Travel cover · Canada-wide

Travel covered. Anywhere. Anytime.

Emergency medical to $10M, trip cancellation, baggage protection. Single trips, multi-trip annual plans, and Super Visa cover for visiting parents and grandparents.

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Emergency medical to $10M

Multi-trip annual available

Super Visa compliant policies

Quick travel quote

Three types

Single, multi-trip, or visitor?

Single trip

One trip, one premium. Cheapest per-trip cost when you travel once or twice a year. Cover for the exact duration of travel.

Multi-trip annual

Unlimited trips in a 12-month period, each up to a chosen length (typically 4, 10, 17, or 30 days). Cheapest per-trip cost for frequent travellers.

Visitors / Super Visa

Cover for non-residents visiting Canada. Super Visa policies meet the $100,000 IRCC minimum coverage requirement.

Why emergency medical matters

Provincial health doesn't follow you abroad.

The real numbers

OHIP and equivalent provincial plans reimburse about $50–$400/day toward foreign hospitalisation, versus US hospital costs that routinely run $5,000–$20,000/day. The gap is on you.

A single-night ICU stay in Florida averages $13,500 USD. A stroke or heart-attack hospitalisation routinely tops $150,000 USD. Travel insurance closes that gap.

What's typically covered

Hospital + physician costs
Emergency dental
Prescription drugs
Air ambulance / medical evacuation
Repatriation of remains
Family member travel to be with you

Pre-existing conditions

Stability period and disclosure

Critical: Travel insurance has strict pre-existing-condition rules. Most policies require a "stability period", your condition must have been stable (no changes in treatment, medication, or diagnosis) for 90 to 180 days before departure. Failure to disclose accurately means a denied claim, even on unrelated treatment. Disclose everything. Your advisor walks through the questions before you buy.

Sample premium ranges

What you might pay

Traveller	Single trip, 2 weeks USA	Multi-trip annual	Super Visa, 1 year
30-year-old, healthy	$28–$48	$165–$245	—
55-year-old, healthy	$78–$128	$385–$520	—
65-year-old, stable conditions	$185–$315	$945–$1,385	$1,650–$2,450
75-year-old, stable conditions	$365–$615	$1,850–$2,650	$3,250–$4,850

Premiums shown are sample ranges. Actual rates vary materially with age, health stability, destination, deductible, and benefit limits. Final pricing requires a quote.

Common questions

Travel insurance FAQ

Premium credit cards offer limited cover, usually emergency medical up to $1–$5M, with strict age caps (commonly 65), trip-length limits (often 15–25 days), and unclear pre-existing-condition rules. Compare to your card's policy document carefully; for longer trips or older travellers, the card cover is usually inadequate.

As soon as you book the trip, coverage for cancellation events (illness, family emergency) only applies for events that occur AFTER you buy the policy. Buying the day before departure won't cover the medical event that caused the cancellation if it occurred days earlier.

Yes, if you accurately disclosed your medical history and any pre-existing conditions were stable during the policy's stability period. Failure to disclose, or treatment changes inside the stability window, may lead to claim denial.

Common exclusions: high-risk activities (mountaineering, scuba below certain depths, paragliding) unless rider purchased; injuries while intoxicated; injuries from criminal acts; travel against medical advice; treatment for conditions that were unstable before departure.

Travel covered before you go.

We quote across multiple carriers, emergency medical, cancellation, baggage, sport riders, and explain the small print. An LLQP-licensed advisor reviews before you buy.

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