Travel Insurance: The best protection for your needs
Did you know that in the event of a medical emergency while out of your province of residence, costs can quickly reach thousands of dollars per day!
Travel insurance is therefore essential to protect your health, your budget and your peace of mind.
Which travel insurance is right for you?
Emergency Medical Insurance (essential)
Our medical travel insurance covers:
- Hospitalization
- Medical care and diagnostics
- Paramedical services
- Emergency repatriation
Coverage includes 24/7 medical assistance anywhere in the world.
Think of it as the essential coverage on which everything else builds.
Trip Cancellation & Interruption Insurance (Optional)
This coverage reimburses your non-refundable expenses if you need to:
- Cancel your trip prior to your departure, or
- Cut your stay short due to a covered unexpected event.
Cancel For Any Reason: This optional protection allows you to receive compensation even if the reason for cancellaton is not one of the risks typically covered under the policy. (Conditions and limitations apply.)
Important: Trip Cancellation & Interruption Insurance is not automatically included with Emergency Medical Insurance. Be sure to add it as an option.
Baggage & Personal Effects Insurance (Optional)
This coverage protects you against certain unexpected events, such as:
- Lost, stolen, damaged or delayed luggage
Important: Baggage & Personal Effects Insurance is not automatically included with Emergency Medical Insurance. Be sure to add it as an option. It is only available in our Non-Medical Package with Trip Cancellation & Interruption Insurance.
Our medical travel insurance plans
Per-Trip Plan
For single trips
Ideal if:
- You travel occasionally
- You’re leaving for a set period of time
Important details:
- Up to $5,000,000 for emergency medical coverage
- Valid from the time you leave until you return
- Maximum duration: 183 to 212 days (depending on your province)
- Available from 3 months of age
Good to know:
- Can supplement existing coverage (e.g., credit card or group insurance)
- A medical questionnaire may be required in some cases (e.g., if you are age 60 or over)
Choose this plan if you travel occasionally.
Multi-Trip Annual Plan
Ideal if:
- You travel more than once a year
- You want to avoid buying insurance for every trip
Important details:
- Unlimited number of trips while the plan is valid (365 days)
- Each trip can last up to 8, 15 or 30 days (offered up to 90 years old maximum) or 60 days (offered up to 85 years old maximum).
- Up to $5,000,000 in coverage
- Unlimited trip duration for travel within Canada
Travelling for longer?
Complementary coverage (Per-Trip Plan) can be added.
Choose this plan if you travel more than once a year.
Family Plan
One policy to cover the whole family.
Important details:
- At least one adult age 59 or under
- Eligible children: Dependent children from 3 months to 21 years old
- Up to $5,000,000 in coverage per insured person
Available as part of the:
- Per-Trip Plan
- Multi-Trip Annual Plan
Choose this plan if you are travelling with children.
Additional Protections
(not automatically included)
Trip Cancellation & Interruption
- Up to $25,000 per insured person
- Optional Protection: Cancel For Any Reason (must be purchased within 5 days of the first non-refundable deposit and at the same time as the Trip Cancellation and Interruption Insurance to be valid)
Baggage & Personal Effects
- Up to $1,500
- Must be purchased in combination with Trip Cancellation & Interruption Insurance
Accidental Death & Dismemberment
- Up to $100,000
- Must be purchased in combination with Trip Cancellation & Interruption Insurance
You may qualify for our “Combined Protections” discount when you purchase Emergency Medical Insurance and Trip Cancellation & Interruption Insurance simultaneously for the same trip.
FAQs from travellers just like you
Is my credit card insurance sufficient for travel?
This depends on a variety of factors. The travel insurance embedded with your credit card is built to meet the needs of most travellers, for most of their trips, but it may not meet your specific needs. Credit card insurance often offers:
- Limited coverage and trip lengths
- Lower maximum amounts
- Major exclusions
It also doesn’t always cover older travellers or extended stays. Additional travel insurance is often necessary.
What is the difference between medical insurance and cancellation insurance?
- Emergency Medical Insurance covers medical expenses and emergencies you may encounter while travelling.
- Trip Cancellation & Interruption Insurance protects the deposits you’ve made and prepaid expenses you booked (such as your plane ticket, hotel, excursions, etc.) if you need to cut your trip short or cancel it entirely.
They are separate products, and cancellation insurance is not automatically included when you purchase travel medical insurance.