No-nonsense medical emergency travel insurance.

Medical insurance coverage 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.

Our products 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.

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 traveler 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.

Yes, our exclusive product plans provide coverage for pre-existing medical conditions, as long as you meet the eligibility and stability requirements.
Our easy to use state of the art medical declaration tool was developed to simplify the underwriting process and guarantee coverage for your preexisting medical conditions.

If you wish to extend your policy after leaving your province or country of residence, you can request for an extension of your coverage.

• Purchase the additional protection before your policy expires (usually up to 5 days before).
• Be in good health.
• Have no reason to seek medical consultation during the new period of 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.

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.

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.

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.