# Earnings plans – In brief | Canada hosts

> How much does a protection plan cost?     We make a standard protection plan available to hosts inAlberta, British Columbia, New Brunswick, Newfo...

Source: https://help.turo.com/en_us/earnings-plans-in-brief-canada-hosts-HyN_U4eVc

Last updated: 2026-04-28T20:26:27.439Z

## Earnings plan costs 

How much a host earnings plan costs depends on the plan you choose. Each plan represents a percentage of the trip price you’ll keep and entitles you to reimbursements for different items. The more earnings you keep, the higher your damage responsibility. We use “damage responsibility” to mean the amount you pay before you’re eligible for reimbursement if there’s physical damage to your car during a guest’s trip.

You’ll choose a plan for your vehicle when you create your listing and can change it any time. If you have more than one vehicle listed, you can choose different plans for each. Changes won’t apply to pending trip requests, booked, or in-progress trips. [Learn how to change your earnings plan](https://help.turo.com/en_us/how-to-update-your-vehicle-protection-plan-rJS2S4eNq).

## Canada host plan summaries

Earnings plans provide for reimbursement for eligible physical damage costs in excess of your plan’s damage responsibility costs for the Reservation\*\* and Delivery† periods. Reimbursement is subject to terms and exclusions and is capped at the cost of repair up to the actual cash value of the vehicle or $150,000, whichever is less. 

The protection plan your guest chooses is separate from your earnings plan. A guest’s plan limits their out-of-pocket payment for eligible damage to your vehicle on a trip. Your plan provides physical damage reimbursement for your vehicle. If you fail to comply with Turo’s [Terms of Service](https://turo.com/us/en/policies/terms), we may void the protection tied to your earnings plan. 

If your guest books a car in Canada, they may drive across provincial borders into other Canadian Provinces and across the US-Canadian border during their trip, and your earnings plans will remain in effect; guests who book a car in Canada aren’t permitted to drive into Mexico. 

Use the at-a-glance summaries below to see the highlights of each plan and follow up with a review of [plan details](https://help.turo.com/detailed-explanation-of-host-protection-plans-or-canada-Hk8uLEgEq).  Note that host share take rate is a percentage of the trip price. 

#### More earnings plan

*   **Host share:** 85% of trip price
    
*   **Damage Responsibility costs**: $2,000
    
*   **Third-party liability insurance\* for Reservation\*\* and Delivery† Period:** $2,000,000
    
*   ****Replacement vehicle reimbursement:** Not included** 

#### Balanced plan

*   **Host share:** 75% of trip price
    
*   **Damage Responsibility costs**: $250
    
*   **Third-party liability insurance\* for Reservation\*\* and Delivery† Period:** $2,000,000
    
*   **
    
    **Replacement vehicle reimbursement:** Not included
    
    **

#### More peace of mind plan

*   **Host share:** 65% of trip price
    
*   **Damage Responsibility costs**: $0
    
*   **Third-party liability insurance\* for Reservation\*\* and Delivery† Period:** $2,000,000
    
*   **
    
    **Replacement vehicle reimbursement:** up to $500; [see details and conditions](https://help.turo.com/replacement-vehicles-HyJcUVeV9)
    
    **

  

\* Insurance is provided under policies issued to Turo by Economical Insurance and Insurance Corporation of British Columbia. 

\*\*The Reservation Period is the period agreed to by the Host and Primary Guest during which the Guest is to have possession of the Vehicle. A more detailed definition of the Reservation Period may vary depending on the insurer. 

†The Delivery Period is the time when the host or Turo-approved driver designee, is actively delivering the vehicle to the primary guest, whose reserved delivery and ends when the vehicle has been delivered to the primary guest. The period doesn’t include the time when the host or designee is retrieving the vehicle at the end of the trip. In British Columbia, there is no coverage provided during the Delivery Period; Hosts will have coverage through their personal ICBC policy.