses may include meals, accommodations, and parking costs.
• Baggage: Get reimbursed up to CAD $3,000 per person if your baggage is stolen by violent robbery or is lost or damaged caused by your travel carrier.
• Baggage delay: Get reimbursed up to CAD $500 per person for clothing, toiletries, and certain other expenses if the delivery of your checked-in baggage is delayed for 24 hours or more.
• Sporting equipment: Get reimbursed up to CAD $1,000 per person for sporting equipment that’s lost, stolen, or damaged. Note that normal wear and tear isn’t covered.
• Sporting equipment delay: Get reimbursed up to CAD $1,000 per person for rentals and certain other expenses if your sporting equipment is delayed for 24 hours or more.
• Passport and travel documents: Get reimbursed up to CAD $500 per person for expenses incurred if your passport is lost or stolen outside your home country during your trip.
• Flight accident: Get compensated up to CAD $100,000 if you suffer death, loss of limb, loss of sight or permanent total disability as a result of injury sustained in a flight accident during your trip 
• Travel Accident: Get compensated or up to CAD $50,000 if you suffer death, loss of limb, loss of sight or permanent total disability as a result of injury sustained in a travel accident.

Coverage for COVID-19

Although pandemics aren’t covered by travel insurance, COVID-19 may be covered in some situations because it’s an illness.

Please note that if you file a claim due to COVID-19, you’ll be asked to provide documentation showing that you, a family member (for example, your child), or someone staying with you at the Airbnb accommodation tested positive while under the virtual or in-person supervision of a qualified medical professional.

Coverage for pre-existing conditions

A pre-existing medical condition is a disease, illness or injury that exists before the insurance was purchased.

Pre-existing conditions are covered but certain stability conditions apply for comprehensive plans covering international trips. Consult your policy for further details.

Assistance services

Each plan comes with assistance services like a 24-hour emergency hotline and concierge services. The amount you’ll be charged for travel insurance includes a fee for these services.

Who’s covered

Each travel insurance and assistance services plan covers you and up to 9 people staying with you at the Airbnb accommodation. These people don’t have to be added to the Airbnb reservation or named on the policy in order to be covered, and there are no age restrictions.

Canceling your plan

Canada residents can cancel their travel insurance and assistance services plan within 10 days of purchase for a full premium refund. Please note that you are not able to cancel your plan after you've departed on your trip or started a claim, even if you’re within your cancellation period.

To cancel your plan, just go to your plan details page and select Cancel plan.

Filing a claim

Claims are handled by Europ Assistance from start to finish. You start a claim by going to your policy details page and selecting Start a claim, or by contacting Europ Assistance directly.

How to get help

If you have questions about your travel insurance and assistance services, need help with a claim, or want travel assistance, contact Europ Assistance by calling 1 (888) 352-1311 or send an email to: service@europ-assistance.ca.

For medical and travel emergencies, call 1 (888) 352-1311 or local collect call at 1 (416) 874-1311.

Travel insurance coverages are underwritten by: Europ Assistance S.A. Canada Branch and offered by Airbnb Canada Insurance Services Inc.