Multi-trip travel medical insurance

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.

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.

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.