Travel insurance provides financial protection in case of incurred medical expenses that may arise during a trip outside of your province or country of residence. Without proper travel insurance, you may find yourself responsible for the payment of the medical bills incurred in an emergency, while consulting a doctor, or if you are hospitalized. Even if you are covered by your provincial health insurance, the cost of medical expenses incurred outside of your province remains very limited.
Your provincial health insurance plan covers a very limited portion of your medical costs while you are abroad. Each public insurance plan reimburses hospital services following a sudden illness or an accident according to pre-determined amounts. These amounts do not take into consideration the reality of the expenses of health care in the country visited.
Medical insurance coverage usually begins at the date and time you leave your province or territory of residence. If your travel insurance coverage includes cancellation and trip interruption benefits, the effective date will be the date of your purchase. Therefore, between the date of purchase and prior to your departure date, you will be covered for events that could lead to cancelling your trip.
Some travel insurance providers will allow you to subscribe after leaving your province or country of residence. In this case, any sickness that manifests during the waiting period after the effective date is not covered, even if the related expenses are incurred after this period. It is recommended you always purchase your insurance prior to your departure from your province to avoid limiting your benefits.
Your coverage ends the moment you enter the territory of your Canadian province or country of residence if it is not Canada(for visitor to Canada policies). When you set your travel dates, your confirmation letter shows your date of departure and your date of return (expiration date) to your province or country of residence.
If you wish to extend your policy after leaving your province or country of residence, you can request for an extension of your coverage.
If a claim was submitted prior to extension, the insurer must review your file before allowing an extension of coverage. The insurer reserves the right to refuse any extension request.
A pre-existing medical condition is a medical condition or medical symptoms that exist on or prior to the effective date or on a departure date. All travel insurance policies have exclusions for pre-existing medical conditions and each insurer has their own definition.
In the event of an early return, you can request a refund for the unused portion of your insurance premium. You must not have made any medical claims or have any pending claims that will be forwarded to the insurer. For an early return to be valid you must have returned to your province of residence.
Yes. You must contact us within 5 days before the initial departure date for any change in travel dates. In the case that the change leads to an extension or shortening of the duration of your stay, the insurance premium will be adjusted accordingly, and the price adjustment corresponding to the number of days added to or deducted from the duration of the stay will be adjusted consequently from the initial purchase.
The maximum coverage period that you can subscribe to travel insurance is 365 days. We recommend you verify with your Government health insurance coverage to see if you can extend your coverage beyond the maximum allowed by your province. The maximum allowed is 183 days or 212 days. (depending on your province).
In the event of a medical emergency during your stay, you must contact emergency assistance listed on your travel insurance card before seeking care. A traveller who does not contact emergency assistance prior to receiving treatment may have his coverage reduced or limited. In the event that you cannot contact emergency assistance prior to receiving treatments, you can ask someone to call for you, or call as soon as it is possible.
A change in medication or health can affect your eligibility to the policy. You must contact us to update your medical declaration. This will help us determine whether you are still eligible for this policy or not. This can also affect certain exclusions and possible premium adjustments.
Yes, you can buy one of our insurance plans even if you are in Canada. An initial wait period of usually 48 hours will apply before coverage starts for any health issues or symptoms. There are no wait periods for any accident or Injuries.
If you have visitor to Canada coverage or covered under a super visa policy, you can travel outside Canada as long as you spend the majority of your time in Canada. Your trip must begin and end in Canada. The trip length outside Canada differs from one policy to another.
The medical expenses incurred while you are in your home country are not covered. Certain policies will remain in force while you are in your home country; other policies will automatically end coverage on the day you return to your home country.
If you return to your home country before your insurance plan expires and do not intend to return to Canada, you may be eligible for a partial refund of your insurance premium, provided you have not submitted any claims or have no pending claims to submit. We will reimburse the unused portion minus any cancellation fees.
Insurance premiums are calculated and stated in Canadian dollars. All premiums and refunds are collected in Canadian dollars.
Your policy has exclusions, restrictions and limitations. Always read your policy carefully before you travel, so that you understand, and are aware of the limits of your coverage.
Travelling more than once in a year? A multi trip annual plan covers you for an unlimited number of trips over the period of 12 months. There is a wide choice of number of days that you can be away for every trip. If you are planning to go on a trip that will exceed the number of days of coverage allowed by your multi trip annual plan, you always have the option of purchasing extra days.
Most plans will exclude any medical expenses related to a pre-existing condition that does not meet the stability requirement for a certain period of time before your departure date. Each insurance policy has its own definition of “stable & controlled.” Stable & controlled often means there have been no changes in treatment, diagnosis, medication, or symptoms for a given period of time and you must not be waiting for test results.
Whenever possible, the insurance companies will try to coordinate direct payment (minus any deductibles) with the hospital or the clinic so that you do not have to pay out of pocket. It is important that you contact your Emergency Assistance if you need medical attention. Emergency Assistance will help you get the medical attention you need while attempting to coordinate payment at the facility where you are being treated.
You should review the coverage provided on your credit card. Some cards have restrictions and limitations on age. Benefits may be reduced or excluded.
Cancellation insurance covers the cost of your travel arrangements. The benefits payable under this policy cover the travel costs that are non-refundable and non-transferable, to the maximum sum insured. This policy protects your trip value in case you need to cancel due to unforeseen events such as a serious illness, or even the death of a loved one. It also provides protection in case your airline or cruise line suddenly goes bankrupt. In brief, trip cancellation insurance covers financial losses related to non-refundable expenses, such as prepaid purchases.
SONOMAD is a financial services firm operating nation wide and based in Quebec, Canada. Our network of insurance brokers provides a range of personal protection and investment products to serve the needs of our clients.
It is important to compare because premiums and benefits can vary from one insurer to another. SONOMAD’s licensed advisors have over 20 years of professional experience and offer a personalized evaluation of your needs
Many insurance companies will ask for a medical questionnaire to be completed . They may require a medical check up, including blood tests, etc. Our network of brokers will find the right coverage for you based on your medical history, even if you have health issues.
Before buying an insurance product, take the time to compare different insurers’ offers. Prices can be fixed or increased over time. Also compare contract expiry and renewal options. Your licensed agent or broker can guide you in those options. The right insurance product for you is available. It’s worth taking the time with our licensed advisors to find it.
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