The medical questionnaire contains questions that you must answer correctly at the time you apply. Your medical condition at the time you complete the medical questionnaire determines your plan eligibility, the terms of coverage and the premiums that apply to you. Your completed medical questionnaire forms part of your insurance contract.
Yes, if condition(s) has been stable for 90 days before the effective date of the coverage
Dependent on the TravelCare category for which you are eligible (Click here for details.)
Yes, if condition(s) has been stable for 90 days before the effective date of the coverage
Yes, if condition(s) has been stable for 90 days before the effective date of the coverage
Any pre-existing condition(s) must be stable for a specific period of time before the effective date of your policy in order to be covered in the event of a claim.
For insurance purposes, stable is defined as any medical condition or related condition (including any heart or lung condition) for which there have been:
no new treatment, new medical management, or new prescribed medication; and
no change in treatment, change in medical management, or change in medication; and
no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
no new test results or test results showing a deterioration; and
no investigations or future investigations initiated, or recommended for your symptoms; and
no hospitalization or referral to a specialist (made or recommended).
Your package covers you for travel to the destinations listed above. For example, if you are travelling to the United States, you would not purchase the Travel Within Canada package.
Strongly recommended at time of initial trip deposit
Strongly recommended at time of initial trip deposit
Strongly recommended at time of initial trip deposit
Strongly recommended at time of initial trip deposit
Since all of these packages include Cancellation and Interruption insurance, it is strongly recommended that you purchase travel insurance at the same time you make an initial deposit on your trip. This is because any delay in issuing your insurance policy may have consequences for associated claims.
You can purchase coverage for a single trip up to the number of days specified above. If you travel more than twice a year, you may want to consider the Multi-Trip Annual Package Coverage option instead, if applicable.
Do you travel more than twice a year? Our Multi-Trip Annual Package Coverage option can make travelling more cost-efficient since you are covered for any trips you take (each up to the chosen duration) within a 365-day period.
The medical questionnaire contains questions that you must answer correctly at the time you apply. Your medical condition at the time you complete the medical questionnaire determines your plan eligibility, the terms of coverage and the premiums that apply to you. Your completed medical questionnaire forms part of your insurance contract.
9, 16 or 30 consecutive days
(30-day option available to persons under 80 years of age only)
N/A
N/A
With a Multi-Trip Annual Plan, you can choose the trip duration option that meets your needs. Each covers an unlimited number of trips within a 365-day period and each individual trip may be up to the number of consecutive days you chose. You can also "top-up" coverage for an individual trip if it will be longer than the maximum duration you selected. (When you "top-up" your coverage, you add to your insurance beyond the duration originally covered.)
This coverage protects you from the costs that arise when a sickness, an injury or another unexpected covered risk causes you to cancel your trip or disrupt your travel plans.
Before Departure insurance covers the non-refundable portion of your prepaid travel arrangements, due to the cancellation penalties that may be charged by the transportation carrier or tour operator.
After Departure insurance covers the costs you incur if you have to return home early or if your return home is delayed, and the non-refundable portion of unused prepaid travel arrangements.
The Subsistence Allowance benefit reimburses you for expenses (up to the benefit amount as stated above) incurred as a result of a covered risk. Expenses can include your commercial accommodations and meals, essential telephone calls, and taxi fares, up to the specified maximum.
Upon request, you can receive compensation in the form of a coupon for up to $750 in value when you incur certain risks after departure. This coupon is usable toward travel in the 180 days following your early return from your interrupted insured trip. Certain conditions apply. Refer to the policy for more details.
Emergency Medical insurance pays for expenses related to a covered emergency medical condition that arises while you are on your trip. Benefits may include coverage for a hospital stay; transportation by a ground or air ambulance; the return to your departure point; emergency dental treatment; a companion's travel to your bedside; the return of a vehicle, your children, your travelling companion, your dog or cat, and your excess baggage if you are returned by air ambulance; and more.
If you have a medical emergency while on your trip, one toll-free phone call puts you in touch with a multilingual coordinator who can help you—24 hours a day, seven days a week. Our multilingual professionals will coordinate on your behalf with a local doctor or nurse to arrange the care you need.
The Subsistence Allowance benefit reimburses you up to the benefit amount as stated above for commercial accommodations and meals, essential telephone calls and taxi fares if, upon a physician's advice, you or your travelling companion are relocated or delayed beyond your return date to receive medical treatment for an emergency medical condition covered under this insurance.
This coverage provides protection up to the benefit amount as stated above from the loss of, or damage to, the baggage and personal effects that you own and use during your trip, including your passport, driver's license, birth certificate or travel visa. Refer to the policy for further details.
This coverage reimburses you up to the benefit amount as stated above for necessary toiletries and clothing if your baggage is delayed. Refer to the policy for further details.
Flight Accident insurance covers you up to the benefit amount as stated above for death, double dismemberment, loss of sight in both eyes or complete and irrecoverable loss of speech or hearing, while on airport premises, travelling on scheduled helicopter shuttles, and in airport buses and limousines that have been authorized by the carrier or airport authority, as well as during the scheduled flight.
Travel Accident insurance covers you up to the benefit amount as stated above for death, double dismemberment, loss of sight in both eyes or complete and irrecoverable loss of speech or hearing, while on a covered trip.
If you are over the age of 74, we urge you to complete a medical questionnaire in order to obtain the most comprehensive coverage possible. Should you be under 84 and choose not to complete the medical questionnaire, you would be travelling without any coverage for your pre-existing condition(s). If you are over the age of 84, you must complete a medical questionnaire in order to obtain coverage.
If travelling within your province or territory of residence, your trip must be more than 500 kilometres by car or 100 kilometres by air, train or bus, from your home.
Under the Multi-Trip Annual Package Coverage option, all MAXIMUM SUMS PAYABLE and PRINCIPAL SUMS are per trip.
Under the Multi-Trip Annual Package Coverage option, the Before Departure sum insured is $1,500 per trip to a maximum amount payable of $10,000 per year.
This insurance is subject to a maximum of $20,000 if you do not have valid government health insurance plan coverage.
The maximum for any one item or set of items is $500.
You are entitled to a maximum of the largest amount specified for one of these benefits: death, double dismemberment, loss of sight in both eyes, or complete and irrevocable loss of speech or hearing.
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General Information
General Information