Travel Medical Insurance for Canadian Travelers
| Who? | What? | Why? | When? | How? |
Who is travel hospital and medical Insurance designed for?
Emergency travel medical insurance is designed for Canadians traveling outside the province of residence or Canada for pleasure or business:
● Vacation travel,
● U.S.A. weekend trips
● Snowbirds and seniors (Dear Snowbirds! Click here for more information)
● Business trips
● Truck drivers
● Students who choose to study abroad (Click here for more information).
When you are planning your vacation trip (from province to province or the ocean cruise, trip to Dominican Republic, Cuba, Mexico, USA, Hawaii, Barbados, Italy, Greece and other destinations around the world), do not forget to purchase this insurance.
If you are a Canadian Student studying abroad or Canadian Student studying in Canada but outside your principle province of residence, you should buy supplementary health insurance: read more >>>
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Information for travelers to Cuba Since May 1, 2010, travelers must present proof of health insurance in order to enter the country. Upon arrival, travelers may be required to present an insurance policy, insurance certificate, or medical assistance card valid for the period of their stay in Cuba. Those who do not have proof of insurance coverage may be required to obtain health insurance from a Cuban insurance company when they arrive. For more information, please click on the link below Travel Reports & Warnings, Cuba. |
Travel Reports & WarningsTravel Reports & Warnings provide Canadians with official information and advice from the Government of Canada on situations that may affect their safety and well-being abroad. They may include a Travel Warning for a country or region where security conditions put Canadians at heightened risk. Travel Reports help Canadians make their own informed decisions in order to minimize risk while traveling abroad. Traveling to a country or region with a Travel Warning may impact your health insurance and/or trip cancellation insurance. The decision to travel is the sole responsibility of the individual |
Eligibility
To be eligible for Travel insurance for Canadians you have to be covered by a provincial health care plan for the entire period of coverage.
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Extended Absence from Canada |
If you don't have coverage under a government health insurance program and plan to live or work abroad in another country, T.I.C.Global Expatriate Hospital&Medical Insurance is designed for you.
Insurance Providers and Travel Insurance Plans Available
Shop for cheap affordable travel insurance with us. We sell travel insurance policies issued by the companies below: please click the links to get information, policy wording, rates and to buy Emergency Medical Travel Medical Insurance (single-trip and annual multi-trip), as well as all-inclusive travel plans.
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Insurance Providers |
Travel Insurance Plans |
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► Manulife Financial Buy and get your instant policy online |
▶ Travel Insurance for Canadian residents |
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► Group Medical Services Buy and get your instant policy online |
▶ TravelStar |
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► 21st Century Travel Insurance (underwritten by Manulife Financial) |
▶ Medicare International Travel Insurance |
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► Travel Underwriters Buy and get your instant policy online |
▶ Freedom Travel Insurance |
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► T.I.C. Travel Insurance Coordinators |
Why do you need Emergency Travel Medical Insurance?
When Canadian residents travel between provinces or out of the country they remain covered by their provincial health care plan. However, there are restrictions as to the amount of coverage and to the periods of absence from their home province. Since only a fraction of medical and hospital expenses may be covered, Emergency Travel Medical Insurance can make up the difference.
"Emergency" means an unexpected, unforeseen sickness or bodily injury, which requires immediate medical treatment and which cannot be delayed until returning to country of origin.
This insurance also provides financial assistance with the cost of returning home by air ambulance, returning the patient and his or her traveling companions home early, or for relative to travel the location of the patient.
How you can buy Emergency Travel Medical Insurance
There are three ways to purchase this policy:
Online
You can buy a
travel insurance policy
online
directly from
Manulife Financial
, Travel Underwriters, or
Group Medical
Services , using links on this website: just click the link and follow
instructions - you will get an instant policy online.
If you have questions please Contact us prior to purchase a policy and read the policy carefully to make sure that this policy is what you need.
Over the phone & e-mail
You can
purchase this policy over the phone calling at
416-493-0101 or 1-877-443-0101. You can also
Apply ONLINE
for Travel Medical Insurance. We
will contact you after receiving your Application to help you
select
the policy and arrange payment. The policy will be
issued and e-mailed you immediately after your payment is
approved. Additionally, a hard copy of your policy will be mail
you if requested.
Appointment
Contact us and we arrange an appointment with you
at our office or
your home (GTA area, Ontario). It will take twenty minutes to fill
out an application and get a policy.
When to buy Emergency Travel Medical Insurance
Generally, you have to buy a policy before or on your departure date.
If you are already on your trip and decide to stay longer, you can extend your coverage before the expiry date of your existing coverage. Some conditions may apply. Refer to the policy wording for details
Top-ups: If you have already Emergency Medical plan (single trip or multi-trip) but you need coverage for more days than you have with the existing plan, you have to purchase top-up coverage before leaving your province of residence.
Refer to the policy wording for details.
Learn how the policy covers pre-existing conditions
Insurance rates are very important but it is not the only thing that requires consideration. Travel medical insurance contract does not cover everything. There are some differences in coverage with different travel insurance plans and each plan includes a row of exclusions and conditions. If you have pre-existing medical condition, please check whether the policy covers your pre-existing condition. Do it before purchasing insurance!
Multi-Trip Plans
If you travel more than once a year, it may be less expensive to buy a Multi-Trip plan. It is important for truck drivers, businessmen, everyone who often cross the border of Ontario. You can choose from 4, 8, 10, 15, 18, 30, 35, 105 day plans (in different companies). You’ll be covered for 12 months and can travel for an unlimited number of trips up to the trip duration you have chosen. Click here for more information.
All-Inclusive Plans
Your Travel insurance package may also include emergency medical insurance, trip cancellation insurance, trip interruption, lost of baggage and accidental death insurance (All-Inclusive policy).
Trip cancellation insurance, trip interruption, lost of baggage may be purchased separately.
Contact us for details and consultation to make sure that the chosen plan is right for your needs!
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If you have any questions or concerns feel free |
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