Travel & Health Insurance

Travel insurance is the responsibility of the traveller to ensure they have adequate coverage. Review the information below and learn about your options.

UBC Benefits

If you are travelling for work or a holiday, it’s important to know about your medical benefit 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 illness, injury, death, imminent death or catastrophic events. The additional cost of this type of insurance is usually not recommended, however there may be some circumstances where a significant deposit (e.g. a group tour) could lead to a significant loss.

UBC does not offer this coverage. This product is only available through insurance vendors and UBC's travel agency.

Note: In the event of cancellation, most airline tickets have a credit value which can be applied for future travel, on the same airline, within one year of original date of ticket issue. Fees will apply.

Emergency Medical Coverage Insurance (During Travel)

Emergency medical coverage insurance provides coverage for 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.

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.

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

For a comprehensive list of phone numbers please review this section

UBC has two credit card programs—UBC VISA or UBC AMEX—to support faculty, staff, guests and non-employees for UBC related travel.

UBC VISA and UBC AMEX credit cards cover the following insurance related expenses:

  • Car rental theft and damage insurance (CDW).
  • Travel accident.
  • Flight delay.
  • Lost or delayed baggage.
  • Hotel/motel burglary.

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 Amex and UBC VISA have automatic Collision Damage Waiver (CDW/LDW) insurance coverage when the card is used to pay for the rental period. Learn more

If you are not using UBC Amex or UBC VISA, you can purchase CDW/LDW coverage from Safety & Risk Services

Learn about UBC's Insurance Programs