travel insurance broker canada

We all know "it" happens - have a guardian by your side

WE'VE GOT YOU COVERED!

Guarding your peace of mind.

Travel Insurance for everyone! We provide tailored travel insurance solutions around the unique needs of our individual clients.  Our leading edge is our extensive product line offering the most affordable rates to provide you and your family with solid protection.  Whether you are traveling outside of your home province or country, visiting Canada or looking for a personalized healthcare plan – we have you covered.

CANADIANS TRAVELING

Whether you’re traveling to another province or outside of Canada, make sure you have insurance should the unexpected happen.

TRAVELING TO CANADA

Planning a visit, moving to Canada or perhaps returning from a long stay abroad?  Get the coverage you will need before you arrive.

INDIVIDUAL HEALTH PLANS

Life is unpredictable.  Don’t risk becoming overloaded with out-of-pocket medical expenses.  Invest in a personalized healthcare plan today.

TRIPS INSURED

CLAIM REIMBURSEMENT

HAPPY CUSTOMERS

Travel Insurance for Everyone.

Ready to get insured? In a few steps you can get a live quote and buy, everything online. Or you can talk to our specialists and they will find you the best coverage at the best rate.

THREE REASONS TO CHOOSE US

Our clients are our #1 priority. Offering world class customer service, we are always here to assist you.

Our solid systems and procedures secure you get the coverage you need no matter your medical conditions.

Our team will find you the best policy at the best rate by accessing most products in the market and exclusive programs.

Happy clients are the best form of advertising. Read more of our stellar reviews here .

Our unique circumstance was such that we couldn’t insure a particular risk while travelling. I looked for an insurance broker. The reviews I read here were favourable. We had a very good experience with Travel Guardian Insurance. They were able to find coverage that met our needs. We would easily do business with them anytime.  

I highly recommend this company, my grandma was told she wouldn’t be able to get travel insurance to go to asia, which would have been her last chance to go. travel guardian reviewed her medical history and got the proper supporting documentation and determined they could cover her. because of this company she has been able to go to asia twice to see her family. thanks travel guardian.

Christina M.

I highly recommend Travel Guardian Insurance. I am 85 and have, as expected, some issues. They were dealt with and although the premium was not inexpensive I will now travel, worryfree, knowing that I am completely covered. The representative, I had the pleasure of dealing with was patient, knowledgeable and professional . Thank you

The travel guardian team represents among the highest levels of customer service i have experienced in the industry. information is always accurate, turn around time to questions and quote requests always very fast. staff is always very clear and takes the time to be very detailed with clients to help them make an informed decision quickly, minimising the end to end time to make their process an excellent experience..

Margaret J.

We have been insuring with Travel Guardian for a number of years and been completely satisfied with the responsiveness and level of service provided. Additionally, we have from time to time compared Travel Guardian's prices with other providers and have always found the best price with Travel Guardian.

Need a travel insurance quote or have more questions contact us today..

No matter how much you plan before your vacation or travel, unforeseen circumstances can always dampen a trip. But don't worry — Travel Guardian Insurance is here for all your travel uncertainties with our exclusive range of Travel Insurance Plans.

Travel insurance is aimed to indemnify against potential dangers, emergency circumstances, and financial losses that may occur while travelling. Some of our policies cover missed flight arrangements and misplaced luggage and others cover accidents or acute diseases.

Our Travel Insurance policies will give you the right coverage for your specific needs — such as travel health insurance, baggage insurance and multi-trip benefits to keep you protected throughout your travels.

Travel Guardian Insurance prioritizes customer service. Our travel insurance specialists will guide you through our travel insurance plans and answer any questions you may have. We believe that age should never be a restriction to travelling! Coverage can account for health conditions with individual health plans.

Travel Guardian Insurance also offers travel insurance to young people and families. If your trip gets cancelled, a health issue arises, you have to travel internationally, or you wish to travel out of the province, look no further than Travel Guardian Insurance for affordable travel insurance plans.

Travel Guardian Insurance has been trusted by international travellers since 1991. Beginning in Ontario, we now have five offices across Canada. Our experts will get you the finest insurance at the fairest price!

Why choose Travel Guardian Insurance?

We make it simple to get the finest travel coverage plan for your trip. Finding low-cost, high-quality travel insurance can be challenging. Travel Guardian make the process easy and stress-free! Don't make travel insurance a frustrating process — our travel insurance specialists will guide you through the entire process.

We customize our travel insurance plans according to our client's specific requirements.

Travel Guardian Insurance can help you cover the costs of:

Medical expenses if you are injured while travelling or become sick.

Lost baggage or stolen valuables.

Travel disruption if your trip is cancelled, delayed or interrupted by events beyond your control (such as natural disasters).

Rescheduling expenses if you have to change your travel plans.

What do we offer?

Our competitive advantage is our wide product range, which offers the cheapest travel insurance rates to provide the best travel insurance coverage. We have you covered if you go outside your native province or country, visit Canada, or seek a customized healthcare plan. Our services for travel insurance include:

Canadians Travelling

Travelling to Canada

Individual Health Plans

If you are ready to be insured, you can receive a live quotation and fill everything online in just a few steps. Alternatively, you may talk to our specialists, who can help you find the best coverage at the lowest price.

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Trusted Travel Insurance. Nearly 30 Years of Expertise.

Medical, Trip Cancellation and Interruption, and Baggage Protection Insurance: Tour+Med covers travelling Canadians of all ages.

Get 24/7 support anywhere around the world, plus access to our network of medical experts.

Latest News

The Early Bird Discount is Here!

Only 30 DAYS of stability for pre-existing conditions!

We're hiring!

Get the best travel insurance for your trip, get a quote.

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Make a claim

Read about our travel insurance products, contact emergency assistance, traveling with peace of mind..

Tour+Med has been providing travel insurance to Canadians of all ages for almost 30 years.

We are a trusted name among Snowbirds, but our competitive premiums, comprehensive coverage, and personalized approach meet the needs of all types of Canadian travellers.

Take advantage of our global network of medical experts.

Travel confidently!

Why choose Tour + Med

Travel insurance specialists.

Our experts take the time it takes to provide advice and answer your questions.

Personalized coverage

We customize your coverage so it suits your needs.

We are here for you, every step of the way

We are by your side at all times; from your purchase to your claim, including assistance.

Simple and clear

We simplify processes and documents to help you understand the insurance you are buying.

Testimonials

Thanks for all your help in the past months. Special thanks to (employee from Claims Services), who always was respectful, caring, knowledgeable and responsive. We have passed on your company name to everyone we talk to regarding emergency medical & travel insurance.

We have had Tour-Med for the last 7-8 years.

And …yes… we did had an expensive claim:

• service was EXCEPTIONAL
• response and attention to detail was IMPECCABLE
• claims payments were PROMPTLY made…NO HASSLES…they paid and delivered EXACTLY what they promised.
• have NOT had a premium increase due to the 2 claims as far as we can tell.
• after discharge from hospital, they followed up with us to find out if anything was still standing and how we were doing.

They are not the cheapest nor most expensive but we FULLY endorse their policies.

We sent our documents for cancellation of our trip and received the refund in less than 10 days. Extraordinary service. I will deal with Tourmed again.

I unfortunately had a motor bike accident in Utah in July, 2023.  I was severely injured and spent a week in the hospital. I received EXCELLENT care and was 'medevact' to my home in BC on a private jet with two medical attendants..I can only imagine the cost for all this as all the bills were paid for by Tour+Med. Any bills I did receive I simply forwarded to them for payment. No questions asked!  I UNEQUIVOCALLY  recommend Tour+Med!!  Choosing Tour+Med as my insurer saved my life and my retirement pension!!  With gratitude, R.R.

We received a letter last week informing us that my husband's invoice from the hospital in Florida had been paid. This email is to say THANK YOU for the excellent service. We received professional service from the beginning. Every time we had a call, the first thing that was asked is how we were doing, and it feels good to see that human service still exists. We won't go away for long periods anymore due to (our age and) what happened this year, but rest assured, we will recommend you to our friends and family.

I received your letter dated July 4, advising me that TourMed had paid my hospital bill after my incident in Arizona in April. I can’t tell you how relieved I am to know that was covered! I thank you so much!

To give you a little background of the incident… there were 12 of us exploring the desert beauty in the area South of Florence, when we were all attacked by a huge swarm of Africanized honey bees (more commonly known as ‘killer bees’). We were all stung, but I seemed to be the worst. In my hospital stay, they told me they had removed over 500 stingers from my body, primarily my back, chest, face and scalp. The bees were in my nose, ears, and mouth. I was intubated and airlifted to the trauma centre where I was treated for 5 days. I am still not 100%, but a little better everyday. We have all been wary of scorpions and rattlesnakes in the desert, but not these bees!

I am very lucky to have survived this incident, and I truly believe the quick response from the medical team that treated me played a huge part in my survival. I am so very grateful to all involved in my ongoing recovery from this horrific ordeal.

Read our blog article about this medical emergency.

Thank you for your prompt handling of my request. It's very nice to see something go through so smoothly!

I had a medical problem arise while on holidays in Texas and required an emergency hospital visit. The LS-Travel Company far exceeded my expectations. Everyone that my husband or I spoke with at LS-Travel was amazing and I deeply appreciate how efficient my claim was handled. I would highly recommend this company for your travel insurance needs and am truly grateful to all the helpful kindness that your team provided. Thank you from the bottom of my heart.

My wife was hospitalized and needed to be repatriated to Canada in an air-ambulance. You were there at all times during this ordeal and showed great sollicitude.

You show empathy and do exceptional work. We greatly appreciate your professionalism.

I want to thank you for dealing with my medical claim so quickly and efficiently. The online claims process was simple and easy to understand. It took very little time. Impressive! I will recommend your company to my friends.

Already a client?

Visit the client portal to view your policy documents, print your tax receipts, change your dates, inform us of your new address, and much more!

Travel Advice & Blog

Things to do in maine: complete guide for a successful trip, 6 must-see places for rvers in canada, high blood pressure and travel insurance: everything you need to know to travel well-covered with hypertension, head office and customer service.

247, boulevard Thibeau Trois-Rivières (Québec) G8T 6X9

Telephone, toll free:

1 877-344-8398

819-377-3587

Emergency medical assistance

A bilingual team available 24 / 7 anywhere around the world!

E.U. and Canada:

1 844 820-6588

1 888 820-6588

1 819 377-2241

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Assistance médicale d'urgence en voyage

Une équipe bilingue disponible 24 / 7 de partout dans le monde!

E.U. et Canada :

001 888 820-6588

Frais virés :

001 819 377-2241

A bilingual team available 24 / 7, anywhere around the world!

Holiday September 2 nd

Please note that our offices will be closed on Monday, September 2 nd for Labour Day .

For a last-minute purchase, check out our online quoting tool .

To extend your policy, connect to the Client Portal .

If you are on a trip and require Emergency Medical Assistance , click the link below. This service remains available 24/7.

Offices closed at noon on Wednesday, June 5 th .

Our offices will exceptionally close at noon on Wednesday, June 5, 2024 for an internal team activity.

Special Long Weekend Schedule :

Please note that our offices will be closed from Friday March 29 th to Sunday 31 st .

We will be open on Monday April 1 st .

Statutory Holiday May 20th:

Please note that our offices will be closed on Monday, May 20 th for Victoria Day .

Travel Insurance Office Inc.

TRAVEL SAFE. TRAVEL PROTECTED. TRAVEL TIO.

All rates lower than last year!

Early Bird Discount

Early Bird Special

Lock-in discounted rates with a fully refundable $50 deposit by September 30, 2024

Our Travel Insurance Products

We offer a number of excellent products (two exclusive to TIO), which provide world-wide coverage, competitive rates, deluxe benefits, specialty coverage options. All policies include a minimum of $5 million coverage, per person, for medical emergencies at no extra cost .

Travellers Choice

Travel insurance made easy, our travel insurance plans, trip cancellation trip interruption, family plans, student plan, visitors to canada.

Speak to a Live Agent

Excellent Customer Service

Access to live agents:  No phone menus or buttons to press - you simply speak with a live agent!  

No administration fees or service charges: You will never pay extra for our services.  

Guaranteed same-day service:  All documentation is mailed the same day we get your application.  

Safe, secure, user-friendly website:  Get a quote, make a deposit/purchase, download documents, and more!

Why Choose TIO?

Best Refund Policy in Canada

'No Questions Asked' policy :  Cancel for  any  reason prior to travel and get a full refund.  

Full refund for any unused days: If you are claims-free, you will get a full refund for any unused days of coverage.  

No minimum refunds: There are no limitations on refunds, you get every penny back - even just one day!

Experts in Our Industry

Longevity : Over the past 30 years, we have insured hundreds of thousands of travelling Canadians.  

Experience : Our agents are licensed, meticulously trained, and have up to 30 years of experience helping travellers  

Choice : We offer a range of products including our two exclusive products, Travellers Choice & T.I.M.E  

Benefits : Our products offer deluxe coverage & benefits not found in some “snowbird” plans.

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Early Bird Plan Expires Aug. 31

Trusted by Canada's most experienced travellers

Medical Professionals for travel medical insurance

Deductible $99 $1,000 $5,000 $10,000

* The above rate categories are based on one’s medical condition, as determined by a series of medical questions on the application . Coverage is the same for all categories. ** For a more detailed quotation, please visit our detailed quote page, where you can enter additional information, such as your province, discount, etc. *** All quotations are subject to change without notice.

MEDIPAC TRAVEL INSURANCE

Early bird travel insurance is now available…, save up to 25%, new to medipac or this is your first time buying travel medical insurance.

Many Canadians are simply looking for travel insurance that provides “peace of mind” at the lowest cost. While these may be important things to consider, understand that your true goal when buying travel medical insurance is to ensure that you are properly covered and have a trusted company beside you with the necessary medical resources and expertise to help manage your medical emergency. A company that is both reliable and reputable, on a grand scale, and has a proven track record of excellence.

That company is Medipac.

*Medipac Travel Insurance is endorsed by the Canadian Snowbird Association and the Royal Canadian Legion .

Medipac provides comprehensive coverage, up to $5 million USD, including coverage for COVID-19. And, together with Medipac Assist, Medipac has the necessary medical resources to properly support our clients during a medical emergency while travelling.

Medipac Assist provides dedicated emergency assistance lines to travellers, staffed with in-house medical professionals who are there for you, from application to assistance.

In terms of the cost of travel insurance, Medipac rates often are lower than those of other plans, almost certainly in the long-run, when it’s more important. With our Early Bird, Claim-free, Loyalty and other discounts many clients save upwards of 25% , every year.

Now that you have made the right choice, be sure to visit our “ How to Save ” section. Most NEW clients can save up to 10% in their first year, with our Claim-free Advantage discount. You may need to call to qualify. (1-800-633-4722)

For your reference, and to help you make an informed choice, be sure to download the Medipac Travel Insurance Guide , which includes helpful tips and a complete copy of the Medipac Travel Insurance Policy.

WATCH VIDEO

Endorsed by the Canadian Snowbird Association and the Royal Canadian Legion.

Medical professionals for travel medical insurance. it only makes sense, medipac is not available through brokers. don’t be fooled..

STEPS TO PROPER TRAVEL COVERAGE

Travel Insurance Policy

• Download and read Travel Emergency Medical Insurance Policy.
• Pay particular attention to sections that discuss what is not covered: General Limitations, Exclusions, Pre-Existing Conditions, etc.
• Call us if you have any questions.

Medical Questions

• Download and read the Travel Medical Insurance Application .
• Review questions and answers with your doctor, if you are unsure.
• Determine your rate category: Preferred Plus, Preferred or Standard.

Travel Insurance Application

• What’s your discount?
• New to Medipac? You may qualify for savings. CALL US.
• Get Quick Quote .
• Apply online or request an application package .

An informed traveller makes a safe traveller. If you need help, CALL US!

If your health or medication changes before you leave, call us, have a pre-existing medical condition call us, not eligible, or have questions about the application call us.

TRAVEL INSURANCE COVERAGE OPTIONS

Annual Plan

Superannuates

MedipacPLUS

Underwritten Plan

• Increase coverage to $5 million USD, including coverage for COVID-19
• Protect your discounts in the event of a claim, plus 8 additional benefits.
• A must-have option for only $147.
• 23 or 33 day Annual Plans available.
• Apply only once for all your trips this year.
• Save time and money.
• Receive credit for your existing PSHCP plan.
• Ensure you’re covered from day one.
• 40-day annual plan included at no extra cost.
• Already have coverage, but with limited days?
• Top up your existing plan with Medipac.
• Some conditions apply.
• A good option for only $59!
• Includes 9 important benefits.
• Protect your Claim-Free Discount.
• Not eligible, have a Pre-Existing Condition or change in health?
• Our medical staff can review your file.
• Coverage may be available. CALL US 1-877-888-5259 .

HOW TO SAVE ON TRAVEL INSURANCE

Early Bird Travel Insurance - Save 5%

New to medipac you can save up to 5% more, loyalty credit – save up to 10%, claim-free discount – save up to 10%, provincial discounts, deductible options, annual plans, when to call, health or medication change before your effective date of insurance., have a pre-existing condition that is not stable., not eligible ask about our underwritten plan., if you want to change your departure or return date., require an extension to your policy when travelling, call before your policy expires., need to seek medical treatment, call medipac assist even if you have a larger deductible..

TRAVEL INSURANCE

Be insured for any medical emergency abroad.

Annual Multi-Trip

An annual coverage that covers an unlimited number of trips.

Trip Cancellation

Insure your trip against any event that would force you to cancel or interrupt it.

All-Inclusive

The most complete travel insurance. Includes medical, trip cancellation and interruption, and baggage coverage.

Seniors & Snowbirds

Insurance plans made specifically to meet the needs of senior travelers.

Sports Travel Insurance

Practice the sports you like while travelling. Contact, adventure, and extreme sports.

Visitors to Canada

An emergency medical insurance in the country for visitors.

All Our Travel Products

See our full range of travel insurance products.

WHAT IS TRAVEL INSURANCE?

It is a specific type of insurance that covers people while travelling in Canada or other countries. Coverage can include emergency medical care, trip cancellation and trip interruption, baggage loss and theft, and much more. In many cases, we think our governmental health care plan, credit card or retirement coverage protects us while we travel. Sadly, these services do not always provide any or enough coverage to compensate your loss in case something arises.

As a broker, we will compare several quotes to find the best fit for your needs.

F.A.Q. ON TRAVEL INSURANCE

Too many people leave on vacation thinking that nothing serious can happen. Sadly, that long-anticipated trip can suddenly not happen or turn into a nightmare. A divorce, job loss, serious illness, or even the death of a loved one could suddenly interrupt your trip. What would happen if your airline or cruise line went bankrupt? What would you do if your passport and wallet were stolen during your trip? What about cancelled flights, missed connections, lost luggage and acts of terrorism? And what if you suddenly get sick at your destination?

That is why it is important to purchase insurance that covers financial losses related to non-refundable expenses, such as prepaid purchases.

An accident or emergency can happen anywhere. If you need medical care in another country or in another Canadian province, your government health plan may pay only a portion of the costs. Travel medical insurance starts where these plans end. It provides coverage for unforeseen problems, from a cancelled flight to a serious illness, and even such rare cases as an act of terrorism or the bankruptcy of a supplier. If an illness, accident, or other insured unforeseen circumstances forces travellers to cancel or interrupt their plans, they face two major financial losses: the money invested in non-refundable prepayments and medical expenses that in many instances may not be covered by health plans.

We recommend that you carefully review the coverage provided by your credit card issuer, as well as any conditions or stipulations before you leave.

When you travel outside Canada, you leave up to 90% of your government coverage behind. Government plans also typically cover only a limited portion of medical costs once you leave your home province or territory, even if you are still in Canada. Many provincial health plans do not provide payment directly to foreign hospitals. They may have a deductible and/or not cover the cost of emergency medical transportation. Emergency assistance services offered by insurers are there to help direct you to the right hospital and make sure you receive the proper medical care.

Your government health coverage does not provide such extensive services 24 hours a day, nor does it provide upfront payment for emergency medical care. In addition, government plans do not guarantee coverage for special care such as air ambulance or emergency dental services.

We strongly recommend that you purchase coverage before departure. Although some of our insurers will cover you if you are already on your trip, they may exclude any pre-existing medical conditions, limit the amounts payable on your policy or impose a large deductible.

You can extend your coverage at any time if you prolong your trip.

Every insurance plan contains restrictions and exclusions. For more information, review the terms and conditions of the products that interest you. You can also contact SecuriGlobe for more detailed information. Feel free to mention any concern when you call us for your quote.

As a broker, we take the frustration out of buying insurance by comparing 14 leading insurers including Blue Cross, CUMIS, MedGuard, TuGo, Manulife, Royal and Sun Alliance, and MediGlobe. Since protection packages are compared side by side, you get the best price every time. Furthermore, there are no additional administration or hidden fees.

We knows that insurance can be intimidating, so in addition to our online quote engine, we also have representatives standing by to take your call, to answer your questions, make recommendations and even confirm your coverage.

TESTIMONIALS

"There are so many competing travel insurance "firms" looking for our business that we appreciate having you Better Travel Insurance looking into what is best for us with respect to OUR needs. Each and every time you have been able to refer us to the "best for us" with  respect to both price and service and that is appreciated. I would not hesitate in recommending your services for anyone looking into travel insurance."

- Roger and Margaret Ellis

"We were so lucky to find Stacey when we moved to Guelph as up to that point buying travel insurance had always seemed such a hit and miss process. For the first time we felt really comfortable that our travel medical insurance would actually give us the coverage we expected, needed and were paying for. Stacey always spends a lot of time going through the policies with us and our many questions are answered fully and with patience — something we as Seniors truly appreciated. In our household when advice on Travel Insurance is needed we simply hit speed dial and connect with Stacey."

- Jennifer and Michael Oldfield

"This is our first experience with SecuriGlobe – your customer service has been amazing. Thanks so much for the understanding – you've made a customer for life."

- Robert W., Alberta

"Just a short note to tell you how satisfied I am with your one of your agents work. He is highly competent, very kind, and remarkably efficient. My husband and I have been SecuriGlobe customers for many years and we are always happy and satisfied of his work."

- Lorraine L. et Gilles B., Sainte-Luce

"Again from the bottom of our hearts, we thank you and promise you that I will be sending more business your way, like I have already done. Sincerely, your grateful customer."

- Claudette & Bill

"We thank you for the outstanding service you provided concerning our recent travel insurance purchase. It is always nice to save a few dollars but the greatest satisfaction realized is that you continued with diligence until you were satisfied that our purchase price was the best you could arrange.

- Mr. & Mrs. Horne, Ontario

"From top to bottom, the staff at SecuriGlobe are amazing. They treated me with respect & gave me such great service. I would go with them for my next trip insurance for sure."

- Kesh Dheer

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Phone: 1­-855-­447­-1515

Email: [email protected]

Hours: Monday - Friday, 8:30 a.m. to 8:00 p.m. EST Saturday & Sunday - Closed

Mailing Address: 355 High Street, Port Stanley, ON N5L 0B3

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The country’s leading travel insurance broker

Canadians are choosing PolicyAdvisor to help them with all their travel insurance needs. Whether vacationing abroad or visiting Canada temporarily, our advisors can help you find the right coverage.

Travelling Canadians

Cover unexpected medical expenses when you travel abroad

Visitors to Canada

Comprehensive emergency medical coverage for a visit to Canada

Super Visa Insurance

Coverage that fits the requirements for those applying for a Canadian super visa

Cover your time away as you escape from Canada's winter

International Students

Coverage for international students attending school in Canada or Canadians studying abroad

Foreign Workers

Coverage for those working in Canada before they are eligible for provincial health plans

Recognized as a leader in the industry

What is travel insurance.

Travel insurance is a type of insurance that helps to cover the cost of medical care if you become sick or injured while travelling. It can also protect you from financial loss if you have to cancel or interrupt your trip.

There are two main types of travel insurance: travel medical insurance and trip cancellation/interruption insurance .

Travel medical insurance can help to cover the cost of medical care if you become sick or injured while travelling. It can also help to cover the cost of travel if you need to be transported to a hospital in another country. This is the most common type of travel insurance.

Trip cancellation/interruption insurance can help to reimburse you for the cost of your trip if you have to cancel due to an unforeseen circumstance, such as illness or bad weather, or other situations that may delay or cancel your trip (lost baggage, transportation delays, etc).

If you are planning a trip from your home in Canada, or planning on travelling to Canada, it is important to ensure you have travel insurance before you depart. This will help to protect you from unexpected costs if something goes wrong on your trip and give you peace of mind such accidents or delays will not be a financial burden.

Need insurance answers now?

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them.

Who needs travel insurance?

There is a wide array of insurance needs for both those visiting Canada, and travelling away from it. They include:

Inbound travellers

• Visiting Canada from another country
• Super visa applicants
• International students studying in Canada
• Foreign workers or work permit holders working in Canada
• Amateur athletes competing in Canada

Outbound travellers

• Snowbirds (seniors vacationing away from Canada for the winter)
• Canadians vacationing abroad

What are the different types of travel insurance available in Canada?

Depending on where you call home, and the reason and length of your travel, there are several different kinds of travel insurance available.

Residents of Canada need travel insurance for trips abroad. While you public healthcare or group health insurance covers medical emergencies at home, an accident or medical emergency while you are out of country can be very costly.

Those visiting Canada from outside the country also need travel medical insurance. While Canada does have a robust public healthcare system, these services do not extend to non-residents of the country. If you are ill or injured during your trip to Canada, you will be responsible for the costs of doctor's visits, emergency care, prescription, and more.

Super visa insurance

Parents and grandparents or Canadian citizens and permanent residents are eligible for a special Canadian visa called the super visa. This visa allows them to enjoy an extended stay in Canada for as long as 2 years. A mandatory stipulation of super visa approval is holding a medical insurance policy to cover and illnesses or accidents that can occur during this trip. Super visa insurance is a widely available insurance policy that caters to the specific needs and requirements for super visa eligibility.

Snowbirds are retired Canadians who spend the winter season abroad to avoid Canada’s colder months. As a snowbird, it’s important to make sure you have the right travel insurance in place before you head south for the winter, as you will not qualify for public health insurance at your destination.

International students often need emergency health insurance wherever they choose to complete their studies. This includes both Canadians studying abroad and students completing their education in Canada. Emergency travel medical insurance ensures one can focus on their studies knowing they won’t have to deal with an unforeseen medical bill.

Foreign workers visiting Canada for temporary or permanent employment will not have immediate access to public health care. Travel medical insurance will cover you if you get sick or injured while working in Canada.

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Who offers the best travel insurance in Canada?

At PolicyAdvisor, we partner with the country’s best travel insurance providers to present you with the most choice and best option for your insurance needs. Whether you are vacationing abroad, visiting Canada for an extended trip, or sponsoring a super visa application for a loved one, we’re here to help guide you to best provider.

Some of our partners include:

• Tugo (iA Financial Group)
• Group Medical Services (GMS)
• 21st Century Travel Insurance Limited
• Destination Canada

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Why should you buy travel insurance?

Whether for a vacation abroad or a visit to Canada, travel medical and health insurance is very important.

For Canadian travelling abroad

• Canadian public health care or your provincial health insurance plan may not cover medical expenses while you are outside Canada
• Your work or group benefits health plan may not cover, or only cover a portion, of the costs of your medical bills abroad
• Foreign medical facilities are generally expensive and often require immediate payment
• Some hospitals and clinics in foreign countries will refuse treatment if you do not have enough insurance coverage or funds to pay for your treatment

For those visiting Canada

• You are not covered under any of Canada's public healthcare plans
• Treatment for medical emergencies and prescriptions may require cash payments
• Your home country's public health care offering generally does not cover trips abroad
• Travel medical insurance can cover a broad range of potential situations, including emergency room visits, transportation back to your home country, and prescription drug and dental costs

Frequently asked questions

The cost of travel insurance is determined by many variable factors including the type of insurance you purchase, your age, the duration of the trip, and the amount of coverage you are getting. A rule of thumb is travel insurance should typically cost 5% of your trip. Of course, these costs can increase for extended stays like super visa insurance , insurance for snowbirds, and insurance for students or foreign workers.

While knowing there is a built-in insurance component to your credit card provides great peace of mind, it sometimes falls short of comprehensive travel coverage. Insurance from credit cards usually has a cap on the amount of coverage it provides and is not intended to cover you for medical emergencies that may occur on an extended trip. Moreover, credit card travel insurance is also limited in that its coverage typically only extends to those parts of your trip you paid for using that credit card.

An independently purchased travel insurance policy ensures you are covered for your entire trip and whatever may happen during its duration.

Most travel medical insurance policies do not cover a pre-existing medical condition by default.

In some cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 180 days prior to the effective date of the policy and have not had treatment for the condition during that time, it will not be considered a pre-existing condition during your coverage period.

As well, some conditions may get excluded from your travel medical insurance coverage during the underwriting process. A pre-existing condition exclusion could include a heart condition, kidney condition, form of dementia,

Lastly, some providers offer policies that will cover pre-existing conditions, though the premium will be higher to compensate for the added risk.

You can typically get a refund for a travel insurance policy as long as you cancel the coverage before the departure date of your trip.

Most travel insurance is not mandatory, though encouraged as foreign medical expenses can add up quickly. Without travel medical insurance you are personally responsible for any medical expenses you incur during your time away from your home country.

Some travel insurance policies are mandatory. For instance, super visa insurance is mandatory for super visa applicants to get approved for their policy, and an in-force policy is compulsory for the duration of your stay in Canada using the super visa.

No, a public healthcare plan from your province or territory does not cover medical emergencies that happen outside of Canada. Much like how Canada’s public healthcare does not cover those who do not reside in Canada, the healthcare in countries outside of Canada has no reciprocal agreement to treat travelers. Canadians are expected to pay out of pocket for any health or medical procedures they need when outside of Canada.

Thus, it is important to have an in-force travel medical insurance policy when travelling outside of Canada and your home province.

Yes, it is possible to get some coverage, though there will most likely be exclusions on your policy. Many providers in Canada or abroad will offer you emergency medical travel insurance if you have already left Canada but wish to purchase coverage.

However, the policy generally will not be active until 48 hours after you purchase the coverage. This waiting period is designed to prevent someone from acquiring a policy after they have been injured or hospitalized with an illness.

If you travel abroad often (more than twice per year) it may be worthwhile to purchase an annual travel policy. Many providers offer annual options for their travel medical insurance policies, which can save you money on premiums and eliminate the need to arrange separate insurance policies for each trip you take or each leg of a multi-trip journey. Many Canadians travel during winters to warmer climates ( snowbirds ), it is advisable to buy multi-trip / annual travel insurance for such needs. Speak with our advisors to see if an annual travel insurance policy makes sense for your plans.

Canadians Travelling

Feel at home, away from home.

We’re devoted to making sure you feel at home no matter where you are. Whether you’re travelling within Canada or abroad, enjoy the peace of mind that comes with knowing you’re fully covered if a medical emergency arises and you’ll get the personalized care you need, where and when you need it. Whatever your needs, we will have the right insurance for Canadians travelling.

Personal service. Comprehensive coverage.

There are many travel insurance products out there and finding the coverage that’s right for your specific needs can be tricky. Our expertise with navigating the complex world of travel insurance, along with the fact that we aren’t tied to selling you any one specific product, gives us the freedom to craft fully custom solutions to suit your story, needs and travel plans.

How It Works

It starts with a conversation..

Our friendly and knowledgeable insurance experts will take the time to get to know you and understand your unique health and travel circumstances. As brokers, we’re motivated to act in your best interests, not because of sales incentives.

We do the legwork.

We apply our knowledge of the market, our understanding of your needs and our relationships with Canada’s leading insurance providers to craft exclusive policies and rates that no one else can offer. Then, we present you with the best options and help you select the plan that fits you best.

We’re with you all the way.

We communicate in simple terms, so you can understand and be comfortable with your policy before you sign. Our industry-leading technology allows us to process your request quickly, and you can access your information any time through our straightforward and secure online portal. Rely on us to be here anytime you need us—before, during and after you purchase your travel health package.

Our biggest reward is hearing that our attention to superior, friendly service makes a difference to our customers.

TRAVEL INSURANCE

Whether you’re dreaming of a once-in-a-lifetime trip or travelling regularly, insurance is a critical part of trip planning and having peace of mind while you’re away.

SNOWBIRD INSURANCE

Escaping Canada’s winter months for warmer temperatures? We specialize in helping snowbirds secure the special coverage required for extended travel time.

STUDENT INSURANCE

Make sure both your routine and emergency medical costs are covered when you’re studying in another province or country.

EXPATRIATE INSURANCE

Whether you’re living or working outside Canada or returning home, expats have unique, specific insurance needs. We have the expertise and coverage to help.

SPECIALTY INSURANCE

Certain situations require unique insurance solutions due to the level of risk involved related to the region, your personal circumstances or the activities you plan to undertake.

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Do you love planning for that one trip per year that rejuvenates you for the rest of the year? Make sure you plan for your Travel Insurance as well. Remember age does not matter when it comes to Murphy’s Law.

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Do you cross the border more than once a year? Our Annual Plans allow you to buy coverage for 365 days and be covered for any trip you take up the specified plan duration. The savings can be substantial and the peace of mind is priceless.

Snowbird Insurance

Migrating south for the winter? Don’t get flocked in the with rest. We use multiple insurers to make sure you get the best price with coverage for pre-existing medical conditions. Insurance that protects – even when your feathers get ruffled.

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Think you can’t get insurance? Think again! We offer plans for every age. We understand that things can get complicated as you get older but that does not mean you should stay home. Enjoy life with the peace of mind we offer. Get a free personalized quote, tailored just for you!

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March 2020 will be etched in our minds forever! So many travel plans were disrupted. What will happen next? Nobody knows but what we know for certain is that the unexpected can happen at any time. Be prepared, be informed, get covered!

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Intending to visit Canada? Make sure you have Emergency Medical coverage. Getting sponsored by your children – we have SuperVisa coverage as well. Canada is the 2nd largest country on earth. We cover every inch!

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Coming to Canada to study as a Foreign Student? Did you get a scholarship to study in the US? Do you plan to study abroad? We have plans for International Students and Canadian Students. Accidents can happen at any age!

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By jason melnick, managing director, getawayinsured golden age insurance inc., get great rates on trip cancellation and interruption insurance, frequently asked questions, changes before travelling, do you have a claim, returning early, extending coverage or topping up, travel medical insurance is tax deductible, thank you for your referrals.