TRAVEL INSURANCE

Overview

This insurance is crucial for Canadians traveling outside of their home province and especially if they are leaving Canada. Costs are only marginally covered by Provincial Health Insurance Plans.

Provincial government health insurance Plan must be in force for all persons applying for emergency hospital and medical insurance.
Provincial Health Insurance Plans have limits on how long Canadians can be outside of Canada and still remain eligible for coverage. If you are intending to be outside of Canada for an extended period of time, usually 180 consecutive days or more, you should check with your Provincial Health Insurance Plan. Please note that insurance coverage is available if you do not have Provincial Health Insurance in force.
It is very important that you advise of any pre existing medical condition before departing on your trip, in order to ensure that you will be insured for this medical condition.
If you are 55 years of age or older, the insurer may require a completed medical questionnaire.
It is important that you review your travel insurance policy before departure, to ensure that any of the conditions /exclusions do not pertain to your own situation.
For those in the sport community, you should be aware that these policies contain sport exclusions, however, you can still be properly insured. Most sport exclusions will read as follows:

"Benefits are not payable for costs incurred due to injury resulting from training for or participating in speed contests usually and customarily in excess of 60 km per hour, professional sports activities, or organized motor sport contests.”

The term professional usually means an activity engaged in by the insured person who earns the majority of their income from such activity.

If the above does not apply to your circumstance, then we can arrange insurance for you while you are outside of your home province or Canada for emergency hospital / medical insurance as a result of an accident or illness and while you are doing your sport.

Here is a list of Plans that are currently available:

Emergency Hospital and medical Insurance
Multi-Trip / Annual Insurance Plans
Trip Cancellation and Interruption plans
Baggage Insurance
Accidental Death & Dismemberment insurance (AD&D)
Flight Accident
Rental car collision damage insurance.
Visitors to Canada emergency hospital & medical
Global expatriate hospital & medical
International student hospital & medical
Top-up insurance
Medical underwriting – For your peace of mind knowing you are insured for your pre-existing medical condition before you leave on a trip

FORMS

Request for quotation – It is important that you leave enough time prior to your departure date to apply for and secure your travel insurance.

To receive terms, simply submit the Request For Quotation, and we would be happy to provide you with a Proposal of Terms. Our Proposal will consist of details of premium, benefits, recommendations and a review of the best Insurance Company that fits your needs. Of course, we are always available to answer any of your questions.