Travel insurance for Canadians traveling abroad
Insurance that meets your protection needs for peace-of-mind travels
Out-of-province travel insurance
Every year, thousands of Canadians travel abroad for vacations, studies or extended winter stays. The problem: your provincial health coverage only pays a very small portion outside Canada. A medical emergency can cost tens of thousands of dollars.
Travel insurance offers overage for emergency medical expenses that you incur when travelling out of your home province.
This insurance is designed especially for:
- Frequent travelers from Quebec and Ontario
- Canadians spending long periods outside the country
- Professionals with frequent trips across the border
- Families travelling young children
Full travel insurance protection
MAIN COVERAGES OF INTERNATIONAL TRAVEL INSURANCE
Emergency medical fees and prescription drugs
Hospital and doctor’s fees
Transport of a family member to the insured’s bedside
Emergency X-ray and diagnostic laboratory procedures
Emergency ambulance services and repatriation
Emergency dental services
FREQUENTLY ASKED QUESTIONS
INTERNATIONAL TRAVEL INSURANCE
What do I need to buy international travel insurance?
•Being covered by the provincial health plan
•Travel dates
•Confirm not travelling against doctor’s advice
•Provide medical information and fill health questionnaire if applicable
•Pay the full premium
What does my provincial health plan cover outside Canada?
Your provincial health plan refunds more or less 8% of your emergency medical expenses when travelling outside Canada.
Example of a real-life claim: a family trip to the US, their 4-year-old child starts showing signs of an allergic reaction that quickly spreads all over the body.
Total hospital bill: $11 966 USD
Total refunded by the province: $610 USD
Total paid by travel insurance: $11 356
Does my provincial health card work as international insurance?
No. Your provincial coverage is intended for care within Canada only. When you leave the country, you are basically unprotected. International travel insurance is the only way to avoid serious financial risk.
What exclusions should I keep in mind?
• Unstable pre-existing medical conditions
• Routine monitoring of a medical condition
• Childbirth, psychological troubles or non-emergency medical services
• The abuse of alcohol, drugs or controlled substances
• High risk sports or activities, unless an optional coverage is purchased
• When the purpose of the trip is to receive medical treatment or medical attention
How long can I be covered during an international trip?
Travel insurance can cover any trips that do not exceed the permitted ouf-of-province time allowed by the provincial health insurance coverage.
However, an agreement can made with the province for longer trips; in this case, travel insurance will cover the full trip’s duration.
Can I extend my policy while I’m already traveling?
In some cases yes, but not always. It is always in your best interest to purchase insurance for the total duration of your trip.
If you need to extend your coverage while you are on your trip, you should contact your travel insurance advisor or the insurance company, before the expiry date of the policy.
AVOID UNEXPECTED EXPENSES WHILE TRAVELING!
GET A TRAVEL INSURANCE QUOTE IN MINUTES
CONTACT A TRAVEL INSURANCE ADVISOR
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