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Travel Insurance

 

Travelling is an exciting experience, but it’s essential to be prepared for the unexpected. As a Canadian traveller, you have access to a range of insurance options that cater to different needs and situations. Whether you’re exploring another province, venturing overseas, or welcoming visitors to Canada, there are insurance plans designed to provide you with peace of mind.

1. Out of Province/Out of Country Travel Insurance for Canadians:

For Canadians embarking on trips outside their home province or travelling abroad, this insurance option offers comprehensive coverage. You can choose from the following plans:

Single-Trip Plan: Ideal for a one-time journey, it covers the specific number of days you purchase. There’s no age limit, but if you are 60 or above, you will need to answer some medical questions.

Multi-Trip Plan: If you’re a frequent traveller, this plan covers an unlimited number of trips during the policy year. You can opt for 4, 10, 18, 30, or 60-day plans, and there’s no age limit.
*Unlike Single Trip insurance, Multi-Trip offers continuous protection for all your journeys, saving you time and hassle. With one comprehensive policy, explore the Rockies, visit vibrant cities, and experience the Maritimes without worry.*

All-Inclusive Plan: Providing extensive coverage, this plan includes Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Delay & Damage, Flight Accident, and Travel Accident benefits. It is available for both single and multi-trip needs.

Travel Canada Plan: Tailored for those who only travel within Canada, this plan offers 50% off the regular Single-Trip Emergency Medical Plan rates.

Trip Cancellation/Interruption Plan: Should you encounter an unforeseen event that prevents you from travelling or interrupts your trip, this plan offers coverage. It must be purchased within seven (7) days of booking your trip or before incurring any cancellation penalties.

2. Visitors to Canada Travel Insurance:

This insurance is designed for individuals visiting Canada from other countries. It is particularly helpful for:

  • Visitors to Canada
  • Canadians not eligible for government insurance benefits
  • People in Canada on a work visa
  • New immigrants awaiting government health insurance plan coverage

3. Student Travel Insurance:

If you’re a student, studying either within Canada or abroad, this insurance option caters to your specific needs. It is suitable for:

  • Full-time Canadian students studying abroad
  • Full-time Canadian students studying in a different province
  • Full-time international students studying within Canada
  • The Student Travel Insurance provides up to $2 million for emergency medical coverage and additional benefits like annual medical and eye examinations, maternity benefits, and accident death or dismemberment coverage.

Choosing the right travel insurance plan is crucial to ensure you can fully enjoy your adventures without worrying about unforeseen situations. Now that you know the available options let’s gather quotes from two reputable insurance providers to help you find the best coverage for your next journey.

Relying on credit card travel insurance?

Think again! Many cards offer limited coverage, leaving gaps in protection for emergencies, high-risk activities, or even COVID-19. Don’t be caught off-guard abroad. For peace of mind and comprehensive coverage, invest in dedicated travel insurance. It’s more than a safety net; it’s a travel essential. Don’t compromise on your safety. Choose full protection.

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'My jaw dropped,' says Ontario woman of $12K air ambulance bill in Nova Scotia

Toronto resident Madelyn MacNeill, far right, got to enjoy some time with family in Nova Scotia this summer, but left with a hefty ambulance bill. (Robertson Boag)