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Travel Insurance for Canadians

Travel medical insurance in Canada is designed to provide coverage to Canadian residents for unexpected medical expenses that may arise while individuals are traveling outside their home province or internationally outside Canada including Mexico and USA. It is particularly important for Canadian residents who are planning to travel abroad, as provincial health plans may not fully cover medical expenses incurred outside of Canada. Here are key aspects of travel medical insurance in Canada:

Coverage Options:

Provides coverage for a specific trip (single trip), typically ranging from a few days to several months. There are options available to get multi trip insurance that covers multiple trips within a specified period.

Medical Coverage:

Coverage typically includes emergency medical expenses such as hospitalization, physician services, diagnostic tests, prescription drugs, and emergency medical transportation. Some policies may also cover non-medical benefits, such as trip cancellation, trip interruption, and baggage loss.

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Pre-Existing Conditions:

Many travel insurance issues policies with or without pre-existing medical conditions. It's crucial to understand the terms and conditions regarding pre-existing conditions and whether coverage can be obtained through additional riders or modifications.

Policy Limits:

Policies may have limits on coverage amounts for medical expenses, evacuation, and other benefits. Typical policy limits range from 1 million to 5 million dollars. Be sure to review these limits to ensure they meet your needs.

Destination Restrictions:

Some policies may have restrictions based on the destination. Certain regions or countries may have limited coverage due to political instability, travel advisories, or other factors.

Emergency Assistance Services:

Travel medical insurance often includes emergency assistance services, providing access to a 24/7 helpline for medical emergencies, travel assistance, and coordination of care.

Claim Procedures:

Familiarize yourself with the claims process, including documentation requirements and how to contact the insurance provider in case of an emergency.

Government Travel Advisories:

Check for any travel advisories issued by the Canadian government for your destination, as these may impact your coverage.

Before purchasing travel medical insurance, it's advisable to thoroughly read the policy documents, understand the terms and conditions, and clarify any uncertainties with the insurance provider. Consulting with our licensed insurance advisor can help you choose a policy that best suits your specific travel needs.

 


Who should consider Travel Insurance?

  • Canadian Residents Traveling Abroad
  • Vacationers and Tourists
  • Business Travelers
  • Canadian Students Studying Abroad
  • Expatriates and Snowbirds
  • Family Travel
  • Sports and Adventure Enthusiasts
  • Cruise Travelers
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  Benefits of Travel Insurance

Travel medical insurance offers several key benefits to individuals who are traveling outside their home province or Canada. These benefits provide financial protection and peace of mind in the event of unexpected medical emergencies. Here are some key benefits of travel medical insurance:

Emergency Medical Coverage

Covers the costs of emergency medical treatment, hospitalization, surgery, and other necessary medical expenses incurred due to unexpected illnesses or accidents while traveling.

Medical Evacuation and Repatriation

Provides coverage for the cost of emergency evacuation to the nearest appropriate medical facility or, if necessary, repatriation to the home country for further medical treatment.

Prescription Medications

Covers the cost of prescription medications prescribed as part of the emergency medical treatment during the trip.

Dental Care

Offers coverage for emergency dental treatments necessitated by accidents or sudden onset of dental issues during the trip.

Accidental Death and Dismemberment (AD&D)

Provides a benefit in the event of accidental death or permanent disability resulting from an accident during the trip.

24/7 Emergency Assistance

Access to a 24/7 emergency assistance hotline, which can assist in coordinating medical care, providing travel information, and offering assistance in various emergencies.

Optional Coverages

Travel medical coverage may or may not provide some optional coverages such as Travel Delay and Missed Connections, Trip Interruption and Cancellation, Baggage Loss or Delay.

Coverage for Adventure and Sports Activities

Some policies may offer coverage for injuries sustained during certain adventure sports or recreational activities.

 

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