Travel insurance

Travel with Confidence

Protect your trip, your wallet, and your peace of mind — wherever life takes you

Why You Need Travel Insurance ?

Travel is exciting — new places, people, experiences. But surprises happen: illness overseas, missed flights, lost luggage, or emergencies back home.

Travel insurance protects your finances and peace of mind when the unexpected strikes.

Whether you’re a Canadian travelling abroad, a student, or someone visiting Canada, good travel insurance ensures you don’t get stuck with huge bills.

Types of Travel Insurance You Might Need

Traveller Type	What’s Important
Canadian Travellers Going Abroad	Emergency medical, trip cancellation/interruption, baggage loss, evacuation, COVID-19 coverage, political unrest / natural disaster add-ons.
Students Studying Abroad	Longer duration coverage, coverage for returning home, medical & dental, extra protection for study-related travel, liability, often lower cost if staying for longer.
Visitors to Canada	Emergency medical to cover hospital or physician visits, repatriation, travel delay, accidental injury, sometimes COVID-19 related.
Frequent/Business Travellers	Multi-trip annual plans, higher medical limits, baggage coverage, business interruption, flexibility in dates, travel delay coverage.

What Does Travel Insurance Cover

Here are typical coverage components — specifics vary by insurer/plan:

Emergency Medical Covered Abroad / in Canada
Covers hospital stays, doctor visits, ambulance, diagnostics, treatments for injuries or sudden illnesses.
Medical Evacuation / Repatriation
If seriously injured or sick, pays for transport to best medical facility or return home.
Trip Cancellation / Interruption
Reimburses prepaid, non-refundable costs if you have to cancel before your trip or cut it short due to covered reasons (death in family, illness, unforeseen events).
Baggage / Personal Effects Loss or Delay
Covers lost, stolen, or damaged luggage, and compensation if baggage is delayed.
Travel Delay / Missed Connection
Useful if flights are delayed/cancelled — covers accommodation, meals, rebooking costs.
Optional Add-ons / Riders

What’s Not Covered / Limitations

It’s just as important to clarify what’s not covered or where limits/exclusions may exist:

Pre-existing medical conditions (unless you get a waiver or declare them)
Routine or elective medical procedures
Injuries from very high-risk activities if not added as a rider
Travel to regions under government travel advisories (unless coverage includes them)
Unpaid claims if policy terms aren’t followed (e.g. not getting medical attention quickly, not keeping receipts)
Amount limits (e.g. cap on baggage loss, limit per item)

Pick the Right Travel Insurance Plan

Here are key decision points & tips:

Criteria	Description
Medical Limit	How much are you covered for emergencies abroad? A low limit can leave you with big bills.
Duration	Is it a single trip or are you travelling often? Multi-trip annual plans may save money.
Geographical Coverage	Some plans exclude certain countries or have higher deductibles in remote regions.
Waiting Period for COVID-19 or Specific Events	Understand what qualifies and how long you need to wait before coverage applies.
Deductible / Co-insurance	How much you have to pay out of pocket before insurance kicks in.
Comfort with Claims Process	Choose a provider known for good support, fast reimbursements, and strong customer service.
Add-ons You Really Need	Adventure sports? Rental car coverage? Lost gear? Don’t overpay for things you won’t use.

What Affects Your Premium

What influences how much travel insurance will cost you:

Traveller’s age — older = higher risk
Your health status / pre-existing conditions.
Trip duration — longer travel = more exposure.
Destination — developed country with expensive healthcare vs remote/expensive travel region.
Type of plan (single trip vs multi-trip).
Coverage amounts (medical, baggage, cancellation, etc.).
Add-ons / adventure activities.
Deductibles and co-insurance levels.

Example Scenarios

Sarah, age 40, buys a 2-week single-trip plan.

She wants emergency medical up to $1 million, baggage delay, trip cancellation for illness. She chooses add-ons for winter sports (skiing).

Her premium is reasonable, gives peace of mind.

Ahmed needs coverage for full duration: health/dental, return trip, emergency evacuation, lost/stolen items.

Since it’s a long period, he looks for an annual plan that covers that full time (or a long-term plan), possibly with monthly payments.

Maria is visiting her children in Montreal for 3 months. She purchases visitor insurance covering emergency medical, repatriation, COVID-19 quarantine costs.

Ensures that if she becomes ill, she’s not facing huge bills.

Example Premiums (Estimates)

Here are some rough example costs to give your visitors an idea (not guarantees):

Traveller Profile	Destination	Duration	Coverage Highlights	Estimated Premium*
30-year-old healthy, single trip to Europe (2 weeks)	Western Europe	14 days	$1M medical, baggage loss, trip cancellation	$40 - $80 CAD
50-year-old with mild pre-existing condition	Caribbean	10 days	Same medical + evacuation + COVID-19 rider	$100 - $200 CAD
Student (18-25) studying abroad (9 months)	Europe / Asia	9 months	Medical, luggage, travel back home, evacuation	$400 - $800 CAD

Why Use a Travel Insurance Broker

As an independent financial advisor:

Compare many plans
You see more options, pricing, coverage than just one insurer.
Tailor coverage
Get the right plan, not the expensive “premium everything” or the bare-bones undercoverage.
Save money
Find a plan that gives you solid protection for what you actually need.
Support in emergencies
when you're far away from home, it helps to have someone you know to call.

Do I need travel insurance if I have provincial health insurance?

Usually yes — provincial coverage may offer very limited benefits outside your province or country, and won’t cover many emergencies abroad, evacuation, or travel-related losses.

Is COVID-19 treatment covered?

It depends on the policy. Some plans include treatment, quarantine, or testing related to COVID-19, but often add optional riders or have specific limitations. Always read carefully.

What if I already booked my trip and then buy insurance?

You can, but trip cancellation/interruption benefits may be limited depending on how far in advance you purchase.

Ideally buy travel insurance ASAP after booking.

Can I get coverage for adventure sports or extreme travel?

Yes — often as an add-on. But some insurers exclude very high-risk sports (e.g. skydiving, base jumping) or require additional premium.

What happens if I need medical care abroad?

Contact your insurer as soon as possible (many have 24/7 emergency assistance hotlines). Keep all documents/receipts.

They’ll often work with hospitals abroad or have preferred providers to help with direct billing.

Am I covered if travel plans are disrupted by things like natural disasters or government travel advisories?

Sometimes yes, if your plan includes “traveller disruption” or “trip interruption” provisions. But many policies exclude high-risk destinations or government advisories.

You may need specific cover or riders.

What to Do Next / How We Help

1 - Assess Your Travel Plans

We look at your destinations, trip duration, planned activities, age, and health to match the right coverage.

2 - Identify Your Risks

From medical emergencies to trip cancellations, lost luggage, and unexpected events — we help you see where you need protection.

3 - Compare Top Plans

We review travel insurance options from trusted insurers, giving you more choices in price and coverage.

4 - Customize Your Policy

Select the right add-ons, deductible levels, and medical limits — no paying extra for coverage you don’t need.

5 - Ongoing Support

Once you’re insured, we guide you through emergencies abroad, claims, and documentation so you’re never alone.

Need a travel insurance?

Don’t leave your trip to chance. A small premium today can prevent huge expenses later