Coverage for Travelling Canadians

This plan is ideal when you are only taking one trip within a 12-month period.

With three Single Trip plans available, you can pick the one that’s right for you.

• You can get up to $10 million dollars CDN in emergency medical insurance.
• If you get sick, you may have access to a qualified doctor by phone or even have the doctor make a house call with the Medical Concierge benefit. 

You’ll have all the benefits of Emergency Medical Insurance, Trip Cancellation/Interruption Insurance, plus:

Baggage Loss, Damage and Delay Insurance¹

You may be reimbursed up to $1,000 CDN per trip if loss or damage to your baggage occurs due to a covered event⁶. Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $500 CDN for necessary toiletries and clothing.

Flight and Travel Accident Insurance¹

This benefit provides a lump sum payment in cases of accidental bodily injury or death while travelling as a commercial passenger on a plane, while making a flight connection or while you are at the airport awaiting a flight. A lump sum payment is also payable in cases of accidental bodily injury or death as a result of an accident that may happen during your trip.

What’s the average length of your trips? You can get coverage for up to 4, 10, 18, 30 or 60 days. Plus, you can top up⁴ your emergency medical coverage and purchase additional days if your trip is longer than planned.

With two Multi Trip plans available, you can pick the one that’s right for you.

• If you need emergency medical care, you can receive up to $10 million dollars CDN in emergency medical insurance.
• If you get sick, you can access to a qualified doctor by phone or even have the doctor make a house call with the Medical Concierge benefit.

You’ll have all the benefits of Emergency Medical Insurance, plus:

Baggage Loss, Damage and Delay Insurance¹

You may be reimbursed up to $3,000 CDN per trip for loss or damage to your baggage due to a covered event⁶. Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $1,500 per certificate CDN for necessary toiletries and clothing.

Flight and Travel Accident Insurance¹

This benefit provides a lump sum payment in cases of accidental bodily injury or death while travelling as a commercial passenger on a plane, while making a flight connection or while you are at the airport awaiting a flight. A lump sum payment is also payable in cases of accidental bodily injury or death as a result of an accident that may happen during your trip.

If you are travelling outside your province or territory of residence but within Canada, you still need travel insurance.

Our Canadian Travel Emergency Medical Single Trip Plan gives you all the coverage of our regular Emergency Medical Single Trip Plan at a 50% savings. Every province has its own Government Health Insurance Plan (GHIP)² which can have different maximum amounts payable for different medical services. So, if you need emergency medical attention while travelling out-of-province, you will personally have to pay any difference between what your province's GHIP covers and what the destination province charges.

Please refer to the Government of Canada website for their recommendation on this matter: https://travel.gc.ca/travelling/documents/travel-insurance

If you’re extending your trip or your employee health plan doesn’t provide enough coverage, it’s smart to “top up” your travel insurance. Here’s how:

Let’s say you’re insured for a 10-day trip but you’re actually staying for 12 days. You can top up your emergency medical insurance by purchasing two extra days of coverage. Then you’ll have coverage for your whole trip⁵.

Topping up your emergency medical insurance¹ is ideal when:

• Your current Multi Trip plan doesn’t cover the full length of your trip.

• You’re already insured through your employee extended health plan or your credit card, but you need a few extra days of coverage⁵.

Please ensure your current plan allows top ups.

Plus, Emergency Medical Top-Up coverage is available for individuals, couples and families¹.