Travel Insurance
Travel insurance can help protect you from unexpected medical costs, trip interruptions, cancellations, lost baggage, and emergency travel situations when travelling outside your province or outside Canada.
The Government of Canada says that if Canadians plan to travel outside Canada, even for one day in the United States, they should buy trip interruption and travel health insurance before leaving. [travel.gc.ca]
Best For
Families travelling outside Canada
Snowbirds
Visitors to other provinces
Seniors
Frequent travellers
Travellers with pre-existing medical conditions
Students or workers travelling abroad
Additional Plan Details
Common Coverage Areas
• Emergency medical expenses
• Hospitalization
• Ambulance and medical evacuation
• Trip cancellation
• Trip interruption
• Lost or delayed baggage
• Accidental death and dismemberment
• Visitor-to-Canada coverage
Quick Questions Clients Should Ask
• Am I covered for pre-existing medical conditions?
• What is the stability period?
• Does the policy cover side trips?
• Are cruise trips covered?
• Does the policy include trip cancellation or only emergency medical?
• Are there exclusions for travel advisories?
• Is the coverage single-trip or multi-trip?
Common Mistakes
• Assuming credit card travel insurance is enough
• Not checking the stability clause
• Buying after symptoms or medical changes occur
• Ignoring travel advisory exclusions
• Not checking maximum trip length
• Not disclosing medical history accurately
Important Planning Points
The Government of Canada notes that provincial or territorial health plans may cover none or only a small part of medical care abroad and that the federal government will not pay medical bills for Canadians abroad. [travel.gc.ca]
Protect Your Business. Plan for the Future.
Before you travel, review your coverage so you understand what is covered, what is excluded, and whether your medical history affects eligibility.