Travel & Health Insurance

Per UBC's Travel Policy FM8, travel insurance is the responsibility of the traveller to ensure they have adequate coverage.

Review the information below and learn about your options.

UBC Employee Medical Coverage

If you are travelling for work or a holiday, it’s important to know about your medical benefits coverage while you are out of the province.

Review your UBC employee group to see the benefits available to you.

If you are enrolled with UBC extended health with Sun Life Financial and MSP, emergency medical coverage is provided. Always travel with your SunLife Medi Passport and check your employee group to know what extended health benefits you are covered for.

If you are a student requiring travel insurance coverage please visit the Student Safety Abroad website. 

Preparing for Travel

Trip Cancellation Insurance (Before Departure)

Trip cancellation insurance provides coverage for the non-refundable portion—such as deposits or cancellation charges—of prepaid travel arrangements. It also allows for reimbursement of any cancellation penalties that a transportation carrier or tour operator may charge. This type of insurance has many exclusions, including pre-existing medical conditions, and is mainly effective in the event of unexpected illness, injury, death, imminent death, or catastrophic events. 

UBC and UBC's Visa Card does not provide "Trip Cancellation Insurance"

UBC related travel

For UBC related travel, consider purchasing trip cancellation insurance for higher priced tickets for non-employees or in circumstances where large non-refundable deposits are required (e.g. groups/tours). Contact UBC Travel Agency (Direct Travel 604-637-1466 | 1-844-905-3824) or insurance provider directly for complete coverage information. Trip cancellation insurance on airline website is not recommended as it is usually more expensive.

When trip cancellation insurance is not purchased

In the event of cancellation, some airline tickets have a credit value that can be applied for future travel, on the same airline, within one year of the original date of ticket issue. Change fees and fare differences may apply. Outstanding ticket credits should be utilized for UBC related travel.

Emergency Medical Coverage Insurance (During Travel)

Emergency medical coverage insurance provides coverage for an acute illness or accidental injury that requires immediate, medically necessary treatment prescribed by a doctor. Exclusions may apply, e.g. preexisting medical conditions, travel into high-risk areas with an official high-level travel warning. Visit the Sun Life member website or call Sun Life at 1-800-661-7334 or 1-800-361-6212 to verify the employee coverage.

UBC's extended health program and group benefits are provided by Sun Life. Only employees who are enrolled in the UBC extend health program are eligible for emergency medical coverage during travel. Visit UBC's HR site for complete details.

Travel Medical Insurance, Accident Insurance and Life Insurance costs are not eligible expenses as per UBC Travel and Related Expenses Policy (FM8)

Eligible employees:

  • Review your Medi-Passport Allianz Global Assistance
  • Travel with their Sun Life Travel Card or use the "my Sun Life Mobile app"
  • In the event of a medical emergency you, or someone with you, must call the Allianz Global assistance 24-hour operations centre before receiving medical care.
  • You and your dependents must be covered under your provincial medicare plan at the time of your trip

Contact Allianz Global Assistance

Trip Interruption Insurance (After Departure)

Trip interruption insurance provides coverage for the transportation costs incurred if you have to return home early or if your return home is delayed, including the non-refundable portion of unused prepaid travel arrangements.

UBC does not recommend the purchase of this product as both UBC credit card programs automatically carry this coverage when the travel is purchased using UBC credit cards.

Note: UBC does not recommend employees use their personal credit cards for the purchase of UBC related travel.

Credit Card Insurance

Only cardholders have the below coverage when travel has been purchased utilizing their UBC VISA card while travelling. Departmental cards do not carry coverage for travellers. Learn more about the UBC VISA card.

Vehicle Rental-Collision Loss of Use Damage (CDW/LDW) Covers loss or damage to vehicle rental (Max. coverage $65,000)
Travel Accident Max. coverage $500,000
Lost Luggage Max. coverage $2,000/trip
Flight/Trip Delay (delay over 4 hours) Max. coverage $500/occurence
Hotel/Motel Burglary Max. coverage $2,500/occurence
Emergency Purchases (delay of checked-in baggage) Max. coverage $500/occurence

Travel Insurance, Accident Insurance and Life Insurance costs are not eligible expenses as per UBC Travel and Related Expenses Policy (FM8)

Vehicle Rental Insurance

UBC VISA cardholders have automatic Collision Damage Waiver (CDW/LDW) insurance coverage when the card is used to pay for the rental period (per the above max. coverage). The employee must present the UBC Visa card upon vehicle rental pick-up and the card name must match the rental policy name for CDW/LDW insurance coverage.

For all other UBC related vehicle rental insurance coverage, contact coverage from Safety & Risk Services

Learn more about booking vehicle rentals, specialty vehicle exclusions, rate codes, and more.