No one expects to get sick or have an accident when they’re travelling, but they do happen.
Why Travel Insurance is Important?
Medical Emergencies Abroad. One of the most critical reasons to have travel insurance is to cover medical emergencies that might occur while you’re away from home. Healthcare costs in some countries can be exorbitant, and without insurance, you might end up paying out of pocket. Travel insurance can cover hospital stays, doctor visits, and even emergency medical evacuations, ensuring that you receive the care you need without the financial burden.
Trip Cancellation or Interruption. Life is unpredictable, and sometimes, circumstances beyond our control can force us to cancel or cut short a trip. Whether it’s due to illness, a family emergency, or unforeseen events like natural disasters, travel insurance can reimburse you for non-refundable expenses like flights, accommodations, and tours. This coverage can save you a significant amount of money and stress.
Lost or Delayed Luggage. Imagine arriving at your destination, only to find that your luggage has been lost or delayed. This situation can be frustrating and inconvenient, especially if your essential items are in that suitcase. Travel insurance can help cover the cost of replacing necessary items, such as clothing and toiletries, while you wait for your luggage to be found or delivered.
Flight Delays or Cancellations. Flight delays or cancellations can throw your entire travel plan into disarray. If you find yourself stranded due to a delayed flight, travel insurance can provide compensation for meals, accommodations, and transportation while you wait. Additionally, if a cancellation forces you to book a new flight, your insurance may cover the cost difference.
24/7 Assistance. Many travel insurance policies offer 24/7 assistance services, which can be invaluable when you’re in a foreign country and need help navigating a crisis. Whether you need help finding medical care, arranging emergency travel, or getting in touch with your family back home, having access to round-the-clock support can provide peace of mind.
Travel insurance is an essential component of any trip. It offers a safety net that protects you from the financial implications of unexpected events, allowing you to focus on enjoying your travels. Before you embark on your next adventure, take the time to research and invest in a comprehensive travel insurance policy that meets your needs. Remember, it’s better to have it and not need it than to need it and not have it.
Click here for more questions about Travel Insurance
If you’re heading to a tropical beach, cross-border shopping or visiting family or friends in another province or country—your full provincial healthcare plan won’t go with you. That means, if you experience a medical emergency away from home, you’ll be left to arrange for care and shoulder all your expenses.
Depending on the travel plan that fits your need, we have the following travel plan options:
Emergency Medical Insurance. Covers hospital and doctors’ fees, prescriptions, emergency transportation and more
Trip Cancellation & Trip Interruption Insurance. In case of an unexpected event that prevents the insured from travelling, Trip Cancellation & Trip Interruption reimburses travel costs if the trip is cancelled before leaving, or disrupted after it has begun.
Trip Interruption Insurance (only). If something happens while insured is already away, the Trip Interruption Insurance will reimburse the travel costs if the insured plans are disrupted after the trip has begun.
Accidental Death & Dismemberment. Covers the insured in the event of unfortunate death or dismemberment, anywhere outside of the insured’s home. It’s available as a stand-alone Single Trip or Multi Trip Annual policy, or as part of an All-Inclusive Holiday or Non-Medical Package.
Non-Medical Package. Offers protection for before and after the insured departs including coverage for trip cancellation, interruption and delay due to a covered reason, baggage benefits and more.
All-Inclusive Holiday Package. Provides coverage for medical emergencies while away, missed flights, lost or damaged baggage and more.
Emergency Medical Multi- Trip Plan. Includes emergency medical coverage on an unlimited number of trips within the year.
Optional Coverage. Sports & Activities / Cancel for any reason / Baggage Insurance / Rental car protection
Travelling Canadians
Do you travel often?
The Multi-Trip/Annual Plan is ideal for travellers who take more than one trip a year.
Visitors Insurance is ideal for:
Non-Canadian residents who want to visit Canada
Canadian residents who have parents or grandparents visiting them under the Super Visa program
Landed immigrants and returning Canadians waiting for Government Health Insurance Plan Coverage
We have travel insurance plans that have the following key features:
Choose from sum insured amounts of $25,000, 50,000, $100,000 $150,000, $200,000, $300,000
Deductible Options is available starting with $100
No waiting period on disease or illness if the policy is purchased before arrival in Canada
Travel worldwide is covered as long as the majority of the period of coverage is spent in Canada. The insured must have travelled to Canada first before they can be covered for side-trips outside of Canada
KEY BENEFITS:
Emergency Medical Treatment: Up to the sum insured for: emergency medical treatment for in-patient or out-patient care; treatment by physician or surgeon; X-rays and laboratory services; Covers the cost of prescription drugs and medication prescribed by a physician (to a maximum of a 30 day prescription)
Ambulance: Covers up to the sum insured for ground, air or sea ambulance (including paramedics)
Accidental Dental: *coverage varies depending on the travel insurance plan that you purchase from the provider of your choice
Emergency Air Transportation: Up to the sum insured for medical air evacuation.* If medically required
Family Transportation: When insured traveler is hospitalized, covers a round trip economy airfare or ground transportation costs for a family member to be at their bedside
Child Care: Covers the cost of licensed child care for a dependent travelling with the insured when the insured traveler is confined to hospital or transferred to a different hospital in another city for emergency medical treatment
Return of Remains: Covers the cost for preparation and transportation to the country of origin, destination in Canada, or the cost of cremation or burial at the place of death
These are just some key benefits, benefits and coverage varies depending on the actual plan that you purchase from the travel insurance provider of your choice
New Immigrants & Visitors to Canada
Canadian Students
This insurance provides coverage for medical expenses incurred by Canadian students enrolled in a school outside their province/territory of residence, as well as coverage for their accompanying family members. Coverage is also provided for COVID-19.
Key Features
Maximum Policy Limit of $2,000,000
Covers up to 40 years old
Coverage is available for family members who are residing with the student while they are enrolled in school
Travel worldwide is covered regardless of how much time the insured spends in their province/territory or country of study
Please contact us for the list of benefits included in this plan.
International Students
This insurance provides coverage for medical expenses incurred by international students enrolled in a school in Canada, as well as their accompanying family members. Coverage is also provided for COVID-19.
Maximum Policy Limit of $2,000,000
Covers up to 69 years old
Coverage is available for family members who are residing with the student while they are enrolled in school
Travel worldwide is covered provided the insured intends to spend the majority of their time in Canada
Visits to the home country are permitted; the Policy will not terminate but expenses in the home country will not be covered
Coverage is available during school breaks provided the student is still enrolled as a full-time or part-time student
Please contact us for the list of benefits included in this plan.