Multi-trip travel medical insurance
Annual emergency medical coverage for every trip you take, each up to a length you choose.
- Unlimited trips for a year
- each up to the length you choose
- Trips within Canada too
- the clock starts when you leave your home province
- Top up a longer trip
- add days before your trip length runs out
Multi-trip travel medical insurance
Every trip starts a new clock.
An annual plan covers unlimited trips for a year. Each trip is covered up to the length you choose, counted from the day you leave your home province until the day you return.
Trip 1, 6 days: fully covered. Trip 2, 15 days: fully covered. Trip 3, 22 days: 15 days covered, then 7 top-up days.
The clock resets for every trip. It starts when you leave your home province and stops when you return, even for trips within Canada. Trips are unlimited for the year.
How to choose
Pick a length that covers most of your trips. Top up the occasional trip that runs exceptionally long.
Topping up
Add days while you’re away, as long as you do it before your trip length runs out.
Illustration only. Trip length options and top-up rules vary by insurer and plan. You must keep your provincial health plan for an annual plan to cover your trips.
Before every trip
Stability is checked each time you leave
On an annual plan, the stability period counts back from each departure, not from the day you bought the plan. If a condition changes during the year, check with us before your next trip.
Ways to buy it
Medical only, or a comprehensive plan
Comprehensive annual plans add trip cancellation and interruption, baggage and travel accident coverage to the emergency medical coverage.
Is it right for you?
When an annual plan makes sense.
An annual plan fits some travellers better than buying a plan for each trip. These are the most common reasons to choose one.
Several trips a year
If you travel more than once or twice, one annual plan usually costs less than buying a plan for each trip.
Trips you don’t plan far ahead
Business trips or a weekend across the border: your coverage is already in place, with nothing to buy each time.
Trips within Canada
Your provincial plan doesn’t pay for ambulance or transport home, and an annual plan covers trips in Canada too.
If something happens
The same help, whichever plan you choose.
Single trip and annual plans cover the same emergencies, and work the same way when you need them.
Call the assistance line first
In an emergency, call the number on your policy before you get treatment, or as soon as you can. If you don’t, many plans pay less. The assistance team directs you to care and often pays the hospital directly.
Cost
What affects the price.
Age
Rates rise with age.
Trip length you choose
A longer maximum trip length costs more.
Health
Your answers to any medical questions.
Deductible
A higher deductible lowers the price, and a lower one raises it.
Who’s covered
You alone, or a family plan.
Where you travel
Some insurers charge less for a plan that excludes travel to the US.
Frequently asked questions
All questionsShould I buy a single trip or an annual plan?
If you take one or two trips a year, a single trip plan usually costs less. If you travel more often, an annual plan can cost less overall, as long as each trip fits within its maximum trip length. For a trip longer than that, a single trip plan is usually the better fit. We can look at your travel for the year and suggest which makes sense.
What if a trip runs longer than my annual travel plan’s trip length?
Buy top-up days for that trip before your trip length runs out, and the rest of the trip is covered. If you wait until after it runs out, a top-up may not be available, or a waiting period may apply. Your other trips that year aren’t affected.
Do trips within Canada count toward my trip length on an annual travel plan?
Yes. The clock starts when you leave your home province, so a trip to another province counts the same way as a trip abroad. Your provincial plan covers most hospital and doctor care elsewhere in Canada, but usually not ambulance or transport home, which an annual plan can cover.
What is a stability period, and why does it matter?
If you have a medical condition, a stability period is the time before you leave during which that condition must not have changed. Each policy defines this, but it usually means no new treatment or medication, no change in dose, no new or worse symptoms, no hospital stay or referral to a specialist, and no tests or results still pending. Some routine changes, such as switching to a generic version of the same drug, usually don’t count. On an annual plan, the stability period counts back from each departure, not from the day you bought the plan.
The period depends on your age, the length of your trip and your answers to the health questions. It’s often 90 or 180 days. If the condition changes inside that period, it may not be covered on your trip, even if the change seemed minor. Some plans offer an optional rider, at extra cost, with a shorter stability period. It’s only needed if your health changed during the standard period. If your health changes after you buy, tell us before you leave, so we can check your options.
Are pre-existing conditions covered by travel insurance?
Often, if the condition was stable before you left. Most plans cover a pre-existing condition only if it didn’t change during the stability period, which is often 90 or 180 days. If it changed, a claim related to it may be refused. Some plans offer an optional rider, at extra cost, with a shorter stability period, needed only if your health changed during the standard period.
Related to multi-trip travel medical insurance
- Single trip travel medical insurance Medical coverage for one trip, from departure to your return.
- Emergency travel medical insurance Pays for emergency medical care while you’re travelling.
- Trip cancellation and interruption insurance Pays back non-refundable costs if a trip is cancelled or cut short.
- Visitors to Canada insurance Emergency medical coverage for visitors, including Super Visa.
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.