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Multi-Trip Travel Medical Insurance
A simple and affordable way for people who travel often, like business travelers or cross-border shoppers, to get health coverage for all their trips in a year.
What is multi-trip emergency travel medical insurance?
Emergency travel medical insurance is designed to cover unforeseen medical expenses while traveling abroad (i.e. outside your home province or territory).
Among various travel insurance options, emergency medical coverage is essential. It's advisable never to travel internationally without it.
Medical emergencies can arise unexpectedly when you're abroad, leading to significant medical expenses. Without travel insurance, these costs fall on you.
Medical treatments outside Canada can be considerably more costly than domestic care. Remember, your Government Health Care coverage is limited once you leave your province or country.
Multi-trip travel medical insurance is valid for an entire year (365 days) and will cover you for an *unlimited number of trips of a pre-determined duration (e.g. 15-day trips, 30-day trips, or 60-day trips).
Top-ups are available to extend your coverage should any one particular trip extend beyond the pre-determined duration.
*Note: Number of trips are 'unlimited' throughout a year, but require that you maintain your provincial/territorial government health care coverage.
Cover Medical Costs
Ensures financial protection against unexpected medical expenses during travel.
Repatriation Assistance
Provides support for emergency medical transportation back to your home country for treatment.
Around-the-Clock Support
24/7 access to assistance services, ensuring help is always a phone call away.
How does emergency travel medical insurance work?
Pre-Trip Purchase: Secure your emergency travel medical insurance before you embark on your journey. Choose a plan that covers the entire duration of your trip and includes all family members traveling with you. This proactive step ensures that you are covered from the moment you leave until your return.
Immediate Assistance in Emergencies: Should a medical emergency arise while you are traveling, immediately contact the 24/7 toll-free support line provided by your insurer.
Guidance to Appropriate Care: Upon contacting the support line, you'll be connected with a professional who will guide you to the nearest or most suitable medical facility, ensuring that you receive the right care promptly.
- Coverage of Expenses: The insurance covers the costs of medical treatments including hospital stays, medical procedures, and often prescription medications and emergency dental care, depending on your policy's terms.
- Ongoing Support and Monitoring: Beyond just covering costs, the insurance provider's support team often monitors your treatment and recovery process, ensuring that you receive appropriate care. They may also coordinate with medical professionals on your behalf, keeping your family informed about your situation and will work to bring you home at the earliest opportunity that it is safe to do so.
Get help with your travel insurance planning.
Speak with a professional advisor who can help.
How much does emergency travel medical insurance cost?
There are a number of factors that can affect plan pricing, including:
Age
Insurance costs generally increase with age.
Trip duration
Travel medical coverage cost is based on a daily rate.
Health history
Cost can be affected by health history.
Destination
Cost can vary based on your destination. It is always less for travel within Canada.
What is included in my government benefits?
Each province and territory has their own respective health care plans. For this reason, benefits will vary from one province/territory to the next. It is worth checking what is covered under your plan prior to travelling.
Travel outside Canada
Each province and territory has their own respective health care plans. For this reason, benefits will vary from one province/territory to the next. It is worth checking what is covered under your plan prior to travelling.
Travel inside Canada
Provinces and Territories (except Quebec) have an Interprovincial Billing Agreement in which the host province covers medically necessary services and the home province subsequently is billed for reimbursement. Services such as ambulance (air/ground), hospital transfers, or transportation back to your home province are not covered by your government plan.
Other types of travel insurance
Explore Your Coverage Options.
Visitors to Canada
Coverage for emergency medical costs when your friends or family visit Canada from abroad, or to satisfy Super Visa requirements.
Student Travel Insurance
Coverage for emergency medical expenses & checkups when studying away from home.
Trip Cancellation & Interruption
Reimburses non-refundable travel costs if travel plans are cancelled before departure or interrupted after departure.
Get in touch
Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.
Frequently asked questions
Answers to key questions about Multi-Trip Emergency Travel Medical Insurance.
A pre-existing condition generally refers to a medical issue that existed before your travel insurance coverage began. Each insurer defines this term in its own way within the policy wording. Reviewing the definition in your policy helps you understand how your medical history may affect coverage.
Coverage for pre-existing conditions depends on the policy and how it defines eligibility and medical history requirements. Some plans may provide coverage under certain conditions, while others may limit or exclude it. It is important to review your policy wording and discuss your situation with an advisor before travelling.
Emergency travel medical insurance policies include exclusions and limitations that describe situations where coverage may not apply. These vary by insurer and plan design. Carefully reviewing your policy wording helps you understand how your coverage works before you travel.
Some travel insurance policies allow coverage to be extended, subject to the insurer’s rules and approval process. Availability and terms can vary depending on the policy and your circumstances. If you think you may need more time away, it’s best to explore your options before your current coverage ends.
A stability period refers to a timeframe before a trip during which an existing medical condition must not have changed in a way defined by the policy. Insurers use this concept to determine how coverage applies to pre-existing conditions. The specific definition and requirements differ between policies.
Still have questions?
Please contact our office and we'll be happy to address any questions you may have.
