Travel health insurance is designed to cover losses arising from sudden and unforeseeable circumstances. Travelling for business or pleasure, travel with the piece of mind that you will be taken care of if any unexpected emergency medical expenses occur. Travel health insurance covers you whether leaving Canada or getting visitors from abroad.
If you plan to travel outside Canada ‒ even for a day in the United States – you should buy travel health insurance before you leave.
Why you should buy travel health insurance
- Your Canadian health insurance may not pay your medical fees while you are outside Canada
- Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
- Foreign hospitals can be very expensive and may require immediate cash payment
- In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills
- The Government of Canada will not pay your medical bills
Emergency medical plan
Emergency Medical Insurance covers you for up to $10,000,000 CDN of covered expenses incurred by you for treatment required by you during your trip if a medical emergency begins unexpectedly after you leave home, but only if these covered expenses are in excess of any amount covered by your government health insurance plan or any other benefit plan. The treatment must be required as part of your emergency treatment.
Visitors to Canada
Who can apply?
• Visitors to Canada;
• Canadians who are not eligible for benefits under a government health insurance plan;
• Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
• New immigrants who are awaiting Canadian government health insurance plan coverage.
Single trip All-Inclusive
In consideration of the application for insurance for which you have met the eligibility requirements and paid the appropriate premium, we will pay you:
• up to a maximum of $10 million CDN per policy for reasonable and customary charges incurred by you as a result of an emergency occurring while you are travelling outside your province or territory of residence
• up to a maximum of $3,500 for a Trip Cancellation & Interruption claim if you purchased a Single-Trip All-Inclusive plan
• up to $3,500 per trip to a maximum of $6,000 per policy for a Trip Cancellation & Interruption claim if you purchased a Multi-Trip All-Inclusive plan
• up to $1,000 per trip for Baggage Loss or Damage and up to $500 for Baggage Delay per policy, if you purchased a Single-Trip All-Inclusive plan
• up to $3,000 for Baggage Loss or Damage, and up to $1,500 for Baggage Delay, per policy, if you purchased a Multi-Trip All-Inclusive plan
• up to $100,000 for death or dismemberment in the event of a Flight Accident
• up to $50,000 for death or dismemberment in the event of a Travel Accident