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Medical Insurance For Canadians Traveling Outside Canada

emergency medical travel insurance

Knowing your Canadian Travel medical Insurance policy

You buy travel insurance for a piece of mind, but do you know if you purchased the correct coverage for yourself?

You should read the policy wordings in detail but it can be difficult to understand all the legal jargon. You should understand several issues that apply you travel insurance purchase decisions.

Eligibility

  • Canadian Residents
  • No age limit
  • Provincial governmental health cover the entire trip
  • Family plan available
  • Up to 365 days

Benefits

  • Worldwide coverage medical expenses including medical diagnosis & treatment, emergency room, lab test & semi-private hospital room.
  • 24 hours emergency assistance
  • Injury from amateur sports activities including ski, scuba diving, mountaineering
  • Paramedical service including chiropractor, osteopath, physiotherapist, chiropodist or podiatrist
  • Emergency dental treatment
  • Expenses to bring someone to your bedside
  • Extra expense for meals, hotel, phone calls and taxi
  • Emergency evacuation, local & air ambulance and expenses to bring you home
  • Expenses to bring your children and travel companion home
  • Expenses related to your death
  • Expenses to bring your vehicle home

* Eligibility & Benefits vary on each company’s plan, customers are advised to review each plan individually.

Single Trip Medical Insurance

If you plan to travel just one trip in a year, single trip plan is suitable for you. You can buy medical insurance coverage for your trip up to 365 days providing your provincial health plan coverage is in force for your entire trip.

annual-travel-insurance

Multi-Trip or Annual Medical Insurance

If you travel regularly, twice or more in a year, an annual multi-trip travel insurance policy is a better value.

On average an annual plan is about two and a half times more than a single trip emergency medical travel insurance plan. Therefore, if you travel 3 or more time in a year then you will save money.

Additionally, annual multi-trip travel insurance is more convenient because you do not need to purchase a new travel insurance plan each each time you travel.

To get a annual multi-trip travel insurance quote simply select multi-trip under Quote Display on the quote request form.

Top up Medical Insurance

Blended Medical Insurance

This plan is great for those who make multiple trips within a year, with one of them being longer than the rest. It combines a multi-trip plan and single top up trip plan.

So the start of your trip will be covered by the annual plan while the remaining days will be covered by the top-up plan. Then when you return from your trip the annual plan will continue to be in force for shorter trips through the remanded of the year.

To get a blended travel insurance quote simply select Blended under Quote Display on the quote request form.

frequently asked questions

Frequently Asked Questions about Travel Insurance for Canadians

  • What am I covered for?

    • Emergency Medical Insurance
      • Covers medical expenses due to an unexpected sickness or accident
  • What is the difference between single trip and annual plans?

    Single trip insurance will only cover the trip dates specified at the time of purchase. Annual (multi-trip) travel insurance is purchased to cover unlimited number of trips in a 365 days period. Annual plans are purchased with a trip length, normally one week, two weeks or one month. So, a 30 day annual plan will cover the insured for unlimited number of trips up to 30 days in duration. If the insured is planning a trip beyond 30 days then extra top-up travel insurance will be required to extend coverage.
  • I already have 30 days coverage from my group plan but I am planning a 60 day trip. Can I coverage for day 31 to 60 only?

    Yes you can. Only emergency medical insurance can be purchased. You have to buy Top-Up emergency medical insurance to cover the uninsured days of your trip. Be sure to input your entire trip dates and check the top-up check box in the quote request form. You will then need to input the number of days covered by your existing plan. Our quote system will then be able to calculate the accurate number of days for the top-up plan. Some companies charge top-up fees and some companies will only top-up their own plans. All necessary information is available on the quote report page.
  • What is the blended insurance tab on the quote report?

    Blended emergency medical travel insurance combines and annual emergency medical plan with a top-up plan to insure your entire trip. The advantage of purchasing blended is that the annual plan will remain in force for the rest of the year so you will not need to purchase insurance for shorter trips. You will see a drop down list that says something like 4 days + 62 which means you can purchase a 4 day annual plus 62 day top-up. You can choose the option that best suits your travel needs.
  • I already left Canada and I forgot to buy medical insurance. Can I buy some now?

    No and Yes! Canadian insurance companies will not issue plans to Canadians already departed. You can still purchase an international medical insurance policy as many do not required you to purchase prior to departing your home country.
  • I am Pregnant. Can I get medical insurance coverage for my trip out of Canada?

    You can get coverage if you are in your first two trimesters. Most companies will cover non-routine medical expenses to the end of the 31st week. If you are in your last trimester then no company will insure any expenses related to your pregnancy. TIC will cover pregnancy related emergency medical expenses to the end of the 32nd week. etfs will cover the expenses related to the premature infant as well as the mother to the end of the 31st week.

Companies Providing Emergency Medical Insurance Plans For Canadian Travelers

CanAm Insurance
Plan Name PrimeLink Plus
Coverage amounts $5,000,000
Deductibles options $0, $500, $1,000, $5,000, $10,000
Pre-existing Condition Exclusion Applicable to persons aged 59 years and under (Plan AA): Sickness, injury, medical emergency, claims and/or expenses resulting from a pre-existing condition are not covered unless the pre-existing condition was stable and controlled in the 60 days prior to your departure date.
Maximum Age 89
Notes
Policy Wordings

ETFS
Plan Name Medi-Select Advantage
Coverage amounts $5,000,000
Deductibles options $0, $250, $500, $1,000, $5,000, $10,000
Pre-existing Condition Exclusion Applicable to ages 54 and under - 180 days (90 days for high blood pressure) Exclusion : Any sickness, injury or medical condition (other than a minor ailment) that was not stable at any time during the applicable Pre-existing Period prior to each departure date. Pre-existing Period: 365 days Exclusion : a) any lung condition for which you required hospitalization, the use of home oxygen therapy or treatment with oral steroids (e.g. prednisone) at any time during the applicable Pre-existing Period prior to each departure date; b) any heart condition which was not stable at any time during the applicable Pre-existing Period prior to each departure date; d) any of the following conditions if you have been diagnosed or treated for a total of three or more of these conditions at any time during the applicable Pre-existing Period prior to each departure date: any heart condition, any lung condition, high blood pressure or diabetes treated with oral medication and/or insulin. Pre-existing Period: Ever Exclusion : congestive heart failure if you have ever been diagnosed or treated for congestive heart failure;
Maximum Age None
Notes
Policy Wordings

Manulife Financial
Plan Name Emergency Medical for Canadian Travelers
Coverage amounts

$5,000,000

Deductibles options $0, $500, $1,000, $5,000, $10,000
Pre-existing Condition Exclusion Applicable to ages 54 and under - Rate Category A+. We will not pay any expenses relating to: -a pre-existing condition for which you have taken, received or been prescribed medication or treatment in the twelve (12) months before your effective date; and/or, -your heart condition if, in the twelve (12) months before your effective date you have taken, received or been prescribed medication or treatment or you have taken any form of nitroglycerine for the relief of angina pain; and/or, -your lung condition if, in the twelve (12) months before your effective date you have taken, received or been prescribed medication or treatment or you required treatment with oxygen or prednisone for your lung condition.
Maximum Age None
Notes
Policy Wordings

TIC - Travel Insurance Coordinators
Plan Name Emergency Hospital and Medical Insurance for Canadians
Coverage amounts

$5,000,000

Deductibles $0
Pre-existing Condition Exclusion Any sickness, injury or medical condition, that exhibited symptoms for which a diagnosis need not have been made or required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, within the 180 days immediately prior to the effective date. This exclusion applies to persons up to age 70 on the effective date, traveling for periods of 36 days or longer and persons age 71 and over for trips of any duration. Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
Maximum Age 85
Notes
Policy Wordings

Travel Guard
Plan Name Gold Medical Plan
Coverage amounts

Unlimited for applicants age 0-59

Deductibles options $0
Pre-existing Condition Exclusion Applicable to Age 0 - 59. Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion: ME#1. If at any time in the 90-day period immediately preceding your effective date: a) Your medical condition or any related condition has not been stable and controlled; b) Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or c) Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone); Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition.
Maximum Age None
Notes
Policy Wordings

Travel Underwriters
Plan Name Freedom Emergency Excess Hospital/Medical Insurance
Coverage amounts

$5,000,000

Deductibles options $0, $250, $500, $1,000, $2,000, $5,000, $50,000, $100,000
Pre-existing Condition Exclusion Any pre-existing condition as defined, except as follows: Applicable to persons 60 to 89 years a) On all trip lengths, pre-existing conditions must be stable in the 365 days prior to the commencement date of a covered trip. Pre-existing conditions that do not meet the criteria set out above are not covered. Applicable to persons 59 years and under a) On trips 35 days and less, except for conditions for which symptoms arose or for which medical consultation was required on the date of departure or at any time within the seven days prior to the date of departure, other than a minor ailment. b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the commencement date of a covered trip.
Maximum Age 89
Notes
Policy Wordings
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