Travel Insurance for Canadian Travelers
Get your free online quotes for Emergency Medical insurance from major 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.
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 and excursions! You can hike, ski, zipline, bungee jump or even parasail over water and still be covered under your standard Emergency Medical Insurance: Sports participation coverage is available with TuGo Traveller insurance.
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.
Emergency Medical Top-up, All-Inclusive Plans
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 can purchase top-up coverage.
All-Inclusive plan may include Emergency medical coverage, Trip Cancellation / Interruption, Baggage insurance, AD&D insurance.
For quotes for Emergency Medical Top-up, All-Inclusive plan, OR if you want to get your Travel insurance quote on your email, please click on the link below:
Trip Cancellation & Interruption Insurance
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 to protect your investments in your trip.
Eligibility for Emergency Medical Insurance
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.
To be eligible for Travel medical insurance for Canadians, you must be covered by a provincial health care plan for the entire trip duration.
Canadian students studying abroad can also consider Student medical insurance (Study abroad).
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) designed for Canadian residents and Canadian citizens living abroad and not covered under a provincial health care plan.
WHAT does Travel Emergency 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.
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.
Pre-existing medical conditions and other exclusions, conditions, limitations
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, TuGo Traveller plan requires 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 residence.
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.
Travel Reports & Warnings
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 individual.
Emergency Medical Claim Examples
Contact us for details and consultation to make sure that the plan selected is right for your needs!
Revised: April 12, 2019.