Travel Insurance

Travel Canada - Under Age 60 Plan

Benefit Summary

• For trips entirely within Canada.
• No medical questionnaire.
• Family rates available.
• No pre-existing condition exclusions. 
• Emergency medical - up to $5,000,000 CDN medical coverage plus access to multilingual 24/7 travel assistance. 
• To be referred to a doctor
• To have covered medical bills looked after
• To be brought home for medical attention, or
• To access our other assistance services in an emergency
• Arrangement of air ambulance services when necessary and arranged by the Assistance Centre

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

Rental Vehicle Damage Insurance

Benefit Summary

• Collision Damage Waiver - Rental vehicle damage insurance provides coverage up to $60,000 for 45 days toward the liability assumed when you sign a rental vehicle agreement.
• You must have a valid driver's license. 

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply. 

Annual Medical - Under Age 60 Plan

Benefit Summary

• For travellers who take more than one trip a year.
• Emergency medical coverage for unlimiated trips throughout a one-year period for trips of up to 8, 18, 30 or 60 days.
• No medical questionnaire required. 
• Family rates are available.
• Emergency Medical - Up to $5,000,000 CAD in emergency medical coverage plus access to multilingual 24/7 travel assistance for:
  • Covered medical provider expenses including those of a hospital, physicians and nurses
  • Toll-free assistance centre to provide assistance and managed care
  • Have covered medical bills pre-paid where available
  • Emergency medical transportation home when necessary and arranged by the Assistance Centre

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply. 

Global Medical - Under Age 60 Plans

Benefit Summary

• Emergency Medical - Up to $5,000,0000 CAD in emergency medical coverage plus access to multilingual 24/7
• No medical questionnaire required. 
• Family rates are available. 
• Travel assistance for:
  • Covered medical provider expenses including those of a hospital, physicians and nurses
  • Toll-free assistance centre to provide assistance and managed care
  • Have covered medical bills pre-paid where available
  • Arrangement of air ambulance services when necessary and arranged by the Assistance Centre

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

Global Medical -  Groups

This plan is only available for groups (minimum of 10 people who share travel arrangements).

Benefit Summary

• Emergency Medical - Up to $5,000,000 CAD in emergency medical coverage plus access to multilingual 24/7 travel assistance for:
  • Covered medical provider expenses including those of a hospital, physicians and nurses
  • Toll-free assistance centre to provide assistance and managed care
  • Have covered medical bills pre-paid where available
  • Arrangement of air ambulance services when necessary and arranged by the Assistance Centre
• No medical questionnaire required. Family rates are available.

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply. 

Trip Cancellation Plans

Benefit Summary

• Trip Cancellation - sum insured
• Trip Interruption - sum insured
• No age limit.
• Covers risk of unexpected cancellation and interruption.
• Does not include emergency medical coverage. 
• Some of the covered risks include:
  • Reimbursement of non-refundable pre-paid trip costs, up to the Sum Insured, when an unexpected medical emergency strikes you, your travelling companion or immediate family members, causing the cancellation or interruption of the trip
  • Travel advisories issued that affect your insured trip
  • Weather delays
  • Missed connection expenses due to a covered risk
  • Trip delay expenses due to a covered ris

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

Trip Cancellation  - Groups

This plan is only available for groups (minimum of 10 people who share travel arrangements).

Benefit Summary

• Trip Cancellation - sum insured
• Trip Interruption - sum insured
• No age limit.
• Covers the risk of unexpected cancellation and interruption.
• Does not include emergency medical coverage.
• Make sure you also add emergency medical coverage with assistance services. 
• Some of the covered risks include:
  • Reimbursement of non-refundable pre-paid trip costs, up to the Sum Insured, when an unexpected medical emergency strikes you, your travelling companion or immediate family members, causing the cancellation or interruption of the trip
  • Travel advisories issued that affect your insured trip
  • Weather delays
  • Missed connection expenses due to a covered risk
  • Trip delay expenses due to a covered risk

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

Trip Interruption Plan

This non-medical package plan is for those looking for a package plan to complement their existing travel emergency medical coverage. 

Benefit Summary 

• Trip Cancellation - sum insured
• Trip Interruption - unlimited
• Baggage Loss or Damage - Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects
• Baggage Delay -  Up to $500 to buy necessary clothing and toiletries in the case of baggage delay
• Flight Accident -  Up to $100,000
• Travel Accident - Up to $50,000
• Family rates available for under age 60. 
• Missed Connection - Up to $2,000 for same class transportation to catch up with the trip if your client's flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses
• Delayed Return - Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return
• No age limit.

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply. 

All Inclusive Plans

The all-inclusive plan offers the convenience of purchasing many coverages in one policy. 

Benefits Summary

• Trip Cancellation - Sum Insured
• Trip Interruption - Unlimited
• Emergency Medical - Up to $5,000,000 CAD
• Baggage Loss or Damage - Up to $1500
• Baggage Delay - Up to $500
• Flight Accident - Up to $100,000
• Travel Accident - Up to $50,000
• No age limit.
• Family rates available for under age 60. 
• No Medical Questionnaire required –Eligibility Requirements must be met for ages 75 and over
• Unlimited Trip Interruption Coverage
• Baggage Loss, Damage - Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects
• Baggage Delay - Up to $500 to buy necessary clothes and toiletries in the case of baggage delay
• Missed Connection - Up to $2,000 for same class transportation to catch up with the trip if your client's flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses
• Delayed Return - Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.

Annual All - Inclusive - Under Age 60

For travellers who take more than one trip a year, this plan offers the convenience of purchasing many coverages in one policy including coverage for unlimited trips of up to 8, 18, or 30 days each throughout a one year period. 

Benefit Summary

• Trip Cancellation - $1,500 per trip ($10,000 per year)
• Trip Interruption - Unlimited
• Emergency Medical - Up to $5,00,000CAD
• Baggage Loss, Damage - Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects
• Baggage Delay - Up to $500 to buy necessary clothing and toiletries in the case of baggage delay
• Flight Accident - Up to $100,000
• Travel Accident - Up to $50,000
• No Medical Questionnaire required
• Missed Connection - Up to $2,000 in same class transportation to catch up with the trip if your flight schedule changes, causing a misconnection and up to $350 per day for up to 2 days for hotel and meal expenses
• Delayed Return - Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply. 

Canada All-Inclusive 

The Canada all-inclusive plan offers the convenience of purchasing many coverages in one policy. 

Benefit Summary

• Trip Cancellation - Sum Insured
• Trip Interruption - Unlimited
• Emergency Medical - Up to $5, 000,000 CAD
• Baggage Loss, Damage - Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects.
• Baggage Delay - Up to $500 to buy necessary clothes and toiletries in the case of baggage delay.
• Flight Accident - Up to $100,000
• Travel Accident - Up to $50,000
• For trips entirely within Canada.
• No age limit.
• Family rates available for under age 60. 
• No pre-existing condition exclusions.
• No Medical Questionnaire required – Eligibility Requirements must be met for ages 75 and over
• Unlimited Trip Interruption Coverage
• Missed Connection - Up to $2,000 for same class transportation to catch up with the trip if your client's flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses
• Delayed Return - Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply. 

All - Inclusive Groups 

This plan is only available for groups (minimum of 10 people who share travel arrangements). The all-inclusive plan offers the convenience of purchasing many coverages in one policy. 

Benefit Summary

Trip Cancellation - Sum Insured

Trip Interruption - Unlimited

• Emergency Medical - Up to $5,000,000 CAD
• Baggage Loss, Damage - Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects
• Baggage Delay - Up to $500 to buy necessary clothes and toiletries in the case of baggage delay
• Flight Accident - Up to $100,000
• Travel Accident - Up to $50,000
• No age limit.
• Family rates available for persons under age 60. 
• No Medical Questionnaire required – Eligibility Requirements must be met for ages 75 and over.
• Unlimited Trip Interruption Coverage
• Missed Connection - Up to $2,000 for same class transportation to catch up with the trip if your client's flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses
• Delayed Return - Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return

This is a general summary only. For a full listing of benefits please read the policy as limitations and exclusions apply.