Travel medical insurance

What is travel medical insurance?

This coverage is a must-have when traveling outside your home province or Canada. This what we usually refer to when we think about travel insurance.

By covering medical emergencies, while you are traveling, this insurance gives you with peace of mind knowing that if ever your health is in jeopardy or you get into an accident, you will not incur medical costs.


If you leave your home province, this is the minimal coverage you should have. Other coverage such as trip cancellation, all-inclusive travel insurance and multi-trip insurance offer a more complete coverage.

What is covered?

This insurance will cover you for 1 trip for any medical emergencies that you may have.

Here’s what is usually covered:

  • Medical emergency
  • Return of deceased
  • Accidental death
  • Prescribed medication
  • Emergency dental treatment
  • Paramedical services
  • Repatriation
  • Ambulance
  • Vehicle return
  • 24/7 assistance
  • Laboratory tests

Why do you need medical coverage when you travel?

This insurance is particularly important for international travelers and students as standard provincial health insurance plans won’t cover most of the medical bills while you’re in another country. Travel medical insurance coverage is absolutely essential as the hospital fees can easily climb to the hundreds of thousands of dollars.

Claim example

Hospitalization from Near-Drowning
Isaac was on a family vacation in California when he wandered outside and fell into a swimming pool. This went unnoticed for several minutes until his father came out looking for him. A family member performed CPR while an ambulance was called. Isaac was rushed to the children’s hospital where he was kept for observation overnight. Luckily, he suffered no ill effects and the family was able to enjoy the rest of their trip.

Ambulance fees $1,200.18
Hospital fees$16,231.44
Doctors’ fees $1,675.54
Radiology fees $327.41
Provincial healthcare - $114.57
Amount paid by the insurance company$19,320.00

Don’t put your financial assets at risk due to health issues and make sure you are well covered.

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