# Protection plans – In brief | Canada guests

> We make protection plans available to guests in Alberta, British Columbia, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Isla...

Source: https://help.turo.com/en_us/summary-and-cost-of-protection-plans-or-canada-guests-rknlSEeNq

Last updated: 2026-10-19T19:53:28.887Z

## Liability insurance 

Trips booked on Turo come with liability insurance included. There is no additional cost. Liability insurance covers bodily or property damage to another person if you’re responsible for the damage. 

## Protection plans 

Protection plans let you protect your wallet by limiting how much you’d pay if there’s on-trip eligible physical damage to your host’s vehicle. We make protection plans available to guests in Ontario, Quebec, British Columbia, Alberta, Nova Scotia, New Brunswick, Newfoundland and Labrador, Prince Edward Island, and the Yukon. 

How much a protection plan costs depends on the plan you choose. The higher the cost, the greater the protection and the less you’d pay if you’re financially responsible for vehicle physical damage. Protection plans don’t limit how much you’d pay if you’re responsible for interior or mechanical damage to a host’s vehicle. Protection plans aren’t insurance; they’re contracts between you and Turo. 

When you book a trip, you can see:

*   amount of third-party liability insurance included for your trip
*   protection plans available to you
*   each plan’s out-of-pocket payment limit for physical damage 
*   cost of the plan you choose, shown as a separate line item at checkout 

Before choosing a plan, learn more about [how insurance and protection work](https://help.turo.com/understanding-insurance-and-your-physical-damage-coverage-or-canada-guests-ByKlSExNq) and read [plan details](https://help.turo.com/protection-plans-including-insurance-or-canada-guests-Sk0lB4gV5). We reserve the right to change protection plan pricing at any time.

## Guest protection plan options - In brief

#### Premier plan  

*   Third-party liability insurance coverage with a limit with limit of $2,000,000; coverage is secondary to any personal insurance you may have
*   Physical damage protection that limits your responsibility to $0 for physical damage to your host’s vehicle; coverage is primary to any personal insurance you may have
*   Doesn’t include coverage for mechanical or interior damage to host’s vehicle
*   Available only on trips two days or longer in a vehicle with a total market value of less than $25,000  

#### Standard plan

*   Third-party liability insurance coverage with a limit of $2,000,000; coverage is secondary to any personal insurance you may have
*   Physical damage coverage that limits your responsibility to $500 for physical damage to your host’s vehicle; coverage is secondary to any personal insurance you may have
*   Doesn’t include coverage for mechanical or interior damage to host’s vehicle

#### Minimum plan

*   Third-party liability insurance coverage with a limit of $2,000,000; coverage is secondary to any personal insurance you may have
*   Physical damage coverage that limits your responsibility to $2,000 for physical damage to your host’s vehicle; coverage is secondary to any personal insurance you may have
*   Doesn’t include coverage for mechanical or interior damage to host’s vehicle

#### Decline protection

*   You’ll receive third-party liability insurance coverage with a limit of $2,000,000; coverage is secondary to any personal insurance you may have.

You’re responsible for _all_ costs related to physical, mechanical, and interior damage to vehicle, as well as administrative claims fees and appraisal cost