OHIP doesn't follow you the way most people think. A medical emergency outside Canada can cost tens of thousands of dollars, and trip cancellations can wipe out your vacation investment. Travel insurance protects both.
For a specific vacation or trip. Coverage starts when you leave and ends when you return. We'll match the policy to your destination, trip length, and activities.
If you travel frequently, an annual plan can be more cost-effective than buying single-trip coverage each time.
Longer trips require different coverage. If you're heading south for the winter or spending extended time abroad, we'll confirm duration limits and pre-existing condition rules.
Provincial health coverage does not follow you outside Canada the way most people assume. Emergency medical coverage pays for hospital, doctor, ambulance, and medical evacuation costs that OHIP won't cover abroad.
Protects your trip investment if you need to cancel before departure or cut your trip short due to covered reasons like illness, injury, or death of a family member.
Covers loss, theft, or damage to your luggage and personal belongings during your trip, subject to limits and exclusions.
Access to a helpline that can coordinate medical care, arrange evacuations, and help navigate emergencies abroad. Often the most valuable part of a travel policy.
Provincial health coverage does not follow you outside Canada the way most people assume. Emergency medical coverage pays for hospital, doctor, ambulance, and medical evacuation costs that OHIP won't cover abroad.
Protects your trip investment if you need to cancel before departure or cut your trip short due to covered reasons like illness, injury, or death of a family member.
Covers loss, theft, or damage to your luggage and personal belongings during your trip, subject to limits and exclusions.
Access to a helpline that can coordinate medical care, arrange evacuations, and help navigate emergencies abroad. Often the most valuable part of a travel policy.
Planning a trip?
Tell us where you're going, how long you'll be away, your age, and any health considerations. We'll recommend appropriate coverage.
Most travel medical policies have rules around pre-existing conditions. If you have ongoing health issues, we'll confirm stability periods and exclusions before you buy.
Provincial health insurance pays very little for care outside Canada. A hospital stay in the U.S. can cost thousands per day. Travel medical insurance is essential, not optional.
Travel insurance has exclusions for high-risk activities, alcohol-related incidents, and certain destinations. We'll make sure you understand what's covered before you leave.
Most travel medical policies have rules around pre-existing conditions. If you have ongoing health issues, we'll confirm stability periods and exclusions before you buy.
Provincial health insurance pays very little for care outside Canada. A hospital stay in the U.S. can cost thousands per day. Travel medical insurance is essential, not optional.
Travel insurance has exclusions for high-risk activities, alcohol-related incidents, and certain destinations. We'll make sure you understand what's covered before you leave.
A few minutes of planning can save thousands.
For travel to the U.S., we typically recommend at least $2M to $5M. For other destinations, $1M to $2M is often sufficient, but it depends on where you're going and how long you'll be away.
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