Travel insurance
Please enter the details of your trip to determine which travel plan is right for you.
More than six travellers? Call us for a quote!
More than six travellers? Call us for your quote at 306-753-2350.
Need help? Call us for a quote!
Need help? Call us for your quote at 306-753-2350.
Please enter the name of the country corresponding to your trip destination.
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 coverages 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 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 selected product includes Accidental Death or Dismemberment coverage, other limitations and reductions of coverage and other exclusions apply. It includes, among other things, exclusions relating to terrorism and to the participation in a criminal or illegal act.
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 coverages 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 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 selected product includes Accidental Death or Dismemberment coverage, other limitations and reductions of coverage and other exclusions apply. It includes, among other things, exclusions relating to terrorism and to the participation in a criminal or illegal act.
