Travel insurance – Travel.gc.ca
where can you get travel insurance
You can take out travel insurance through your:
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- travel agent
- insurance broker
- employer’s insurance provider
- credit card company
- Be sure to get a written agreement that your insurance covers your pre-existing condition, or you could find your claim “null and void” under a pre-existing condition clause.
- the agreement must also include a stability clause stating that if you will be covered for any pre-existing medical conditions for a specified period of time (stability period):
- you must have no changes to your medical condition
- You must have no new medical conditions, symptoms, or medications during the stability period before your trip.
- the agreement must include:
- a mercy clause saying that one misstatement cannot invalidate the entire policy, and
- a change of health clause.
- the preparation and return of your remains
- local cremation or burial outside Canada
- reasonable additional expenses if someone needs to travel to identify your body
- Is there a deductible and how much is it? plans with 100% coverage are more expensive but can save money in the long run.
- does the plan offer continuous coverage for the duration of your stay outside of canada and after you return?
- Does the plan exclude or severely limit coverage for certain regions or countries you may visit?
- Do you offer renewable coverage from abroad and for the maximum length of stay?
- Does the company have an internal, worldwide, 24/7 English emergency contact number and/or translation services for healthcare providers in your destination country ?
- Do you pay for hospitalization for illness or injury and related medical costs at your destination?
- Do you pay your bills or cash advances in advance, so you don’t have to pay them?
3. repatriation in case of death
make sure your plan includes everything you need to help your loved ones if you die outside of canada as a result of a sudden and unexpected accident or illness. make sure your insurance covers:
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For more information, see our death abroad page.
know what you are buying
Research your needs carefully. Please check the terms, conditions, limitations, exclusions and requirements of your insurance policy before leaving Canada.
When evaluating a travel medical insurance plan, you need to ask a lot of questions.
comply with the terms of your policy
It is your responsibility to know and understand the terms of your insurance policy. read the fine print carefully and ask for help if you need it.
The information you provide must be accurate and complete. if you have any questions, contact the insurance company. ask them to send you a written explanation.
Carry your insurance information with you while you travel and leave a copy with a friend or family member at home.
understand possible exclusions
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Get approval from your insurer before undergoing medical treatment. travel health insurance rarely covers routine medical checkups, non-emergency care, and cosmetic surgery. may not cover mental health disorders, drug or alcohol related incidents, or extreme sports such as bungee jumping and rock climbing.
if you need to make a claim
Get a detailed report and bill from your doctor or hospital before you leave the country where you received medical treatment. trying to get the proper paperwork thousands of miles away can be frustrating. Always present original receipts for medical services or prescriptions received abroad. keep a copy of the documents for your records.
check travel advisories
Check travel advice and advisories for your destination twice: once when you’re planning your trip and again just before you leave.
Your insurance company may not pay your medical claim if the Government of Canada has issued a travel advisory for your destination.
if you live or work outside of canada
travel insurance is not intended for use when you live for an extended period or permanently outside of canada. If you live abroad or plan to move to a different country, you should carefully consider your insurance needs. Local law may require you to have health insurance, and you may need to include proof of health insurance with your visa application.
if you study outside of canada
If you are studying outside of Canada or planning to study in another country, please contact your educational institution or program administrator for advice on the coverage you need.
what your travel medical insurance should cover
No matter where you travel, your travel medical insurance policy should always cover the following 3 things:
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1. medical evacuation
make sure your policy covers medical evacuation to canada or the nearest place with adequate medical care. The policy must also cover the costs of a medical escort to travel with you to your final destination.
2. pre-existing medical conditions
ask the company to explain the definition and limitations and restrictions of any pre-existing conditions and tests and treatments you have had.