It’s quick and easy. A quote gives you coverage tailored to:
- Your destination
- The length of your trip
- Your age
- Your specific needs
Get a quote online, call us, or contact your insurance broker.
If you have a question, it is very likely another traveller has asked us already. Have a look at the answers provided to some of our clients most frequently asked questions. You can also contact your representative or our team from Customer Service if needed.
In this section, you will find questions that travellers have asked about the coverage or the various plans we offer. Skim through and don’t hesitate to reach out to your representative if you could not find the answer to your question.
It’s quick and easy. A quote gives you coverage tailored to:
Get a quote online, call us, or contact your insurance broker.
Yes, if you opt for Baggage & Personal Effects Insurance. This covers lost, stolen, damaged or delayed luggage
Yes. If you travel frequently, the Multi-Trip Annual Plan is generally the most cost-effective solution. It covers multiple trips throughout the year, so you don’t need to purchase insurance before each departure, as long as each trip stays within the permitted maximum duration.
This optional add-on allows you to receive a partial reimbursement, under certain conditions, even if your reason for cancelling is not covered by the standard policy. It’s a popular choice for maximum flexibility.
Yes, but timing matters. Cancellation insurance must generally be purchased shortly after the first deposit or booking to be valid. The longer you wait, the more limited the coverage may be.
Yes, provided they are “stable and controlled”, as defined in your policy.
Depending on factors like your age, the length of your trip and the type of insurance plan, you may be required to complete a medical questionnaire to confirm your eligibility.
The discount is established using a variety of factors, such as your age, the trip length, and your pre-existing medical conditions. But you can add this discount to other available discounts at the time of purchase to save a substantial amount. It’s worth asking about it!
Even if your medical conditions have not changed since your last purchase, chances are, the eligibility conditions, the questions, and the medical conditions from the medical questionnaire have changed. Therefore, our sales representatives must ask each question again.
Take note that, in many cases where “the conditions have not changed”, going through the questionnaire helps clients remember about a doctor’s appointment during the previous months, about a change in their dosage, about a medical investigation, etc.
Answering the medical questionnaire takes only a few minutes and can prevent many negative surprises down the road! Thank you for your collaboration on this matter.
To be eligible for Trip Cancellation and Interruption Insurance or for the Non-Medical Package, you must:
If you choose to insure only a portion of your non-refundable and non-transferable travel arrangements, the amount of your reimbursement will be reduced for the following two (2) benefits:
These reimbursements will be proportional to the maximum coverage indicated on Your Travel Insurance Confirmation, with respect to the sum of all non-refundable payments made for the Trip.
We need to speak with the person for whom the travel insurance policy is purchased, given that the contract will be established between them and us. Moreover, this person must give their consent for the exchange of confidential medical information with you. If the two of you are on the same policy, it could be sufficient to speak with you only if you take full responsibility for the answers given.
In all cases, we must complete the sales process with the person(s) for whom the insurance policy was purchased. All insured persons must review their policy, most importantly their medical declaration, to make sure it is complete and accurate.
Please fill in the short form on the page Become a representative or call us at 1-877-344-8398. We will be pleased to discuss this with you!
The required information could vary depending on your destination. Presenting your group insurance wallet card will usually be enough, but some areas could ask for more thorough proof. If you are required to present such proof, please write to info@lsvoyage.ca before your departure.
If purchased, Trip Cancellation & Interruption insurance covers specific situations that could happen before or during your trip, causing you to cancel or interrupt your trip. Your policy could also provide coverage for your baggage and personal effects, and protection in the event of accidental death or dismemberment. (See the policy for details on covered risks and applicable benefits.)
Baggage insurance cannot be sold by itself; it is sold as a package with Trip Cancellation-Interruption insurance, and coverage in the event of Accidental Death & Dismemberment.
Depending on your home province and on how you make your purchase, your Trip Cancellation-Interruption insurance, Baggage, and Accidental Death & Dismemberment insurance may need to be combined with travel medical insurance. Ask your representative for more information.
You are right: travel medical insurance cannot be purchased more than 9 months before the departure date, but Trip Cancellation & Interruption insurance must be purchased within 30 days from the first non-refundable deposit. In some cases, that first deposit could be given many months before the departure (sometimes more than a year before!) If this happens, it will not be possible to purchase your protections online. To ensure you get all of the discounts you are entitled to, speak with your representative, who can make an exception in such case.
You’re so smart! The deposit option allows you to pay only 25% of the premium at the time of purchase, and pay the balance 2 weeks before the departure date. If you purchase your policy while the Early Bird discount is available, the deposit option allows you to lock in that discount.
If you plan on travelling within the next 6 months, and the Early Bird discount is available at that time, yes, you will be able to get the Early Bird discount.
Our policies cannot be sold more than 6 months before the departure date. If your dates are uncertain (but the departure is intended within the next 6 months), you can provide approximate dates to purchase your policy while the Early Bird discount is available. This will lock in your discount. Once your dates are official, ask your representative to modify your dates (or use the Client Portal to do it yourself online). There are no administrative fees to do this: you will only pay for the extra days if your trip is longer than what you had initially planned.
Yes, but this functionality is not offered online. If you plan on travelling together, but wish to pay your policies separately, a representative will apply your discounts manually. Speak with a representative before buying your policy.
By contacting the same representative as last year!
We respect our representatives and the work they do. That’s why we invite you to contact the same person you dealt with last year. To be eligible for the Loyalty Discount and make sure it increases (up to 5%), you must purchase Tour+Med policies during consecutive sales seasons and through the same representative.
There is no fixed discount for the option. Premium is calculated upon a combination of various factors, including your age, the system or organ to exclude, and your other medical conditions. The best way to find out what your premium will be is to ask for a quote!
There is no fixed surcharge for the option. Premium is calculated upon a combination of various factors, including your age, the concerned medical condition, and your other medical conditions. The best way to find out what your premium will be is to ask for a quote!
No, we are not referring to a pizza-ghetti combo! But just like when you order food, a combo means you are getting more variety for your money. Do we have your attention?
If you usually travel for 3 weeks in a row, you could be interested by our Multi-Trip Annual plan of 30 days. But if one of your trips is scheduled to last 40 days, a 30-day plan will be too short and won’t suit your needs. To make it simple, we will probably offer you a “30-day combo”. This means that in one transaction and on the same policy (we are the only insurer to do this, by the way!), you will get 2 protections: your 30-day Multi-Trip Annual plan, and your 10-day top-up. Your entire trip of 40 days will therefore be covered, as well as all other trips of 30 days and less that you will make during the upcoming year. Isn’t it interesting?
If a trip is longer than the selection option (8, 15 or 30 days), you will need a “Per Trip” plan to cover the additional days. Speak with your broker or one of our representatives for a quote.
We know it’s not an obvious concept when you hear about annual plans for the first time. That’s why we also call it the “multi-trip plan”.
Basically, the plan is valid for one year from its effective date (the date on which the protection begins, which usually corresponds to your first departure date) and covers you for as many trips as you want during the following year. The length of each trip, however, must not exceed 8, 15, or 30 days, depending on the option that you will have selected.
No, but we offer a deposit option. You can make a deposit equivalent to at least 25% of your total premium on the date of purchase, and your balance will be payable two weeks before your departure date. (Premium must be at least $400.)
Oui, votre assurance voyage médicale est remboursable en totalité si la police est annulée avant votre date de départ (dans le cas d’un plan Par Voyage) ou avant la date d’entrée en vigueur (dans le cas d’un plan Annuel Multi-Voyages).
If you come back earlier than planned and are covered by a Per Trip plan, you could get a refund for the unused days of your coverage. Conditions apply. See section “Premium Refunds” in the policy for details.
See section “Premium Refunds” in the policy for details.
Multi-Trip Annual plans are non-refundable after their Effective Date.
The stability of your medical conditions is probably the most important concept in your travel insurance policy, so understanding it is crucial.
To be “stable and controlled” means that there has not been any change to a medical condition within the 3 or 6 months before your departure (3 months for insureds of 69 years old and less, 6 months for insureds of 70 years old and over).
By “change”, we mean (among others): no new diagnosis, no new prescription or modification to an existing prescription, no test or evaluation, no recommendation to be seen by a specialist, no new symptoms, no aggravation of the condition, etc.
You must also be aware that even though your doctor said you were “stable”, “brand new”, or “good to go”, it does not necessarily correspond to the definition of “Stable and Controlled” in the policy. In the event of a claim, we will refer to the latter so make sure that you read it carefully, and that you understand it. You may also ask your representative for information.
Yes. Your Government Health Insurance only covers a portion of medical costs when you are out of your province or territory of residence. Moreover, certain fees, such as ambulance transportation, are never reimbursed by Government Health Insurance plans.
No. The insured person must be able to speak and understand either one of Canada’s official languages (English or French). Our documents are available in these languages. A travel insurance policy is a contract and it would not be ethical to sell a contract to a person who cannot understand it by him/herself.
Depending on your age and the length of your trip, you could be required to answer a medical questionnaire. Your premium will be based on your answers, combined with other factors. Pre-existing medical conditions are covered if they meet the definition of “Stable and Controlled” in the policy. (If a condition is not “Stable and Controlled”, ask about our Reduced Stability Period option.)
Competitive sports, race or speed contests, extreme activities, and sports for which you are required to sign a waiver or release of liability are not covered. (See section Exclusions and Limitations in the policy for details.)
Pregnancy is covered, under certain conditions.
See the following exclusion in the policy for Canadians (in case of medical emergency) for more details:
Benefits are not payable under this policy if losses sustained or expenses incurred are the direct or indirect result of any of the following:
Any costs related to:
Note that pregnancy and childbirth are not covered under the Visitors to Canada medical plan.
We added products for Visitors to Canada to our offering in 2026. Find out more about our protections on our page dedicated to Visitors to Canada.
As for our product intended for Canadian residents traveling outbound, it is not made to cover students and expats, who need specific protections that will meet their needs. Tourmed protections are mostly built to meet the needs of people who travel for leisure and vacation.
Contact your representative or our customer service.