Travel Reports & Warnings
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 a Travel Warning for a country
or region where security conditions put Canadians at heightened
risk. Travel Reports help Canadians make their own informed
decisions in order to minimize risk while traveling abroad.
Traveling to a country
or region with a Travel Warning may impact
your health insurance and/or trip
cancellation insurance. The decision to
travel is the sole responsibility of the
Information, free online quotes from
various Canadian insurance providers:
compare plans and quotes, choose your best low cost Travel
medical Insurance designed for Canadian travelers,
buy online directly from the insurer. Call us for assistance.
In the last
have you smoked or used
any tobacco products?Yes
*Family coverage (3 or more family members):
please enter the Date of Birth of the
eldest adult. This coverage is available
up to age 59.
Travel insurance cannot be issued for more than 365 days.
Also, please see Eligibility for the
number of days that may be covered by travel medical insurance for
*** Applicants of 60 + years
of age have to complete a medical questionnaire to determine cost of
their insurance. Please
click here to complete questionnaires Online.
Annual Multi-Trip Plans
If you travel more
than once a year, it may be less expensive to buy an
Annual Multi-Trip plan.
It is a good option for those who cross the
border more than 2-3 times per year. Youll be covered for 12 months and can take an
unlimited number of trips and each trip has
to start and end in your province of residence.
Travel Medical Insurance
for Canadian Snowbirds and Seniors (60+)
If you are 55-60 years old
or over, you may be asked
to answer a number of medical questions
on the application to determine your eligibility and rate category.
for more information, to check your eligibility, complete medical questionnaires with major Canadian travel insurance providers
and choose the best low cost solution for you. Coverage for stable and unstable pre-existing medical conditions is
possible, call us for free consultation.
To be eligible for Travel medical insurance for Canadians,
you must be covered by a provincial health care plan
the entire trip duration.
Extended Absence from Canada
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 Emergency Medical Insurance cover?
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;
for Canadian Student studying abroad or outside province of residence,
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.
Travel medical insurance pays for hospitalization
and medical services (in and out of a hospital) at the time of an
emergency, prescription drugs and diagnostic tests, accidental dental and dental emergency, repatriation. 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.
you are planning your vacation trip
(from province to province or
the ocean cruise, trip 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.
Sports participation coverage is available with
Pre-existing medical conditions and other exclusions,
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.
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.
Many travel medical
insurance policies pay for emergency medical expenses relating to
pre-existing medical conditions, if these conditions have remained STABLE during
certain stability period of time before the 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 (for ages 55+ and over) and may vary from
60 days to 365
days. For ages under 60 and trips no longer than 35 days,
a 7-day "stability period".
Definition of STABLE may be slightly different with various
insurance plans, but basically, STABLE means: there were no new
medications, new symptoms, no alteration in medications and dosage,
no hospitalization, no new treatment, tests or consultation
scheduled within this stability period.
If you have pre-existing medical condition, please
check whether the policy covers your pre-existing condition. Do it
before purchasing insurance!
Click here to compare
coverage of pre-existing medical conditions in travel insurance
plans from major Canadian travel insurance providers. Call us at
1-877-443-0101 (416-493-0101) for free consultation or
ask your question ONLINE.
Refer to the policy wording for a full list of exclusions and
limitations of the policy.
WHEN to buy Emergency Travel Medical Insurance
Generally, you have to
buy a policy before or on your departure date (before
leaving your province of residence).
Top-up: If you have
already Emergency Medical plan (single trip or multi-trip) but you
need coverage for more days than you have with the existing plan,
you must purchase top-up coverage before leaving your province of
Extensions: If you are already on
your trip and decide to stay longer, you can extend your
coverage before the expiry date of your existing coverage.
Some conditions may apply. Please call us for consultation.
Contact us for details and consultation
to make sure that the plan selected is right for your needs!