All prices here are in Canadian Dollars
Underwritten By
Trip Cancellation, trip Interruption, misconnection & delayed return, emergency medical, baggage Loss, travel & flight accident coverage for Canadian residents
Travelling Canadians
Underwritten by
Administered by
Our travel insurance products goal is to make travel worry-free and enjoyable across the globe. We offer Canadian residents to purchase either Package Tour (all-inclusive plan also known as Plan E) or separate plans (Plan A, Plan B and Plan C) to cover trip cancellation, trip interruption, misconnection, delayed return, emergency medical, baggage loss, travel and flight accidents. Customers can choose between package tour or separate plans according to their traveling needs and cost constraints.
Package Tour includes (per insured):
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Trip Cancellation: covers up to the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and unlimited After Departure coverage.
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Up to $5,000,000 Emergency Medical coverage. (learn more)
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Up to $1,000 Baggage Loss or Damage.
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Up to $500 Baggage Delay.
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Up to $100 Lost or stolen passport, driver's license, birth certificate or travel visa.
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Up to $50,000 Travel Accident.
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Up to $100,000 Flight Accident.
Covered amount prior to departure: This amount is provided by you (insurance buyer) that he/she wants to be covered prior to departure. For example, you purchased air ticket of $2,000 and want $2,000 to be covered in case of trip cancellation prior to your departure.
Note: In case of trip cancellation this plan covers up to the covered amount for unused travel travel arrangements paid for prior to departure, that are non-refundable & non-transferable to another travel date. (conditions apply *)
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Emergency medical plan covers you for the actual expenses incurred by you up to a maximum of $5,000,000 as a result of medical emergency during your trip only if these expenses are not covered under government health coverage or any other benefit plan.
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Three types of medical insurance rates are available Basic, Preferred and Standard.
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Basic: Coverage is for person under age 60 travelling for any period or age 60 to 74 travelling 30 days or less and no medical questionnaire is required.
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Preferred & Standard: For the ages above 60 years travelling for more than 30 days.
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Following is the list of medical benefits under emergency medical plan provided by Plan B and Plan E:
Hospital Stay
Covered
(conditions apply **)
Semi-private hospital room (or intensive care unit) when necessary
Covered (conditions apply **)
Emergency medical treatment
Emergency medical treatment received from a physician (or dentist in case of dental emergency) in or out of hospital.
Covered (In case of emergency MUST call the Assistance centre immediately **)
Covered (In case of emergency MUST call the Assistance centre immediately **)
INSURANCE BENEFITS
Package Tour - Plan E
Plan A - Trip cancellation, interruption, misconnection and delayed return coverage plan
Competitive rates and no maximum age.
Separate plans (Plan A, Plan B and Plan C) are available to cover your specific concerns.
Emergency medical coverage for stable pre-existing medical conditions.
Discounts available for companions and family.
Cost-effective package Tour (Plan E) to provide a comprehensive coverage related to emergency medical and trip issues.
24/7 claim support
Policy cancellation - If you have not left home and purchased Plan B and/or Plan C.
Partial premium refund - provided there is no claim already processed and you returned home before the expiry date on purchased policy.
WHY US?
Separate Plans
Plan B - Emergency medical coverage plan
Trip cancellation coverage starts at the time of policy purchased and trip interruption, misconnection & delayed return coverage starts on effective date of policy. There are three options available in Plan A for your convenience:
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Plan A - "$800 AD (After Departure)": covering the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and $800 AFTER departure.
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Plan A - "$1500 AD (After Departure)": covering the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and $1500 AFTER departure.
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Plan A - "Unlimited AD (After Departure)": covering the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and unlimited coverage AFTER departure.
Covered amount prior to departure: This amount is provided by you (insurance buyer) that he/she wants to be covered prior to departure. For example, you purchased air ticket of $2,000 and want $2,000 to be covered in case of trip cancellation prior to your departure.
Note: In case of trip cancellation Plan A covers up to the covered amount for unused travel travel arrangements paid for prior to departure, that are non-refundable & non-transferable to another travel date. (conditions apply *)
Plan C - Baggage loss, flight & travel accident plan (can only be purchased with plan A or B)
Coverage per insured includes:
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Up to $1,000 Baggage Loss or Damage.
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Up to $500 Baggage Delay.
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Up to $100 Lost or stolen passport, driver's license, birth certificate or travel visa.
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Up to $50,000 Travel Accident.
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Up to $100,000 Flight Accident.
Benefit
Details
Plan B
Plan E
Medical Care
Services of licensed private duty nurse while your stay in hospital in case of medical emergency.
Covered
(conditions apply **
Covered
(conditions apply **)
Medical Appliances
Covered
(conditions apply **)
Rental or purchase (whichever is less) of a hospital bed,
wheelchair, brace, crutch or other medical appliance when necessary
Covered
(conditions apply **)
Medical Tests
Tests needed to diagnose medical condition. All medical procedures and/or tests (e.g., MRI, MRCP, CAT Scan, CT Angiogram, Nuclear Stress Test, Angiogram or Cardiac Catheterization or any surgery) if approved.
Covered
(All these procedures MUST be authorized by the Assistance Centre in advance **)
Covered
(All these procedures MUST be authorized by the Assistance Centre in advance **)
Prescribed Medication
Covered
(conditions apply **)
Drugs that are prescribed for you and are available only by
prescription from a physician or dentist.
Covered
(conditions apply **)
Professional Services
Care received from a licensed chiropractor, osteopath, physiotherapist, chiropodist or podiatrist
Covered (up to $300 by profession)
Covered (up to $300 by profession )
Emergency Ground Transport
Covered
(conditions apply **)
Licensed ambulance service
Covered
(conditions apply **)
Emergency Air Transport
If approved or medical required we will pay for:
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Extra cost of economy class fare via the most cost-effective itinerary.
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A stretcher fare on a commercial flight.
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Return cost of an economy class for a qualified attendant to accompany you.
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Air ambulance cost.
Covered only if in case of medical emergency your treating physician or our medical advisors recommend you to return home.
Covered only if in case of medical emergency your treating physician or our medical advisors recommend you to return home.
Dental Pain Relief
Covered. Up to $300 coverage for the dental pain relief.
In case of dental emergency we cover treatment for dental pain.
Covered. Up to $300 coverage for the dental pain relief.
Extra expenses
If medical emergency prevents you to return home or forces you to stay at location other than destination you originally planned we provide some coverage for your meals, hotel, phone calls and taxi.
We reimburse up to $150 per day to a maximum of $1,500.
We reimburse up to $300 per day to a maximum of $3,000.
** Above is the list of main benefits provided by our emergency medical plans B and E. Both emergency medical insurance plans provide certain benefits for Canadian residents but all benefits have some limitations, exclusions, conditions, and other terms that may limit the reimbursement to which you are entitled. Please review these policy wordings for further details:
* We provide insurance plans to cover trip cancellation, interruption, misconnection and delayed return plans with certain benefits for Canadian residents but all these plans have some limitations, exclusions, conditions, and other terms that may limit the reimbursement to which you are entitled. Please review these policy wordings for further details:
You are NOT eligible for coverage under the insurance plans we offer for travelling Canadians if:
a) you have been advised by a physician not to travel; and/or
b) you have been diagnosed with a terminal illness with less than 6 months to live; and/or
c) you have a kidney condition requiring dialysis; and/or
d) you have used home oxygen during the 12 months prior to the date of application