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Travel Insurance for CanadianTravelers
Trip Cancellation insurance covers the cost of your travel arrangements if something unexpectedly happens before your departure date, causing you to cancel your trip. Trip Interruption insurance covers events that happen on or after your departure date to your trip causing you to disrupt or interrupt your trip, or to return earlier or later than your original return date.  Get Your Instant Online Quotes:
When Canadian residents travel between provinces or out of the country they remain covered by their provincial health care plan. However, there are restrictions as to the amount of coverage and to the periods of absence from their home province. Since only a fraction of medical and hospital expenses may be covered, Emergency Travel Medical Insurance can make up the difference.
Travel Medical insurance provides emergency medical coverage for Canadians traveling abroad or outside province of residence for pleasure or business (vacation travel, USA weekend trips and shopping, business trips); Canadian snowbirds, Canadian students studying abroad.
WHAT Does Travel Medical Insurance Cover?
Insurance rates are very important but it is not the only thing that requires consideration. Travel insurance plans include a row of exclusions, limitations and conditions
Trip Cancellation & Interruption Insurance
1-877-443-0101
You should purchase travel insurance before your departure from your province of residence or Canada. With most travel insurance providers, you will not be able to get this insurance policy if you have already left for your trip. Some insurance companies offer insurance plans that can be purchased after departure, but some conditions apply.
All-Inclusive plan may include emergency medical coverage. Trip Cancellation & Interruption, as well as Baggage insurance and AD&D insurance. For quotes for All-Inclusive plans, please click on the link below:
To be eligible for Travel medical insurance for Canadians, you must be a Canadian citizen or Canadian resident covered under your provincial health care plan for the entire trip duration.
Annual Multi Trip Plans
Travel Medical Insurance for Single Trip
Eligibility for Travel Medical Insurance
If you travel more than once a year, Annual Multi-Trip Travel insurance plan may be the easiest and most cost-effective solution. It is a good option for those who cross the border more than 2-3 times per year. You’ll be covered for 12 months and can take an unlimited number of trips outside your province of residence or Canada.  Get more information, instant quote or buy Online Annual Multi-Trip Medical insurance:
Topping Up Your Existing Travel Medical Insurance Policy
If you are Canadian citizens or Canadian residents, don't have coverage under a government health insurance program and live or work abroad in another country, you can consider Canadian Expatriates Travel Insurance (Allianz Global Assistance).
For more information, please click on the button:
Pre-Existing Medical Conditions Coverage, Exclusions, Limitations
Definition of STABLE is slightly different with various insurance plans, but basically, STABLE means: there were no new symptoms and diagnosis, no new medications, alteration in medications and dosage, no hospitalization, no new treatment, tests or consultation scheduled or recommended within this stability period; you are not awaiting results of further investigations for that medical condition.
Top-up: you should purchase top-up coverage before leaving your province of residence. The reason is the same as above.
If you already have Emergency Medical plan (single-trip or multi-trip), but your trip is longer than the number of days covered under your existing policy, you can purchase top-up coverage. For quotes for Emergency Medical Top-up, OR if you want to get your Travel insurance quote on your email, please click on the button:
Long Absence from Canada
All-Inclusive Plans
If you are a Canadian Student studying abroad or outside your principle province of residence, you can consider Student medical  insurance designed specifically for students.
Canadian Students Studying Abroud
One of the most important exclusions is a pre-existing medical condition exclusion. Pre-existing medical condition means a medical condition that exists before your effective date of insurance. It may be high blood pressure, diabetes, heart condition, lung disease, etc.
Stability period. If you want to have coverage for  emergency medical expenses relating to pre-existing medical conditions, please make sure that these conditions have remained STABLE during a certain stability period before the policy effective date as stated on the policy wording.
Stability period may depend on the applicant's age and rate category as determined on the medical questionnaire (if required) and may vary from 45 days to 365 days. A 7-day "stability period" is available with TuGo Traveller plan for travelers under 60 and for trips no longer than 35 days.
Some insurance plans offer reduced stability period riders at an additional cost. Please click here for more information about these plans.
Extensions: you may extend your coverage with the same insurer if you apply for extension before the expiry date of your existing policy. Some conditions apply.
Travel Insurance for Canadian Travelers
When you are planning your vacation trip (the ocean cruise, traveling to Australia, Philippines, Dominican Republic, Cuba, Mexico, USA, Hawaii, Barbados, Italy, Greece and other destinations around the world), do not forget to purchase Travel Medical insurance. You can plan your dream trips, excursions and even sport activities! Sports participation coverage is available with TuGo Traveller insurance.
 
IMPORTANT! The provincial and territorial government health insurance plans limit the time a person can be out of Canada and still remain eligible for provincial healthcare coverage (180-212 days depending on province or territory). Check your province's health plan for details before leaving your province of residence.
Travel medical insurance covers an unexpected, unforeseen sickness or injury, which requires immediate medical attention and medical treatment cannot be delayed until returning to Canada. It may be flu, fever, stroke, broken leg, acute dental pain, new unexpected symptoms of a stable pre-existing medical condition, etc
Travel medical insurance pays for hospitalization and medical services in and out of a hospital at the time of an emergency (unexpected sickness or injury), diagnostic tests,  prescription drugs, accidental dental, dental emergency, repatriation.
Click here to get information and compare pre-existing medical condition coverage, stability requirements with travel insurance plans offered on this website.
Travel medical insurance does to cover a pre-existing condition:
   -   for which medical test, investigative consultation, surgery was scheduled to take place or was recommended but had not yet taken place prior to departure;
   -   for which test results had not yet been received at the time of departure.
WHEN to Buy Travel Medical Insurance?
Travel Advice and Advisories
Travel Advice and Advisories provide Canadians with official information and advice from the Government of Canada on situations that may affect their safety and well-being abroad. They may include an advisory for a country or region where security conditions put Canadians at heightened risk.
If Travel Advisory "Avoid non-essential travel" or "Avoid all travel" is issued for your destination before departure or during your trip, it may affect your travel insurance coverage. Make sure you understand terms and conditions in the policy regarding travel advice and advisories from the Government of Canada.
Emergency Medical Claim Examples

Get your free online quotes for Emergency Medical insurance from various Canadian travel insurance providers: compare plans and quotes, choose your best low-cost Travel Medical Insurance for Canadian travelers, buy insurance Online directly from the insurance provider.
This insurance also provides financial assistance with the cost of returning home by air ambulance, returning the patient and his or her traveling companions home early, or for relative to travel the location of the patient.
Get your free online quotes for Emergency Medical insurance from various Canadian travel insurance providers: compare plans and quotes, choose your best low-cost Travel Medical Insurance for Canadian travelers, buy insurance online directly from the insurance provider.
OtherTravel Plans

Annual Multi-Trip Plans

If you travel more than once a year, Annual Multi-Trip Travel insurance plan may be the easiest and most cost-effective solution. It is a good option for those who cross the border more than 2-3 times per year. You’ll be covered for 12 months and can take an unlimited number of trips outside your province of residence or Canada.  Get more information and instant quotes:

Top-Up Coverage

If you already have Emergency Medical plan (single-trip or multi-trip), but your trip is longer than the number of days covered under your existing policy, you can purchase top-up coverage. For quotes for Emergency Medical Top-up, OR if you want to get your Travel insurance quote on your email, please click on the button:

Trip Cancellation & Interruption

Trip Cancellation insurance covers the cost of a trip if something unexpectedly happens before your departure date, causing you to cancel your trip. Trip Interruption insurance covers events that happen on or after your departure date to your trip causing you to disrupt or interrupt your trip, or to return earlier or later than your original return date. Get Your Instant Online Quotes:

All-Inclusive Plans

All-Inclusive plan may include Emergency medical coverage. Trip Cancellation & Interruption, as well as Baggage insurance and AD&D insurance. For quotes for All-Inclusive plans, please click on the link below:

Long Absence from Canada

If you are Canadian citizens or Canadian residents, don't have coverage under a government health insurance program and live or work abroad in another country, you can consider Canadian Expatriates Travel Insurance (Allianz Global Assistance). For more information, please click on the button:

Canadian Students Studying Abroud

If you are a Canadian Student studying abroad or outside your principle province of residence, you can consider Student medical  insurance designed specifically for students.
What You Have to Know before  Applying for
Travel Insurance
How You Can Buy
Medical Travel Insurance
You can purchase Visitors to Canada insurance online directly from the insurer
If you have a pre-existing medical condition, please check your eligibility when purchasing the policy and learn how pre-existing medical condition exclusion applies to your condition.
Or call for consultation  at 1-877-443-0101 , 416-493-0101 or  Ask Your Question Online!
Other Exclusions: Travel insurance does not cover: Ongoing care, rehabilitation or check-ups; Any condition(s) for which you are registered on a waiting list for treatment or diagnosis; Any medical condition where the purpose of your trip is to seek medical treatment; Emotional or mental disorders; Routine pre-natal or post-natal care; Any sickness or  injury that could reasonably be contributed to or caused by abuse of alcohol or misuse of prescription drugs, and other.
Refer to the policy wording for a full list of exclusions and limitations of the policy.
WHAT to Do in the Event of an Emergency?
In the event of sickness or injury which may result in claim, you or somebody else must call the insurer’s Assistance Centre IMMEDIATELY at the telephone numbers shown on your policy confirmation.  When contacting the Assistance Centre, you have to provide your name, your policy number, your location and the nature of your emergency.
In the event of sickness or injury which may result in claim, you or somebody else must call the insurer’s Assistance Centre IMMEDIATELY at the telephone numbers shown on your policy confirmation.  When contacting the Assistance Centre, you have to provide your name, your policy number, your location and the nature of your emergency.
To make a claim for benefits under this policy, you will need to send a completed claim form to the insurer. All claims must be supported by original receipts and other documentation that may be required or requested by the insurer.
To make a claim for benefits under this policy, you will need to send a completed claim form to the insurer. All claims must be supported by original receipts and other documentation that may be required or requested by the insurer.
WHAT to Do in the Event of an Emergency?
Emergency Medical Claim Examples

Eligibility for Travel Medical Insurance

To be eligible for Travel medical insurance for Canadians, you must be a Canadian citizen or Canadian resident covered under your provincial health care plan for the entire trip duration.
Important!
The provincial and territorial government health insurance plans limit the time a person can be out of Canada and still remain eligible for provincial healthcare coverage (180-212 days depending on province or territory). Check your province's health plan for details before leaving your province of residence.
Travel Medical insurance provides emergency medical coverage for Canadians traveling abroad or outside province of residence for pleasure or business: vacation travel, USA weekend trips and shopping, business trips, Canadian snowbirds, Canadian students studying abroad.

What Travel Medical Insurance Cover

When Canadian residents travel between provinces or out of the country they remain covered by their provincial health care plan. However, there are restrictions as to the amount of coverage and to the periods of absence from their home province. Since only a fraction of medical and hospital expenses may be covered, Emergency Travel Medical Insurance can make up the difference.
Travel medical insurance covers an unexpected, unforeseen sickness or injury, which requires immediate medical attention and medical treatment cannot be delayed until returning to Canada. It may be flu, fever, stroke, broken leg, acute dental pain, new unexpected symptoms of a stable pre-existing medical condition, etc
This insurance also provides financial assistance with the cost of returning home by air ambulance, returning the patient and his or her traveling companions home early, or for relative to travel the location of the patient
Travel medical insurance pays for hospitalization and medical services in and out of a hospital at the time of an emergency (unexpected sickness or injury), diagnostic tests,  prescription drugs, accidental dental, dental emergency, repatriation.

Pre-Existing Medical Conditions

Stability period may depend on the applicant's age and rate category as determined on the medical questionnaire (if required) and may vary from 45 days to 365 days. A 7-day "stability period" is available with TuGo Traveller plan for travelers under 60 and for trips no longer than 35 days.
Some insurance plans offer reduced stability period riders at an additional cost. Please click here for more information about these plans.
Stability period. If you want to have coverage for  emergency medical expenses relating to pre-existing medical conditions, please make sure that these conditions have remained STABLE during a certain stability period before the policy effective date as stated on the policy wording..
Click here to get information and compare pre-existing medical condition coverage, stability requirements with travel insurance plans offered on this website.
Insurance rates are very important but it is not the only thing that requires consideration. Travel insurance plans include a row of exclusions, limitations and conditions.
Definition of STABLE is slightly different with various insurance plans, but basically, STABLE means: there were no new symptoms and diagnosis, no new medications, alteration in medications and dosage, no hospitalization, no new treatment, tests or consultation scheduled or recommended within this stability period; you are not awaiting results of further investigations for that medical condition
Travel medical insurance does to cover a pre-existing condition:
   -   for which medical test, investigative consultation, surgery was scheduled to take place or was recommended but had not yet taken place prior to departure;
   -   for which test results had not yet been received at the time of departure
Other Exclusions: Travel insurance does not cover: Ongoing care, rehabilitation or check-ups; Any condition(s) for which you are registered on a waiting list for treatment or diagnosis; Any medical condition where the purpose of your trip is to seek medical treatment; Emotional or mental disorders; Routine pre-natal or post-natal care; Any sickness or  injury that could reasonably be contributed to or caused by abuse of alcohol or misuse of prescription drugs, and other.
Refer to the policy wording for a full list of exclusions and limitations of the policy.!
One of the most important exclusions is a pre-existing medical condition exclusion. Pre-existing medical condition means a medical condition that exists before your effective date of insurance. It may be high blood pressure, diabetes, heart condition, lung disease, etc.

When to Buy Travel Medical Insurance

You should purchase travel insurance before your departure from your province of residence or Canada. With most travel insurance providers, you will not be able to get this insurance policy if you have already left for your trip. Some insurance companies offer insurance plans that can be purchased after departure, but some conditions apply.
Top-up: you should purchase top-up coverage before leaving your province of residence. The reason is the same as above.
Extensions: you may extend your coverage with the same insurer if you apply for extension before the expiry date of your existing policy. Some conditions apply.

Travel Advice and Advisories

Travel Advice and Advisories provide Canadians with official information and advice from the Government of Canada on situations that may affect their safety and well-being abroad. They may include an advisory for a country or region where security conditions put Canadians at heightened risk
If Travel Advisory "Avoid non-essential travel" or "Avoid all travel" is issued for your destination before departure or during your trip, it may affect your travel insurance coverage. Make sure you understand terms and conditions in the policy regarding travel advice and advisories from the Government of Canada.
Trip Cancellation Quotes
Canadian Expatriates
Studying Abroad Quotes
Top-Up Coverage
All-Inclusive Quotes
HOW You Can Buy Medical Travel Insurance?
You can purchase Travel Medical Insurance Online directly from the insurer:
Before purchasing a policy, please check your eligibility and, if you have a pre-existing medical condition, learn how this policy covers pre-existing medical conditions.
If you have questions, concerns, please call at 1-877-443-0101 , 416-493-0101 or  Ask Your Question Online!
Multi-Trip Quotes