Coverage for Travelling Canadians

Designed for Canadians Travelling out-of-province or outside Canada.

Find the right travel coverage that fits your needs.

  • Get up to $10 million CDN in emergency medical insurance

  • Choose from a variety of insurance plans

  • Get a quote in minutes

  • Buy online or by phone

  • Plus, save 50% on rates if you travel within Canada

Travel insurance for every kind of trip, from getaways to once-in-a-lifetime adventures

Single trip
Coverage overview

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.
Emergency Medical Plan1
  • 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. 
Trip Cancellation/Interruption Plan3

 Provides you reimbursement for your prepaid non-refundable and non-transferable travel arrangements in the event you must cancel your trip or your trip is interrupted due to a covered event6.
All Inclusive Plan1

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.
Multi-trip
Coverage overview

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.
Emergency Medical Plan1
  • 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.
All Inclusive Plan1

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.
Travelling within Canada
Coverage overview

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
Top-up your travel insurance
Coverage overview


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.

 

Helpful resources and tools

Travel Documentation

Before you embark on a vacation, business trip, or day's adventure across the border, be sure you are prepared with the proper documentation.

Lost, Stolen or Damaged Baggage

While travelling, your baggage contains everything you need. Naturally, if your bag is missing, stolen or damaged, it can cause you serious distress.

Frequently asked questions

Ready to apply

Coverage for Travelling Canadians

Get a quote online with the convenient application process.

Phone

Call us toll-free
1-877-421-0157

Mon-Fri (8:00am-8:00pm EST)

For claims - phone

Call toll free
1-877-372-2989

Mon-Fri (8:00am-8:00pm EST)

Scotia Travel Insurance, distributed by the BNS Insurance Agency Inc., is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, P.O. Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.
®
Registered trademark of The Bank of Nova Scotia, used under license. ScotiaLife Financial is the brand name for the Canadian insurance business of The Bank of Nova Scotia and certain of its Canadian subsidiaries.
1
Conditions, limitations and exclusions apply.
2
Every province has its own Government Health Insurance Plan (GHIP) 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
3
Trip Cancellation/Interruption: If you must cancel or interrupt your trip due to an unexpected covered event, this plan provides limited coverage for your non-refundable and non-transferable pre-paid travel expenses.
4
Top-up coverage must be purchased prior to the expiry date of the Multi Trip coverage and is subject to an extra premium charge. It is your responsibility to confirm that top-up is permitted on the existing plan with no loss of coverage. If you are 60 or older, the Medical Questionnaire must be completed at the time of application. The Emergency Medical Top-Up option can be used to top up a Scotia Travel Insurance Multi Trip All Inclusive plan.
5
If your Multi Trip plan is not underwritten by Manulife, it is your responsibility to confirm that a Top-Up is permitted on your existing plan with no loss of coverage.
6
See the Insurance certificate for what is a “covered event”
*

Please note: If the claim is a result of an act of terrorism, this benefit may be limited. Other exclusions, limitations and conditions apply. See the certicate for details.

To learn more about Manulife, visit www.manulife.ca or call 1-888-220-5212.