What’s important about this plan?
The “Per Trip” plan is offered to persons of at least 3 months old and provides coverage up to $5,000,000 in the event of a medical emergency happening while on a trip outside of your province or territory of residence.
- Coverage begins on your departure date and ends on your return date.
- This plan can also complement (or “top up” as we say in the industry) coverage you already have through another insurer, such as a credit card or group plan, if you need additional days.
Does this plan meet your needs?
- Occasional traveller
- Travelling alone, with another person, or as a family
- Trip of 183/212 days maximum (depending on your home province or territory)
- Looking to purchase travel medical insurance
Is this plan for you?
« Tour+Med emergency medical insurance was the best choice we’ve made. We are extremely happy with your customer service. » G.W. and L.W. / Wasaga Beach, ON, June 2020
What else do you need to know?
Coverage up to $5,000,000
All of our medical protections provide coverage up to $5,000,000 in the event of a medical emergency while on your trip. This is more than enough to cover the medical costs of most emergencies. Benefits include hospitalization, diagnostic fees, repatriation if deemed necessary by the emergency assistance team, etc.
Eligibility and medical questionnaire
Eligibility conditions apply, and vary according to your age and the selected plan. Applicants of 60 years old and more, travelling for more than 15 days, must answer a medical questionnaire.
Complementing existing insurance (“top up”)
If you have travel insurance through another insurer, such as a credit card or group insurance, it probably offers coverage for a limited number of days. If you plan to travel for longer, you will need to complement your coverage so that your entire trip is covered. Check with your current insurer if they allow you to purchase a top up from us, and speak with your representative for a quote!
FAQs from travellers just like you
Do you cover pre-existing medical conditions?
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.)
Can I get a refund if my trip is cancelled or if I come back earlier than planned?
Yes. Your premium can be fully reimbursed if the policy is cancelled prior to your departure date (for a Per Trip plan) or prior to the effective date (for a Multi-Trip Annual plan). If you come back earlier than planned and have 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.