Best Travel Medical Insurance in Canada

Affordable Vacation and Travel Medical Insurance

We know the Travel  Medical Insurance market inside out. We would welcome a conversation to help you get the best medical travel insurance policy based on your health and travel plans.

Why take a chance and do it by yourself electronically or with a travel agency sales person when you can speak with a licensed travel insurance agent with no added costs. In fact, it may even cost less as you can take advantage of our years of experience in the travel insurance business. We can help you with:

  • Travel Medical Insurance
  • Snowbird Travel Insurance
  • Visitors to Canada Travel Insurance
  • Super Visa Travel Insurance

Have Your Family Vacation Worry-free

When traveling outside your home province, unforeseen emergencies can happen. Travel medical insurance is there to offer you and your family the peace of mind to know you will be looked after.

Probably everyone has crossed the border or traveled outside of their province occasionally without short-term travel insurance. However, if you got into an accident or became ill outside of your home province, your provincial health care may not cover all your medical bills. Every province has different costs for hospital care, medical coverage. It is provincially managed not federally, so you need this coverage if you are traveling within Canada between provinces. Without travel insurance, you may end up paying thousands of dollars in medical expenses out of pocket.

Fortunately, travel coverage is a bargain. A $1,000,000 policy for a healthy individual only costs a few dollars a day.

Aside from helping you with the medical bills, travel medical insurance can also help you with the cost of medical evacuation, which can be very costly as well.

Tourists who enjoy extreme sports might also consider getting high-risk activities covered in the contract. These activities are not automatically added to the contract.

We are dedicated to finding you the best travel policy for your needs. Whether you are a frequent flyer looking for an annual travel policy, or an excited traveler going on your first vacation in years, or are looking for affordable snowbird travel insurance – we have the right plan for you.

We check the rates with several insurance companies, taking into account your requirements, saving you time and money while providing you with the best rates possible.

Best Travel Medical Insurance Buying Tips

Confirm your travel medical insurance is sufficient. First, is it a comprehensive insurance product that will also cover emergency travel back home?

  • Is there an emergency 24/7 phone number?
  • Do you pay up front or does the carrier make the appropriate arrangements?
  • What is the insurance company’s policy on preexisting and stable conditions?
  • What is the deductible? Having a higher deductible will lower your rates. Some companies offer a choice of deductibles and some companies have an option of completely eliminating the deductible.
  • What are the policy’s coverage limits?
  • Does the provider company arrange and pay for the return of your vehicle and pet?
  • Does the policy allow for a companion to stay with you if you are hospitalized or unable to return home immediately?
  • Purchase your policy several days before your leave in case “technical difficulties” prevent the policy from being issued smoothly.
  • Follow your doctor’s advice. If there is a claim, the insurance company will want to know whether you followed your doctor’s advice.
  • If your travel dates change make sure you tell your broker so that the policy can be changed.
  • Purchase your policy before your birth date.
  • While travelling, keep your policy number and your insurance carrier’s claim phone number close to you in a safe place-like a wallet-so that it is available should you need it.
  • Should a claim happen, contact your insurance company immediately. Do not delay.
  • Let an experienced, professional broker help you shop around and ask your broker questions prior to purchasing your policy.
  • Most policies do not cover preexisting illnesses or conditions, only emergencies.
  • While vacationing, keep the telephone number and policy number of your insurer available at all times.

The Right Travel Medical Insurance Makes Sense

Quick money saving tip – Review your group insurance or employee benefits plan to see if it includes travel medical insurance, how much coverage?, how long of a trip?, are there any exclusions? Some may include coverage of up to $5,000,000. However, most other supplementary health plans, travel insurance is an optional add-on. Check your supplementary health plan to see if you need to purchase additional travel insurance.

Provincial medicare plans, other travel policies like credit cards and employee benefit plans may not adequately provide the coverage to handle travel emergencies. These plans make you pay up front and then submit claims or take far too long to approve your recommended treatment when the emergency occurs.

The following are real-life scenarios¹ provided by one of our travel insurance partners to help illustrate the importance of having the right travel insurance coverage, not just any, or worst yet, the cheapest policy that isn’t right for you.

A 50-year old woman on a cruise ship in the Caribbean had a medical emergency and collapsed. The ship board doctor recommended that she be taken to a hospital at the next port of call. It cost $50,000 for the hospital, emergency air ambulance home, and emergency air transportation for her family. Would your emergency accident and sickness travel insurance cover these costs?

The travel insurance company paid her medical costs and in addition, they were reimbursed $10,000 for the lost portion of the prepaid cruise. However there is more; the policy also covered a translator to work with the hospital’s physician and the family doctor to develop the best plan for treatment, provided an air ambulance to bring her home, provided transportation for the family and even ensured there was a hospital bed waiting for her return. Finally, their travel insurance company arranged to pay all the medical bills directly to the suppliers and therefore their out of pocket costs were minimal.

This scenario applies to all-inclusive or prepaid vacation packages including popular destinations such as Mexico, Europe, Disneyland, cruise vacations. A family purchased a $12,000 tour package that included return flights to Orlando, hotel accommodation and theme resort day passes to Disney. The father was involved in a car accident two days before the trip and was hospitalized. The vacation package offered no refund as it happened within two days of departure. The trip cancellation option refunded the entire amount including the day passes.

Newlyweds in Montreal purchase an Alaskan Cruise including air fare to Vancouver, but bad weather caused their flight to be delayed and they missed their departure. They made one call and their trip interruption insurance made arrangements for the interim hotel, the catching up with the cruise. Also return flights home are covered by this type of policy including the value of any lost days on the cruise.

When we vacation we use funny belts to keep documents safe and together. Unfortunately, “things” can happen. A senior traveling in Spain lost her passport and travel tickets. One call to her travel insurance company looked after getting everything replaced. Can you imagine what it would be like in a foreign country not speaking the language to get new tickets and documents? Besides being extremely stressful, it would also be costly.

Useful tip is before you leave for vacation, take a photocopy of both sides of your credit cards and other ID, and tuck away in your luggage or room safe. This way if your wallet is lost or stolen, you have the phone numbers from the cards to call for replacement, and of course the card numbers.

¹Although the above scenarios offer some tips on how particular policies helped travelers, please confirm the wording of your policy and ensure that you understand your coverage and exclusions.

We Do Travel Medical Insurance Shopping For You

We are dedicated to finding you the best travel medical policy for your needs. Whether you are a frequent flyer looking for an annual travel policy, or an excited traveler going on your first vacation in years, or are looking for affordable snowbird travel insurance – we have the right plan for you.

We check and compare the rates with several insurance companies, taking into account your requirements, saving you time and money while providing you with the best rates possible.

Get Travel Insurance Quotes
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