Travel insurance
Please enter the details of your trip and find out what travel plan suits your needs best.
More than 6 travellers? Call us for a quote!
More than 6 travellers? Call us for a quote at 416-455-0155.
Please enter the name of the country corresponding to your trip destination. If you are a visitor to Canada, please select “Canada”.
If you are visiting more than one country, enter the one you will be spending the most time.
For a multi-trip coverage, select “Cruise or various countries” or “Other”.
1- Eligibility
Each person to be insured confirms that he/she meets the following criteria:
- You are a Canadian resident.
- You purchase the policy before your departure and the coverage duration is equal to your travel duration, including departure and return date.
- You depart from your province of residence and return to it at the end of the trip.
- Your provincial health insurance card is valid and will be valid for the entire duration of your trip.
In addition, to be eligible, none of the persons to be insured who are 55 years old and over should:
- Have received medical advice not to travel.
- Suffer from a medical condition in a terminal stage.
- Suffer from kidney failure treated with dialysis.
- Have been diagnosed with or treated for metastatic cancer in the past 5 years.
- Have been prescribed or treated with home oxygen in the past 12 months.
For a pre-existing medical condition to be considered stable, it must meet all the following criteria:
1. No new medical diagnosis has been made
2. No new symptoms appeared and there was no worsening or increase in the frequency of existing symptoms
3. No hospitalization has taken place
4. No new medication was prescribed or recommended
5. No change of dosage1 was made to a medication already prescribed or recommended (dose increased or decreased, or consumption stopped)
6. No new treatment or medical test is pending or has been prescribed, ongoing or recommended
7. No ongoing treatment has been changed or discontinued
8. No prescribed or recommended treatment, nor medical advice has been ignored
9. Not have required the use of nitroglycerin more than once in a 7-day period for the relief of chest pains related to a heart condition
10. Not have required home oxygen treatments or corticosteroid therapy related to a pulmonary condition
1 The insurer does not consider the following elements as a change of dosage of existing medication:
- Routine insulin or Coumadin® adjustment
- Replacement of a medication by an equivalent generic brand if its dosage remains unchanged
- Decrease in dosage of cholesterol medication
- Change to hormone replacement therapy treatment
- Change in consumption of non-prescribed medication such as: Aspirin®, vitamins, minerals, etc.
- Use of cream or ointment prescribed for skin irritation
Details concerning the Annual product
If you purchase the Annual product, you must understand that exclusions relating to pre-existing medical conditions apply to each new trip.
Therefore, the effective date of the various coverage is considered at the time of each new departure and/or at the time of the first prepayment made to secure the availability of a new trip.
3- All coverages - Limitations and reductions of coverage and other exclusions
It is important to understand that the travel insurance contract contains limitations and reductions of coverage and other exclusions that are specific to each coverage you purchase. These restrictions are detailed in the travel insurance policy, a document you must read before the effective date of your contract.
For example, if the purchased product includes the Emergency Medical Care or the Trip Cancellation or Interruption coverage, in addition to the exclusions related to pre-existing medical conditions, other exclusions apply, for instance high-risk sports, activities, or behaviours, excessive use of alcohol, drugs, or other intoxicating substances, war or armed conflict. Moreover, only care or treatments that are covered by your government health and hospitalization plan are covered by this travel insurance. For example, treatment provided for esthetic purposes is excluded.
If the purchased product includes the Trip Cancellation or Interruption coverage, limitations and reductions of coverage as well as other exclusions related to this coverage will apply. Therefore, under this coverage, the reason leading to a claim must be serious enough and justify that the trip be cancelled, changed or interrupted. Also, the reason must not be known at the time of purchase of the insurance, nor appear under this coverage's exclusions, limitations and reductions of coverage.
If the selected product includes the Baggage or Accidental Death or Dismemberment coverage, other limitations and reductions of coverage and other exclusions apply. For example, the maximum refundable amount is $300 per item for the Baggage coverage. As for the Accidental Death or Dismemberment coverage, it includes, among other things, exclusions relating to terrorism and to the participation in a criminal or illegal act.
To be eligible for insurance, none of the insureds must:
* The insurer does not consider a change in existing medication the following elements:
- The routine adjustment of insulin or Coumadin®.
- A change from a brand name medication to a generic brand medication, provided the dosage is the same.
- Aspirin® taken for non-prescribed medical purposes.
- Decrease of the dosage of cholesterol medication.
- Hormone replacement therapy.
- Vitamins and minerals and non-prescription medication.
- Creams or ointments prescribed for cutaneous irritations.
4- Other exclusions and reductions of coverage
It is important to understand that the Visitors to Canada insurance contract contains exclusions and reductions of coverage. All the exclusions and reductions of coverage are detailed in the insurance policy. You must read them before the effective date.
For example, exclusions related to pre-existing conditions apply according to your age as mentioned in the above section. Other exclusions apply such as costs incurred for pregnancy, delivery and complications arising therefrom, hazardous sports or sports for remuneration, the abuse of medications, alcohol or drugs, wars or armed conflict. In addition, this product does not cover non-urgent care, such as regular check-ups with a physician, precription refills or follow-up visits for a chronic or stabilized condition.
5. Secondary trips outside Canada
The insurance coverage applies when you make secondary trips outside Canada, as long as you meet the following criteria:
