# Understanding insurance and your physical damage coverage | Canada guests > How do protection plans work? Protection plans are available to guests who book trips with hosts. If you choose a protection plan for your t... Source: https://help.turo.com/en_us/understanding-insurance-and-your-physical-damage-coverage-or-canada-guests-ByKlSExNq Last updated: 2026-11-13T18:59:59.871Z ## How do protection plans work? If you choose a protection plan for your trip, it’ll include three key elements.  1. **Third-party liability insurance.** Insurance for guests in Alberta, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, and Quebec is provided by Aviva Insurance. Insurance for guests in British Columbia is provided by Insurance Corporation of British Columbia (ICBC). This insurance provides secondary coverage for damage to another person or their property. (Any personal insurance you have is primary, and Aviva Insurance's or ICBC’s insurance kicks in after).  2. **Physical damage coverage.** This coverage limits your out-of-pocket costs for damage caused to the host’s vehicle during the trip. It does not remove your responsibility for interior or mechanical damage you may cause. Physical damage coverage and your out-of-pocket costs vary depending on the plan you select. While your own out-of-pocket costs are capped, any available personal insurance you may have that would cover damage to the host’s vehicle would still apply.  3. **Eligibility for** [**roadside assistance**](https://help.turo.com/roadside-assistance-for-guests-or-us-and-canada-BJBiEVgE9) **through Turo**, although additional costs may apply.   ## Which protection plan should I choose? Which protection plan you choose is generally up to you. But it’s helpful to keep a few things in mind when making your choice. * The greater the cost of the protection plan, the less you’re responsible for paying out of pocket if there’s covered vehicle damage on a trip. Unless you have personal auto insurance coverage, it's important to note that if you’re involved in an accident caused by someone else or someone vandalizes or damages the car, we’ll be unable to recover costs from the at-fault party due to the no-fault insurance rules in Canada. You’ll be responsible for the repair cost because the damage happened during the booked trip.  * You don’t need to have your own car insurance to book a trip on Turo. But if you have personal insurance, your own liability and physical damage insurance will be primary (assuming no exclusions) to anything you receive as part of a protection plan you select.  * While not impossible, it’s unlikely that your [credit card](https://help.turo.com/insurance-or-coverage-via-a-credit-card-rklgH4g45) would provide insurance coverage for a car sharing trip. Check with them before making a decision about declining a protection plan.  * The protection plan your host chooses is completely separate from your own. It has no bearing on your financial responsibility or the out-of-pocket costs associated with your plan. That’s because a host’s plan protects their vehicle by providing physical damage reimbursement. Your plan protects your wallet. It does so by limiting the amount you’ll pay out of pocket if there’s eligible damage to your host’s vehicle on a trip.  * In some cases, we limit the plans available to you if you’re [below a certain age](https://help.turo.com/age-requirements-for-drivers-HJXlV4l45) or booking a high-value vehicle. * If you fail to comply with Turo’s [Terms of Service](https://turo.com/us/en/policies/terms), we may void your protection plan.  * If you book a car in Canada, you may drive across province borders into other Canadian Provinces and across the US-Canadian border during your trip. Your protection plan will remain in effect. You aren’t permitted to drive into Mexico. Doing so will void your protection plan.  * The better informed you are, the more comfortable you’ll feel. See a [summary and cost of guest protection plans in Canada](https://help.turo.com/summary-and-cost-of-protection-plans-or-canada-guests-rknlSEeNq) and read complete [plan details](https://help.turo.com/protection-plans-including-insurance-or-canada-guests-Sk0lB4gV5). ## What are my financial obligations if there’s vehicle damage?  You’re responsible for reimbursable vehicle damage to the host’s car during your trip, up to the out-of-pocket cost limit of your protection plan. If you have personal insurance that covers damage to the host’s vehicle or other third parties or property, that will apply before your protection plan kicks in, unless you choose the Premier plan. You’re not responsible for non-reimbursable [wear and tear](https://help.turo.com/wear-and-tear-r11vU4l45). Nor are you responsible for pre-existing damage that you reported and documented before the start of your trip. Learn how to protect yourself by [taking photos to document a vehicle’s condition.](https://help.turo.com/trip-photos-guide-or-guests-HytcE4g49)     Instead of involving Turo, you and your host may choose to [work together to resolve damage](https://help.turo.com/resolving-damage-with-your-host-Hy4fBNlN5). While your financial obligation for physical damage to your host’s vehicle remains the same (it’s up to your out-of-pocket limit), this option will save you the cost of claims processing and administrative fees. If Turo is involved in processing a claim for physical damage to the host’s vehicle, we’ll charge you an initial deposit. Depending on your plan, the deposit amount will be between $0 – $2,000. If you paid a security deposit for your trip, we’ll apply that deposit toward this cost. If the security deposit doesn’t cover the cost, we’ll charge one of the payment cards on your account for the balance, or we’ll send you an invoice. If you choose a protection plan, you’ll pay up to the maximum out-of-pocket costs allowed by your plan. If you decline a plan, you’ll be responsible for the ultimate assessed costs for physical damage to the host’s vehicle up to its actual cash value plus related [administrative fees.](https://help.turo.com/guest-fees-BJctNNeVc)