Coverage for Travelling Canadians

Designed for Canadians Travelling out-of-province or outside Canada.

Find the right travel coverage that fits your needs.

  • Get up to $10 million CDN in emergency medical insurance

  • Choose from a variety of insurance plans

  • Get a quote in minutes

  • Buy online or by phone

  • Plus, save 50% on rates if you travel within Canada

Travel insurance for every kind of trip, from getaways to once-in-a-lifetime adventures

Single trip
Coverage overview

This plan is ideal when you are only taking one trip within a 12-month period.

With three Single Trip plans available, you can pick the one that’s right for you.

Emergency Medical Plan1

  • You can get up to $10 million dollars CDN in emergency medical insurance.
  • If you get sick, you may have access to a qualified doctor by phone or even have the doctor make a house call with the Medical Concierge benefit. 
Trip Cancellation/Interruption Plan3

Provides you reimbursement for your prepaid non-refundable and non-transferable travel arrangements in the event you must cancel your trip or your trip is interrupted due to a covered event6.
All Inclusive Plan1

You’ll have all the benefits of Emergency Medical Insurance, Trip Cancellation/Interruption Insurance, plus:

Baggage Loss, Damage and Delay Insurance1

You may be reimbursed up to $1,000 CDN per trip if loss or damage to your baggage occurs due to a covered event6Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $500 CDN for necessary toiletries and clothing.

Flight and Travel Accident Insurance1

This benefit provides a lump sum payment in cases of accidental bodily injury or death while travelling as a commercial passenger on a plane, while making a flight connection or while you are at the airport awaiting a flight. A lump sum payment is also payable in cases of accidental bodily injury or death as a result of an accident that may happen during your trip.

Multi-trip
Coverage overview

What’s the average length of your trips? You can get coverage for up to 4, 10, 18, 30 or 60 days. Plus, you can top up4 your emergency medical coverage and purchase additional days if your trip is longer than planned.

With two Multi Trip plans available, you can pick the one that’s right for you.

Emergency Medical Plan1

  • If you need emergency medical care, you can receive up to $10 million dollars CDN in emergency medical insurance.
  • If you get sick, you can access to a qualified doctor by phone or even have the doctor make a house call with the Medical Concierge benefit.
All Inclusive Plan1

You’ll have all the benefits of Emergency Medical Insurance, plus:

Baggage Loss, Damage and Delay Insurance1

You may be reimbursed up to $3,000 CDN per trip for loss or damage to your baggage due to a covered event6. Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $1,500 per policy CDN for necessary toiletries and clothing.

Flight and Travel Accident Insurance1

This benefit provides a lump sum payment in cases of accidental bodily injury or death while travelling as a commercial passenger on a plane, while making a flight connection or while you are at the airport awaiting a flight. A lump sum payment is also payable in cases of accidental bodily injury or death as a result of an accident that may happen during your trip.

Travelling within Canada
Coverage overview

If you are travelling outside your province or territory of residence but within Canada, you still need travel insurance.

Our Canadian Travel Emergency Medical Single Trip Plan gives you all the coverage of our regular Emergency Medical Single Trip Plan at a 50% savings. Every province has its own Government Health Insurance Plan (GHIP)2 which can have different maximum amounts payable for different medical services. So, if you need emergency medical attention while travelling out-of-province, you will personally have to pay any difference between what your province's GHIP covers and what the destination province charges.

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

Top-up your travel insurance
Coverage overview


If you’re extending your trip or your employee health plan doesn’t provide enough coverage, it’s smart to “top up” your travel insurance. Here’s how:

Let’s say you’re insured for a 10-day trip but you’re actually staying for 12 days. You can top up your emergency medical insurance by purchasing two extra days of coverage. Then you’ll have coverage for your whole trip5.

Topping up your emergency medical insurance1 is ideal when:

  • Your current Multi Trip plan doesn’t cover the full length of your trip.
  • You’re already insured through your employee extended health plan or your credit card, but you need a few extra days of coverage5.

Please ensure your current plan allows top ups.

Plus, Emergency Medical Top-Up coverage is available for individuals, couples and families1.

 

Helpful resources and tools

Usually travel involves months of planning but sometimes it can be a spontaneous, last minute decision. Make sure you are prepared.

Plan a Trip

Frequently asked questions

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

Government health insurance plans do have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, purchase additional medical coverage even while travelling within Canada.

We ask you to call our Assistance Centre (1-877-372-2988) so that we can confirm your enrolment under the plan, and, with the healthcare provider, manage the benefits in accordance with your policy. By calling the Assistance Centre, you may avoid out-of-pocket expenses. If you do not call the Assistance Centre, you will have to pay 20% of the medical expenses normally covered under this insurance. If it is medically impossible for you to call, please have someone call on your behalf. It is your responsibility to ensure that the Assistance Centre has been notified.

If you are already on your trip, you can extend coverage by calling Customer Service provided there has been no claim, no injury, sickness, or symptom has occurred that would give rise to a claim, or a change in your health. In addition, you must request the extension before your coverage expires and pay the appropriate premium. If you have a medical condition or pending claim, approval of the extension of your coverage is subject to approval.

If you have a Multi Trip Plan, you must top up your coverage before you leave home by purchasing an Emergency Medical Top-Up plan for the additional number of days beyond the duration provided by your Multi Trip.

Ready to apply

Coverage for Travelling Canadians

Get a quote online with the convenient application process.

Apply online

Phone

Call us toll-free
1-877-421-0157

Mon-Fri (8:00am-8:00pm EST)

For claims - phone

Call toll free
1-877-372-2989

Mon-Fri (8:00am-8:00pm EST)