Travel Insurance

Travel with confidence.

What is travel insurance?

Travel insurance helps protect your trip and your health when unexpected events happen. Core coverage includes Emergency Medical protection while traveling, Trip Cancellation, Trip Interruption, and Baggage or Travel Delay benefits. It’s designed to cover expenses not included under your provincial plan or airline.

How does it work?

Travel insurance offers financial security for unexpected situations. Whether you face a medical emergency abroad, need to cancel your trip on short notice, or experience issues like lost or stolen luggage, your policy guarantees quick financial assistance when you need it most.

Who is it best suited for?

Canadians travelling out of province or out of country, families on vacation, business travellers, students studying away, snowbirds needing longer stays, and visitors to Canada who need emergency medical protection. Plans can be tailored for single trips or multiple trips per year.

Key features of a
travel insurance policy

Trips don’t always go as planned. These features help you manage costs and get help quickly, so you can focus on the journey.

01 Emergency Medical

Secure your health abroad

Coverage for eligible hospital, physician, ambulance, and prescription costs while travelling. Stay focused on that matters and be confident in your health and security anywhere in the world.

02 Plans & Add-Ons

Build a plan for how you travel

Single-trip or multi-trip annual, family plans, snowbird top-ups, visitors-to-Canada medical, rental car damage, and adventure-sports upgrades can be customized to your itinerary and budget.

Still have questions?

Reach out to speak to an advisor and get clear guidance.

Speak to an advisor

Frequently asked questions

Do I need travel medical insurance if I have a provincial plan?

Yes. Provincial health plans offer limited coverage outside your home province or country and generally do not cover expensive items such as medical evacuation. Travel medical insurance helps fill these gaps.

When should I purchase trip cancellation coverage?

It’s best to buy coverage as soon as you book your trip. Early purchase ensures maximum protection for unforeseen pre-departure events. Your advisor can confirm any time-sensitive deadlines based on your itinerary.

Are pre-existing medical conditions covered?

Coverage depends on the plan’s definition of stability and your medical history. Some policies cover stable conditions after a waiting period, while others may require additional medical information. We can help you compare your options.

What coverage limit should I choose?

Higher coverage limits offer greater protection for medical emergencies and evacuations. We’ll help you select a limit that aligns with your destination, trip duration, and budget.