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Combined Protection

This discount, in a few words

A 5% discount is granted when you purchase travel medical insurance and a “non-medical” insurance policy (such as Trip Cancellation & Interruption insurance) simultaneously, for the same trip.

Do you qualify?

  • You need travel medical insurance and also wish to purchase Trip Cancellation & Interruption insurance.
  • You paid the first non-refundable deposit for the concerned trip less than 15 days ago.

When is this discount offered?


“We’ve taken our travel medical coverage with Tour+Med for a number of years now. We did have to take advantage of their coverage on one occasion and had a very positive experience with their handling of our claim. (…) Tour+Med is truly a great insurer showing concern and understanding for their customers. Thank you for introducing us to Tour+Med.” D.T. et K.T. / Kingston, ON – April 2020

What else do you need to know?


As the name suggests, the Combined Protection discount is offered when you purchase two Tour+Med protections simultaneously, meaning that you combine a travel medical insurance policy with a Trip Cancellation & Interruption insurance policy.

Trip Cancellation & Interruption insurance must be purchased within 15 days of the first non-refundable deposit of a trip. See Other Protections for details.

FAQs from travellers just like you

My trip is more than 6 months from now. How can I get the “Combined Protection” discount if I cannot purchase my protections simultaneously?

You are right: travel medical insurance cannot be purchased more than 6 months before the departure date, but Trip Cancellation & Interruption insurance must be purchased within 15 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.


Save even more with these other discounts

Loyalty discount

Save 2% to 5%, to thank you for choosing us year after year. It pays to be loyal!
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2 Travellers discount

Discount of 5% when 2 people travel together and are covered on the same policy.
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Early Bird discount

Save up to 5%. For a limited time only.
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Customize your coverage with our interesting options

COVID-19 Rider

Coverage up to $5,000,000 in the event of a positive diagnosis, and additional benefits if you need to quarantine (without hospitalization).
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Deductibles offering a discount on your premium

Traditional or Hospital-Care, you will save from 5% to 35%.
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Reduced Stability Period

30 days before your departure rather than 3/6 months for pre-existing medical conditions. Coverage up to $5,000,000.
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Optional Exclusion

Reduced premium in return for an exclusion on a given body system or organ.
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25% Deposit Option

You pay 25% of the premium at the time of purchase. Balance is payable up to 2 weeks before your departure.
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Intrigued by this discount?

Contact your broker, ask for a quote or speak with one of our sales representatives.

Existing clients, connect to the client portal before using the online quoting tool in order to receive your Loyalty discount.