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Travel Insurance Overview:

If you plan to travel outside Canada ‒ even for a day in the United States – you should buy travel health insurance before you leave. If you are flying, make sure you get insurance for trip interruption, lost luggage and document replacement. If you are driving, make sure you have driver and vehicle coverage in case you have an accident.

Why you should buy travel health insurance

  • Your Canadian health insurance may not pay your medical fees while you are outside Canada
  • Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
  • Foreign hospitals can be very expensive and may require immediate cash payment
  • In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills
  • The Government of Canada will not pay your medical bills

Features:

Single-trip or multi-trip coverage that can help cover emergency medical expenses (up to $10 million) for:
  • Physician services
  • Ambulance transportation
  • Hospitalization
  • Prescription drugs and more

COVID-19 Pandemic Travel Plan:

  • Available to Canadians travelling abroad
  • Provides emergency medical insurance for COVID-19 related medical conditions (up to $1,000,000 CAD per insured)
  • Provides Emergency Medical Insurance coverage for Non-COVID-19 related medical conditions (up to $5,000,000 CAD per insured)
  • Includes Trip Interruption Insurance benefits in the event of quarantine (up to $2,100 CAD per insured and up to a maximum of $4,200 CAD per family) and for Government of Canada Avoid All Travel Advisories (up to $500 CAD per insured)
Trip Cancellation & Interruption plan:
Coverage up to the purchased amount

All-inclusive plan:

  • Emergency Medical coverage
  • Trip Cancellation & Interruption coverage
  • Baggage loss/damage/delays
  • Flight and travel accident

Benefits:

  • Get coverage for COVID-19 related emergency medical conditions and more
  • Under age 60? No medical questionnaire required
  • Your children can get the same protection as you, when travelling with you
  • Travelling in Canada? Save 50% when you buy the Travel Canada Emergency Medical Plan
  • Access worldwide travel assistance 24/7 – 365 days a year

Questions you should ask about your coverage:

Carefully research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions.

  • Is there a deductible, and how much is it? Plans with 100-percent coverage are more expensive but may save money in the long run.
  • Does the plan provide continuous coverage for the length of your stay abroad and after you return?
  • Does the plan exclude or greatly limit coverage for certain regions or countries you may visit?
  • Does it offer coverage that is renewable from abroad and for the maximum period of stay?
  • Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
  • Does it pay for hospitalization for illness or injury and related medical costs at your destination?
  • Does it pay your bills or cash advances up front, so you don’t have to pay them?

COVID-19 and travel insurance

If you have to travel abroad during the COVID-19 pandemic, check with your travel insurance provider (whether you have a group, an individual or a credit-card type of insurance):

  • Make sure you are covered for COVID-19-related medical expenses, other non-COVID-19 emergency-related expenses, as well as trip interruption. While some insurance companies may offer COVID-19 related medical expenses coverage, it may not include protection for other non-COVID-19 emergency-related expenses.
  • Find out if you are covered for quarantine costs should you become infected with COVID-19 during your trip.
  • Make sure you have travel insurance coverage for your entire trip as some insurers may limit options to extend policies after departure.
  • Find out if you are covered for extended stays outside Canada.

Be aware that if you need to return to Canada for medical care, your options may be limited due to decreased availability of flights.

Conclusion:

With all of the options available when choosing Travel Insurance it can seem overwhelming.  We are here to help, fill out the form below by selecting Travel Insurance from the list we will reach out to you quickly.

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