Travel Insurance for Canadians

Planning to travel out of province? Don’t forget to protect yourself and your belongings with a travel insurance policy! With a great choice of comprehensive coverage options, you will find the insurance you need and have a peace of mind during your trip!
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Plan: Medical Emergency
Plan type: Single Trip
Where are you going to travel?: Worldwide
Travelling through USA ? : No
Period: 2020-12-07 - 2020-12-17
Days: 1
INTERACTIVE ADVISOR
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Are you travelling through USA ? :

Travel Insurance for Canadians:
Planning to go on vacation, but not sure how you can protect your money against the cost of immediate medical assistance you may need?

Don’t worry, you can purchase Travel Insurance for Canadians, if you are taking a trip outside your province of residence.

What is Travel Insurance for Canadians?

Travel Insurance for Canadians is designed to provide medical and optional non-medical emergency coverage to Canadian Citizens, Permanent and Temporary Residents, who are travelling abroad or to other provinces across Canada.

Canadian Travel Insurance will take care of the cost of immediate medical attention you may require during your trip since your government health insurance plan will not be as useful outside your province of residence, in case you have an urgent health issue.

What are Travel Insurance Requirements?

As you already know, Canadian Residents are insured under their Provincial Healthcare Plans, however, they only cover a small portion of medical expenses incurred outside Canada. Your government insurance coverage may also be limited while travelling to another province, and even the slightest injury or illness can deal a significant blow to your budget.

If you are planning on going out of your province or abroad, travel health insurance for Canadians will provide you with a simple and affordable way to protect yourself from the costs of medical emergencies that may happen during the trip.

In order to be eligible for Travel Insurance, you MUST:

– Be a Canadian Resident
– Be currently enrolled in a provincial health insurance plan
– Meet other specific conditions set by a particular Canadian Insurance company

 
 

travel underwriters

Travel Underwriters

manulife

Manulife

gms

GMS

Allianz Global Assistance

Allianz

How to Calculate Travel Insurance
Cost and Apply?
Buying travel insurance has never been more straightforward! Just follow these 4 steps to purchase online and receive your insurance policy by email right away!
It only takes 5 minutes to buy insurance so you can carry on with your trip with confidence!
Get a Quote
In order to get your Canadian travel insurance coverage, all you need is to calculate your personal quote using our free tool above, fill out a short application form and pay with a credit card.

Once the payment is processed, you will receive your travel insurance by email in no time.

Select a Plan
Choose a suitable type of coverage from the list of options provided and click on Buy Now button on the right-hand side.

Once you are re-directed to the chosen insurance company’s web-portal, you can start filling out your application form.

Complete Application
Take a look at the Travel health insurance rates available from the select provider for the type of coverage you’d like to get before you proceed with application.

When you select the type of coverage as well as optional addon-ons, you can proceed to fill out the application form with some basic personal information.

Purchase Policy
The final step is online payment. All that is left is to complete the purchase at this stage is to use your credit card. Please note that applicable taxes and/or surcharges will be visible before your enter your card details.

Once your provide your payment information and proceed to finalize, your travel insurance policy confirmation will be emailed to you right away!

What does Travel Insurance cover?
Once you decide to get a Travel Insurance plan to protect your finances while you are on a trip, it is the perfect time to start learning about the coverage benefits that the Canadian travel insurance providers have to offer.

For a detailed coverage description please read the Policy Wording for the insurance plan you select.
Summary of Travel Insurance Benefits:

– Medical Emergency Treatment
– Services of a Physician
– Hospital Confinement
– Ambulance Transportation
– Prescription Drugs
– Dental Repair / Dental Pain Relief
– Accidental Death & Dismemberment
– Evacuation / Repatriation
– Bedside Companion / Family Member Transportation
– Paramedical Services of Chiropractor, Osteopath, etc.

Special Features

Some of the Medical Emergency Travel Insurance plans have unique benefits that are not available with any other insurance policy. Please contact our Insurance Advisors to learn more about these plans.

This includes special features such as:

– Identity Fraud Recovery
– Pet Return
– Trip Break Benefit (Return home without terminating your coverage)
– Return and Escort of Children / Child Care
– Eyeglasses Replacement
– Return of Baggage and Personal Belongings

For a detailed coverage description please read the Policy Wording for your chosen insurance plan, which can be downloaded using the button in our Travel Insurance Calculator.

Travel Insurance for Canadians: Non-Medical Coverage

As we have already mentioned, Health Insurance for Travelling Canadians or, as it is commonly known, Travel health Insurance can be upgraded with a Non-medical emergency coverage raider, which is offered by some of the Canadian insurance companies we work with.

You may also purchase non-medical travel emergency insurance without health coverage, if you think that you do not need additional protection for your finances.

Here is the summary of optional non-medical emergency benefits:

– All Inclusive Travel Packages: Worldwide /USA/Canada
– Trip Cancellation & Trip interruption
– Enhanced Accidental Death & Dismemberment
– Damage/ Loss / Delay of Baggage
– Cruise Travel Packages
– Protection of a Rental Vehicle
– Documents Replacement
– Flight or Travel Accidents

Important Notice: Not all of the Canadian insurance providers offer additional non-medical coverage. Please contact our insurance advisors if you are not sure which travel insurance plan is right for you.

Frequently Asked Questions
Still not sure what to do? Here is a list of our FAQ’s. To view the answer just click on the appropriate question box!

 

Q: Is travel insurance required for all out-of-province trips?
A: While travel insurance coverage is optional in most cases, it is highly recommended to purchase a suitable policy to take care of both medical and non-medical emergencies that may happen while you are away from your province of residence.

More specifically, your provincial insurance coverage will not cover the majority of possible costs associated with emergency health care while you are out of province. Hence, you will be responsible for payment in case you require immediate medical help.

In addition, please note that you may be specifically required to provide a proof of coverage when you apply for a certain type of visa when you travel outside of Canada.

Q: What are the types of travel insurance polices?
A: Mainly, there are 3 types of coverage readily available to Canadian residents who decide to travel out of province: Medical Emergency, Trip Cancellation & Interruption and Personal Effects coverage.

Also, you can purchase a bundled policy that includes 2 out of 3 types of coverage or even an All-Inclusive Plan to give yourself a greater peace of mind.

Q: What is the difference between Single-Trip and Annual Plan travel insurance?
A: Single-Trip plan provides continuous coverage during 1 trip (for up to 1 year), while Annual Plan would cover you for an unlimited number of trips within a year but each of your covered trips will be limited to a certain number of covered days.

Most commonly, Annual Plan covers 5, 10, 15, 30 and 60 days per trip. Please note that the number of covered days will vary depending on the insurance provider. You can contact our Insurance Advisors for more information.

Q: I have travel insurance with my credit card. Do I need another policy?
A: Travel insurance coverage provided with your credit card may not cover all possible expenses that are considered claim-eligible under a specialized travel insurance policy.

Specifically, credit card insurance on average provides lower benefit limits as well as a restricts the duration of your covered travel time to a certain number of days.

The best way to determine whether your credit card insurance is comprehensive enough to provide sufficient coverage during your trip is to thoroughly review it with your insurance provider.

Q: Can I cancel a policy if my travel plans change?
A: Yes, you can have your policy cancelled in case you are not going on a planned trip anymore.

Please note that refund policies would be a little different depending on the insurance provider. In most cases, you can only cancel your policy prior to the Effective date of your insurance or prior to departure from Canada to begin your trip.

Q: Do I still need travel insurance if I travel to another province or territory in Canada?
A: It is highly recommended to purchase a travel insurance policy when you take a trip outside of your province of residence even if your destination is still in Canada.

Provincial insurance plan will not cover all of the costs associated with medically required services while you are away. That is why, you should get a proper travel insurance policy to cover possible medical emergency expenses where your provincial coverage will not suffice.

 
If you didn’t find what you were looking for, please use our General FAQ for more information, or speak with our advisors and we will be happy to assist you!

Get a Quote and Compare Travel Insurance Policies
Testimonials
I visited this website because I found out that travel insurance with my credit card didn’t provide enough to cover my trip. I was fortunate to speak to a few people here at Arbetov who helped me compare different plan options and find a suitable package to take care of possible emergencies while I’m travelling. So, if you are not sure what sort of insurance to choose, I am now confident that people at arbetov insurance are the ones to help!
William T.
VERIFIED CLIENT
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