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OUT Adventures Travel Insurance

That's right, it's included.


We live in a world of add-ons. Yes, we can offer you additional accommodation, flights and even optional excursions, but when it comes to insurance you shouldn't have to wade through the options or deal with a sales pitch. At OUT Adventures, we provide a fully comprehensive travel insurance package with all tours, included in the cost of your trip**. That's up to $200 you don't need to worry about adding on. Take a look at what's covered:

Single-Trip All Inclusive Plan (Canadian residents)



Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage and Delay, Flight Accident and Travel Accident.

Overview of Emergency Medical Benefits*

  • Up to $5 million in emergency medical coverage
  • Coverage for paramedical services due to covered risk, up to $300 by profession
  • Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return of children in the care of the insured
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage


Single-Trip All Inclusive Plan (Non-Canadian residents)



Includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Damage and Delay, Flight Accident and Travel Accident.

Overview of Emergency Medical Benefits*

  • Up to $50,000 in emergency medical coverage
  • Coverage for paramedical services due to covered risk, up to $300 by profession
  • Up to $300,000 Ambulance transportation
  • Emergency dental treatment
  • Expenses related to death
  • Emergency medical return home
  • Visit to bedside if travelling alone
  • Return of children in the care of the insured
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage


Trip Cancellation and Trip Interruption Benefits* (Canadian & Non-Canadian)

  • Up to $3,500 per insured per trip for Single-Trip All-Inclusive plans
  • Reimbursement of prepaid portion of the trip that is non-refundable and non-transferable to another travel date for a covered event


Highlights of some of the insured risks:

  • Unexpected medical emergency or death of insured or insured's travel companion
  • Unexpected medical emergency or death of insured's or insured's travel companion's immediate family or key person
  • Cancellation of a business meeting
  • Canadian Government issues a formal Travel Warning related to the travel destination
  • Travel visa not issued
  • The person whose guest the insured will be during trip, has been admitted to a hospital or dies
  • Missed connection


Baggage Loss, Damage and Delay* (Canadian & Non-Canadian)

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:

  • Up to $100 for replacement of a lost or stolen passport, driver's license, birth certificate or travel visa
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while the insured is en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000


Flight Accident and Travel Accident* (Canadian & Non-Canadian)

Flight Accident and Travel Accident Insurance covers the following benefits:

  • If an accidental bodily injury causes the insured to die, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, Manulife Financial will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes the insured to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, Manulife Financial will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If the insured has more than one accidental bodily injury during the trip, Manulife Financial will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

    * Please note: If the claim is a result of an act of terrorism, this benefit may be limited. Other exclusions, limitations and conditions apply. See the policy for details.

    ** For full-price booking, an all-inclusive package will be included. For bookings discounted up to 14%, complimentary medical travel insurance will be included. For bookings discounted more than 15%, insurance will not be included.