What you need to know about travel & medical insurance

Attention Travellers!

Nowadays, travelling is a frequent occurrence; people go shopping across the border, take a cruise, or go for a 1-week all-inclusive vacation like it’s no big deal.  

So it’s more important than ever to have emergency medical or travel insurance coverage when you’re travelling outside of your province of residence.  Here’s what you need to know about getting travel insurance for your upcoming trip, holiday, or vacation. 

AmbulanceWhy bother getting travel insurance coverage? Anything can happen when you’re travelling.  Out-of-pocket expenses for services like an ambulance, prescription drugs, emergency dental work, lost or damaged baggage and trip cancellation can add up.  Not only can you better protect yourself with travel insurance, you could end up saving hundreds and thousands of dollars.

Frequent travellers may opt for an annual plan. If you’re travelling more than once per season, one of most efficient ways to purchase travel insurance is to do so on an annual basis. These plans are sometimes referred to as Annual Plans or Multi-Trip Annual Plans and they provide a certain number of days’ worth of coverage within a 1-year period – i.e. 30 days of coverage for any number of trips throughout the year.  As an added bonus, many of these plans will come with no restrictions on trip duration while you are travelling within Canada, although you may be out of own province. 

Travel insurance coverage for less-frequent travellers.  If you travel occasionally, an annual plan may not be the right policy for you, but the need for travel insurance is just as important. You need to purchase supplementary coverage every time you leave your province/territory of residence. Government health insurance plans (GHIP) will cover an incredibly restricted portion once you leave home province or territory. In fact, the Canadian Government urges all Canadians to purchase supplemental health insurance when travelling. 

HospitalUnlike your government insurance health plan, a travel insurance policy offers you:

  • Coverage for eligible medical expenses
  • Up-front payment of eligible medical expenses whenever possible
  • 24-hour emergency medical assistance whenever you need help
  • Paramedical service including chiropractor, osteopath, physiotherapist, chiropodist or podiatrist
  • Emergency dental treatment
  • Expenses to bring someone to your bedside
  • Extra expense for meals, hotel, phone calls and taxi
  • Emergency evacuation, local & air ambulance and expenses to bring you home
  • Expenses to bring your children and travel companion home
  • Expenses related to your death
  • Expenses to bring your vehicle home
  • And much more!!

Don’t leave home without it! 

For a quote on travel insurance coverage for your next trip from Tour+Med Travel Insurance, go to: for English.  En Francais:

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