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Group Medical Services (GMS)

TravelStar® Travel Insurance


TravelStar Travel insurance offers Trip Cancellation & Interruption insurance including Baggage insurance, Emergency Medical plan with coverage for stable pre-existing medical conditions. Get a quote or buy Travel insurance online directly from  Group Medical Services: please, click the link below and follow the on-screen prompts. Call us, if you need assistance.


Get a quote  OR  buy online


For assistance and to buy a policy, please call at

 416-493-0101 , 1-877-443-0101

What's on This Page

Policy wording

Emergency Medical Insurance

         (Single-Trip and Multi-Trip)

Key Features

Summary of Medical Coverage

Eligibility & Medical Questionnaire

        (for applicants 60 years old and over)

Pre-Existing Medical Conditions

Trip Cancellation & Interruption Plans


Important Notice regarding claim procedure !

In the event of medical emergency, you, or someone on your behalf, must contact GMS assistance centre prior to treatment whenever possible. Failure to contact GMS assistance centre within twenty-four (24) hours of receiving medical treatment or admission to hospital will limit benefits otherwise payable to 70% of eligible charges to a maximum of $50,000.


What coverage you will get

Emergency Medial Insurance


1.   You are NOT eligible if you:

a. have an Implantable Cardioverter Defibrillator (ICD);

b. have ever been diagnosed with congestive heart failure (CHF);

c. are awaiting further tests or treatment for heart disease which includes but is not limited to angina,  irregular heartbeat, heart attack, ischemic heart disease, valvular heart disease and myocardiopathy;

d. require insulin to treat diabetes and also take prescription drugs for heart disease: see (c) above for heart disease description;

e. have been diagnosed with metastatic cancer;

f. have cancer (except breast or prostate cancer treated exclusively with hormonal therapy or basal cell carcinoma) which requires chemotherapy, radiotherapy or other medical treatment other than routine follow-up;

g. have any vascular aneurysm that remains surgically untreated;

h. have undiagnosed episodes of fainting or falling (syncope);

i. take oral steroids for a lung condition;

j.  are seventy (70) years of age or older and require assistance from another person(s) with activities of daily living (ADL) which include, but are not limited to, personal hygiene and grooming; dressing and undressing; self-feeding; functional transfers (getting into and out of bed or a wheelchair, getting onto or off the toilet, etc.); bowel and bladder management; and/or medication management; or

k. have any medical condition necessitating the use of home oxygen.

2. You are NOT eligible if, within the twelve (12) months prior to applying, you have been diagnosed with any of the following conditions or you have any of the following conditions which have not been stable for twelve (12) months prior to applying:

a. Acquired Immune Deficiency Syndrome (AIDS);

b. a terminal illness (an advanced stage of a progressive disease with an unfavourable prognosis and no known cure);

c. atrial flutter;

d. atrial / ventricular fibrillation;

e. peripheral vascular disease;

f. stroke/transient ischemic attack (TIA);

g. blood clot(s);

3. You are NOT eligible if, within twelve (12) months of applying, you have undergone any of the following procedures:

a. kidney dialysis;

b. valve surgery or replacement; and/or

c. organ, stem cell and/or bone marrow transplant.

4. You are NOT  eligible if you are not a Canadian resident with valid provincial health coverage for the entire duration of your trip.

5. You are NOT  eligible to purchase after your departure date or if you are outside of your province of residence, unless purchased as a top-up to an existing GMS policy.

6. You are NOT  eligible if your total trip length exceeds the total number of days allowable under your government health plan.

Applicants 60 (sixty) years of age and over must complete a medical questionnaire at the time of application for emergency medical insurance to determine rate category (Eligibility & Medical Questionnaire ). Should any changes to your health occur after the application date and prior to the effective date, GMS must be notified and your application updated.

If you are 16 years of age or older and have used tobacco or tobacco products in the last 24 months, a 15% smoking surcharge applies.


Single Trip Daily Emergency Medical
TravelStar® Daily protects you in the event of medical emergencies when you’re traveling out of province or out of Canada. It provides up to $5 million coverage for a complete complement of emergency benefits, travel for short and long-term trips, no age restrictions, and 24-hour worldwide travel assistance.


Multi-Trip Annual Travel Emergency Medical
The Multi-Trip Annual Travel plan provides emergency medical coverage for travel outside your province or outside Canada for trips under 15 and 30 days. Buy it once and take as many trips as you want in a year.
You’ll be covered for 12 months and can take an unlimited number of trips up to the trip duration you have chosen. Coverage for each separate trip commences and becomes effective immediately upon your departure from your province or territory of residence and expires when you return to your province or territory of residence. For any trip which is longer, you can purchase a top-up before your departure.

To purchase the Multi-Trip Annual Travel Plan, you must be age seventy-nine (79) or less at the effective date.

This policy does not covered any expenses for work related accidents.


Deductibles: Automatic $250 CAD deductible; $0 deductible  is available for 10% surcharge. Deductible $1,000 - 10% discount, deductible $5,000 - 20% discount. $0 deductible is not available for trips over 180 days.

Emergency Medical Benefits




Hospital accommodations up to semi-private rooms and hospital services and supplies necessary for emergency care during hospitalization.  

Medical Services

Treatment by physician or surgeon.

Diagnostic Services

X-rays and other diagnostic tests.

Out-Patient Treatment

Out-patient emergency room charges.

Prescription Drugs

Prescription drugs and medication prescribed by a physician. Maximum of a thirty (30) day prescription.

Private Duty Nursing

Up to maximum $5,000 per person

Road Ambulance

Covers expenses for the use of a licensed road ambulance in the emergency situation to the nearest  hospital.

Air Ambulance

Covers expenses for the use of an air ambulance or regularly scheduled airline to transport you back to your province of residence for further in-hospital treatment.

Remote Evacuation

Up to maximum of $5,000 for evacuation form remote location to nearest accessible hospital

Special Attendant

One round-trip, economy class airfare for a medical attendant to accompany you back to your province of residence.

Paramedical Services

Up to $300 for the emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist.

Accidental Dental

Up to $2,000 per injury and up to $250 for the relief of dental pain.

Return of Remains

Preparation and transportation to your country of origin, destination in Canada, or the cost of cremation or burial at the place of death.

Child Care

If you are hospitalized, up to $500 for licensed child care for a dependant that is traveling with you.

Out of Pocket Expenses

Accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date.

Coverage Continuation

If coverage expires while hospitalized, coverage will continue for all covered persons up until 72 hours after discharge from the hospital.

Other Benefits

Return of Family Member, Family to Bedside, Family Transportation, Return of Vehicle, Return of Cat or Dog, Escort of Insured Children

24-Hour Travel Assistance Services

Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; monitoring of progress during treatment and recovery by managed care.

This is a summary of the benefits. Please read the Policy wording before purchasing the policy for more details on the coverage provided, conditions, exclusions and claim procedure. 


Exclusions and limitations.  Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

A Pre-Existing Medical Condition exclusion may apply to a medical condition and/or symptoms that existed prior to your trip. This policy pays for emergency medical expenses relating to pre-existing medical conditions which have been stable in 180 days before the effective date of the policy. Please Click here for more information.


Other Exclusions:

GMS does not cover:

-   any expenses for medical consultation, medical treatment or in-hospital care resulting from the continuation, recurrence or complication of an emergency medical condition, after such time that the emergency has been deemed to have ended as advised by GMS;

-   any expenses resulting from medical treatment that is not a medical emergency, including but not limited to: routine or general physical examinations; regular care of chronic conditions; elective surgery; dental or cosmetic surgery, even if recommended by a physician; and follow ups or continued services following emergency medical treatment when not authorized by GMS;

-   any expenses related to pregnancy, miscarriage, childbirth or complications of any of these conditions occurring after the first eighteen (18) weeks of pregnancy;

-   any expenses for work related accidents.

Please refer to the policy wording (pg 5-8) for a full list of exclusions and limitations.

Non-Medical Plans (Single Trip and Multi Trip)

This plan includes:

   Trip Cancellation & Interruption (Maximum coverage of $10,000 after departure)

   Baggage Loss, Damage & Delay (coverage up to $1,500)

Multi-trip Non-medical plan can only be purchased with Emergency medical multi-trip plan.


Eligibility for Trip Cancellation & Interruption Insurance

- You must be a Canadian resident;

- You must purchase this Trip Cancellation & Interruption insurance prior to your departure date;

- Your trip must be purchased through a travel supplier or arranged through a licensed travel agent;

-  On the booking date of your trip, the destination must not be deemed a country to "avoid non-essential travel" or "avoid all travel" as identified in Foreign Affairs and International Trade Canada's travel report;

-  For trips valued at $12,000 or more, you must also meet the medical eligibility requirements for an Emergency Medical Single-Trip plan, regardless of your age.


Optional Additional Coverage Enhancements (Single Trip and Multi Trip)

 Trip Delay Upgrade

NOTE: The product related information is for illustration purpose only. Please refer to  the Policy wording for details on the coverage provided, conditions, exclusion and claim procedure.  


Get a quote and buy online

If you have questions, need help to complete the online application, or want to purchase a policy please call Natalia at 416-493-0101 (or 1-877-443-0101) or click here to send your question.


What to do if you get sick or injured.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, you, or someone on your behalf, must contact GMS assistance centre prior to treatment whenever possible.


Important! Failure to contact GMS assistance centre within twenty-four (24) hours of receiving medical treatment or admission to hospital will limit benefits otherwise payable to 70% of eligible charges to a maximum of $50,000. You can find GMS Assistance Centre phone numbers on the Policy wording (pg.1) and your confirmation of coverage in Section **IMPORTANT INFORMATION**.

When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.


To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to GMS. Consult the claim guideline in your Policy wording  (pg.8).

Investments:    RESP     RRSP     TFSA    Segregated Funds

Revised: February 15, 2018.