Eligibility criteria for pregnancy travel insurance

How many weeks pregnant can you get travel insurance?

Most travel insurance providers in Canada offer coverage for pregnant travellers until nine weeks before their due date, usually around the 28th to 32nd week of pregnancy. Therefore, if you plan to travel, it’s best to do so before reaching this stage to secure appropriate travel insurance coverage.

Is pregnancy considered a pre-existing condition?

A normal pregnancy is considered pre-existing for travel insurance if the insured person was pregnant before they bought the policy, or if they became pregnant before their trip starts.

A pre-existing condition is a health issue the traveller had been diagnosed with before they had their insurance policy. It includes health issues like cancer, diabetes, mental health conditions, etc.

Pregnancy is not considered pre-existing if the traveller becomes pregnant after the date their policy starts, which is usually the first day of their trip. For instance, if you’re halfway through your vacation and suddenly find out you’re pregnant, that will not be considered pre-existing and you could be covered for some unexpected healthcare costs if needed.

For normal pregnancies that are pre-existing, no routine care will be covered. You will not be covered for any emergency medical care within nine weeks before or nine weeks after your delivery date.

High-risk pregnancies are also considered pre-existing health conditions, and will not be covered at all.

What labour-related situations are typically excluded from travel insurance for pregnant travellers?

Travel insurance policies typically exclude several labour-related situations for pregnant travellers. Routine prenatal care and standard check-ups are not covered, nor are childbirth costs if delivery occurs during your trip.

Additionally, complications arising from pregnancy within nine weeks before or after the due date are generally excluded from coverage. If your baby is born while travelling, any healthcare needs for the newborn will not be covered under the travel policy, as it only applies to the insured individual.

High-risk pregnancies may also be classified as pre-existing conditions, leading to further exclusions for complications. Lastly, if you need to cancel your trip due to normal pregnancy symptoms like morning sickness, most policies won’t reimburse non-refundable expenses unless you have specific trip cancellation coverage that addresses these issues.

Does travel insurance cover labour or pregnancy-related issues?

Travel insurance can sometimes cover labour or pregnancy-related issues, but it depends on when the travel was booked, how close is your due date, the date you purchased your travel insurance policy, the type of coverage you’ve chosen, and whether the pregnant person is a Canadian resident travelling abroad or a visitor to Canada.

Can you cancel your trip due to pregnancy?

Yes, you may be eligible to cancel your trip due to pregnancy and receive reimbursement for non-refundable expenses. However, this depends on the following conditions:

• You have trip cancellation coverage or cancel-for-any-reason insurance
• The pregnant individual is:
  • You
  • Your spouse
  • A travel companion
  • The spouse or family member of a travel companion
• The pregnancy occurs after the trip is booked
• The pregnancy begins after the insurance policy has been purchased
• The delivery date falls within nine weeks of the scheduled trip
• A doctor advises against travel for the pregnant individual

If these conditions are met, your travel insurance policy can help recover costs associated with flights, accommodation, and other non-refundable expenses. Depending on the policy, it may cover some or all of these costs that would otherwise be lost.

However, in the case of late-term pregnancy, most policies do not cover costs related to routine pregnancy, such as if a doctor advises against travel during the 8th or 9th month as a precaution.

Can you end your trip early because of a pregnancy? 

Trip interruption coverage may kick in if you’re already on your trip but want to end it early and go home because of a pregnancy. But it depends on your specific situation and your insurance provider’s rules.

Let’s say you’re on vacation when you realize you’re pregnant, so you want to go home immediately. Your travel insurance may not cover this if the pregnancy is not yet formally diagnosed or if it’s considered normal. And unless you’re travelling for months, you likely won’t be that heavily impacted.

On the other hand, if your babymoon to the Caribbean goes south and you start experiencing pregnancy complications, travel insurance could help cover both emergency medical costs and trip interruption costs. It can cover the costs of returning home early, as well as any unused portions of your trip.

Which Canadian insurance providers should pregnant travellers consider?

If you’re looking for insurance with pregnancy coverage, you can consider the best Canadian travel insurance companies such as GMS, Destination Canada, Tugo, Allianz Global Assistance, Manulife, etc.

You can compare the best travel insurance quotes from these providers and others right here at PolicyAdvisor!

Frequently asked questions

Will travel insurance cover if you deliver a baby in Canada?

No, if you are a visitor you should not come to Canada to deliver your baby. Healthcare costs will not be covered and your travel insurance will not cover your medical expenses or any expenses incurred by your newborn baby.

The same applies to Canadian citizens and residents who deliver babies abroad. Travel insurance does not cover normal deliveries.

How many months pregnant can you travel?

In general, you can travel up to 36 weeks of pregnancy. This is whether you’re travelling by airplane, by boat, or by car. However, you must bear in mind that:

• Not all travel insurance providers will cover you that close to your expected due date
• Some airlines may not allow you to travel that close to your expected due date
• Your doctor may advise you to hold off on travel

It can be tempting to just hop on the next plane out of here if you’re far out from your due date, but you should consider factors like this before making a decision.

What are the flying restrictions for pregnant women?

Most airlines allow pregnant women to fly up to 36 weeks for single pregnancies and up to 32 weeks for multiples, provided there are no medical complications. After 28 weeks, a medical certificate confirming the due date and fitness to fly may be required. Each airline has its own rules, you need to check with the airline before booking. 

Is a newborn covered under insurance?

Many travel insurance policies for infants only begin covering your baby 90 days after birth, leaving a gap that may be crucial in case of hospitalization needs. To ensure safety, opt for a travel insurance policy that allows adding your baby to the cover immediately after birth, providing comprehensive coverage for any medical emergencies during your trip.

Do I need to tell the airline I’m pregnant?

Yes, it’s recommended to inform the airline if you’re pregnant, especially if you’re in the later stages of pregnancy. Some airlines have specific policies regarding air travel during pregnancy, particularly after 28 weeks, and may require a medical certificate from a doctor confirming you’re fit to fly.

Does pregnancy travel insurance cover multiple pregnancies or high-risk pregnancies?

Pregnancy travel insurance typically covers pregnancy-related complications, but coverage for multiple pregnancies (e.g., twins) or high-risk pregnancies may vary depending on the provider and policy.

Many standard policies exclude coverage for pregnancies beyond a certain week (usually 32-36 weeks), and high-risk pregnancies might require specialized coverage. So, it is best to check policy terms and see what is covered and what is not.

When should you avoid travelling during pregnancy?

You should avoid travelling during pregnancy if you have a high-risk pregnancy, such as a history of complications or multiple pregnancies. It’s also advisable to avoid travel if your healthcare provider advises against it, if you’re experiencing severe symptoms like high blood pressure, or if your destination has limited access to proper medical care.

What is TuGo travel insurance?

TuGo travel insurance is a customizable travel insurance solution that helps protect you against unexpected expenses before and during your trip. It offers optional coverage like baggage insurance, sports & activities coverage, and a reduced stability rider that helps you tailor your coverage according to your specific travel plans.

North American Air Travel Insurance Agents Ltd., doing business as TuGo, develops and distributes these policies, while OneWorld Assist Inc., operating as Claims at TuGo, is TuGo’s claims and assistance provider and administers all claims on TuGo’s behalf.

Key features of TuGo travel insurance

Who is eligible for TuGo travel insurance?

To be eligible for TuGo travel insurance, here are the requirements:

• You are a Canadian resident
• You are not travelling against a physician’s or other registered medical practitioner’s advice
• You have not been diagnosed with a terminal condition
• You are not receiving palliative care, or palliative care has not been recommended

Types of TuGo travel insurance plans

TuGo offers a range of travel insurance options to protect Canadians before and during their trips. Depending on your travel needs, you can choose Emergency Medical Insurance, Trip Cancellation & Trip Interruption Insurance, Canadian Student Plan, or All Inclusive Holiday Package. Most coverages are available as single-trip or multi-trip annual plans, allowing you to select the option that best matches how often you travel.

Emergency Medical Insurance

This is an emergency medical plan that covers expenses if you become sick or injured while travelling. It is available for all ages as a single-trip or a multi-trip plan. This TuGo travel medical insurance offers coverage for emergency hospitalization, physician services, prescription drugs, emergency dental care, medical evacuation and repatriation, paramedical services, and hospital allowances.

Trip Cancellation & Trip Interruption Insurance

This travel insurance plan in Canada, offered by TuGo, protects your prepaid, non-refundable travel expenses if you need to cancel your trip before departure or return home early due to a covered event. It can also reimburse eligible transportation, accommodation, meals, and other interruption-related expenses. It is also available as both a single-trip and multi-trip plan. TuGo also offers a plan that provides coverage for Trip Interruption only. 

Canadian Student Plan

The Canadian student plan is designed for Canadian students aged 40 and under studying outside their home province or territory. This plan provides coverage for emergency medical expenses, along with student-focused benefits such as emergency dental care, paramedical services, repatriation, tutorial assistance, maternity coverage, annual health examinations, and accidental death & dismemberment benefits. 

All Inclusive Holiday Package

This plan is designed for Canadian residents aged 59 years or younger. This single-trip plan bundles emergency medical insurance, trip cancellation and interruption, accidental death & dismemberment, and baggage insurance into one comprehensive package. It is a convenient option for travellers who want broad protection for both medical emergencies and travel-related disruptions in a single policy. 

What is covered under TuGo travel insurance?

TuGo travel insurance provides comprehensive protection against unexpected medical emergencies and travel disruptions. Depending on the plan you choose, your coverage may include the following benefits:

• Emergency medical expenses: Covers eligible hospitalization, physician services, diagnostic tests, and emergency treatment while travelling
• Emergency dental care: Covers eligible emergency treatment for accidental dental injuries
• Prescription drugs: Reimburses eligible medications required to treat a covered medical emergency
• Emergency medical evacuation and repatriation: Covers ambulance services, medical evacuation, and repatriation to Canada
• Trip cancellation and trip interruption: Reimburses eligible travel costs if you need to cancel or cut short your trip due to a covered reason
• Baggage loss, damage, and delay: Optional baggage coverage reimburses the cost of lost, stolen, or damaged baggage
• Paramedical services: Covers eligible treatment from licensed healthcare practitioners, such as physiotherapists and chiropractors
• Hospital allowance and incidental expenses: Covers eligible hospital allowances and certain incidental expenses during a covered medical emergency
• Accidental death & dismemberment (AD&D): Provides a lump-sum benefit for covered accidental death or permanent injuries

TuGo travel insurance plans coverage at a glance

Does TuGo cover adventure sports and activities?

Yes, TuGo offers an optional Sports & Activities Rider that extends coverage for many recreational and adventure activities that are not included under the standard policy. With TuGo’s emergency medical insurance, you can get coverage for activities like hiking, ziplining, bungee jumping, parasailing, mountaineering, and a few other activities. When you add this optional coverage, the premiums may increase, but it can also prevent you from financial worries if an adventure activity gets you injured. 

Does TuGo cover skiing, scuba diving or skydiving?

Yes, TuGo can cover skiing, scuba diving and skydiving, but some higher-risk versions of these activities require its optional Sports & Activities Coverage. This includes backcountry skiing and snowboarding, organized downhill freestyle competitions, skydiving and tandem skydiving, as well as scuba diving or free diving beyond 40 metres. The exact coverage depends on the policy’s terms and conditions.

TuGo travel insurance for pre-existing conditions

TuGo covers eligible stable pre-existing medical conditions, provided you meet the applicable stability period before your policy’s effective date. Here’s how the stability period varies depending on the age and trip length:

The condition must also meet TuGo’s definition of stable, and other policy conditions and exclusions may apply.

What does TuGo travel insurance not cover?

Some of the common exclusions under TuGo travel insurance include:

• Injuries or losses resulting from war, terrorism, or nuclear, chemical, or biological events
• Medical conditions that worsen because you did not follow prescribed treatment or medication
• Claims related to the use of illegal or controlled drugs
• Medical treatment is sought when the primary purpose of the trip is to receive medical care
• Routine pregnancy care, childbirth, or pregnancy-related complications occurring close to the expected delivery date, unless specifically covered
• Elective, cosmetic, experimental, or non-emergency medical treatments and any related complications
• Self-inflicted injuries, suicide attempts, or injuries resulting from criminal or illegal acts
• Medical conditions or symptoms that were reasonably expected to require treatment during the trip

Pros and cons of TuGo travel insurance

TuGo travel insurance offers flexible coverage options, high emergency medical limits, and optional add-ons, but some benefits must be purchased separately, and baggage coverage is not automatically included.

How much does TuGo travel insurance cost?

The cost of the TuGo travel insurance plan ranges between $142.56 and $295 for the trip interruption and cancellation plan. On the other hand, it is between $157 and $662 for a single-trip plan and $149 and $501 for a multi-trip plan $662.02. The actual cost may, however, vary based on the traveller’s age, health condition, plan type, trip duration, trip cost, and a few other factors.

TuGo travel insurance cost (2026):

Disclaimer: Illustrative premiums for single-trip and multi-trip annual Emergency Medical plans ($5 million coverage) and a Trip Cancellation & Trip Interruption plan (based on a $2,000 trip cost). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

How to make a claim with TuGo travel insurance?

To make a claim with TuGo travel insurance, notify TuGo as soon as possible, complete the required claim form, and submit all supporting documents. Here’s a look at the claim process for TuGo travel insurance:

• Notify TuGo as soon as possible by contacting the claims department or opening eligible medical, dental, trip cancellation, or trip interruption claims online
• Complete the claim form and submit all requested supporting documents, including original itemized receipts and any additional documentation required for your claim
• Provide claim-specific documents, such as medical certificates, travel itineraries, cancellation confirmations, or other records, depending on the type of claim (e.g., emergency medical or trip cancellation)
• Submit your claim within the specified period; otherwise, the claim may be denied
• Keep all original receipts and records, as reimbursement is based on original itemized invoices and proof of expenses
• Track the claim status and upload additional documents if required

Please note that additional documentation may be required depending on the type of claim. Emergency medical claims, trip cancellation, and trip interruption claims each have specific documentation requirements outlined in the TuGo policy.

Can you cancel or get a refund on TuGo travel insurance?

Yes, TuGo allows you to cancel your travel insurance policy, but your refund depends on when you cancel, whether your trip has started, and whether you have submitted a claim.

• Within 10 days of purchase (free-look period): You can receive a full refund if you cancel within 10 days of the application date, provided no travel has taken place, and the policy has not expired
• Before your trip begins: If you cancel before the policy’s effective date, you are eligible for a full refund for all plans
• After your trip starts or if you return early: For single-trip plans, you may qualify for a partial refund (less an administration fee). The refund is based on the date you request cancellation or from your return date, provided you submit acceptable proof of return, and your refund request is received within 90 days after the policy expires
• Multi-trip annual plans: If no travel has taken place, you can receive a full refund within 10 days of the application date. After that, you may be eligible for a partial refund (less an administration fee) if you request cancellation within 90 days of the policy’s effective date
• No refund after a claim: Refunds are not available if a claim has been made or will be submitted under the policy. All refund requests made after the policy becomes effective must be submitted in writing 

Does TuGo travel insurance allow automatic extensions?

Yes, TuGo travel insurance automatically extends your coverage in specific situations, such as those listed below:

• Your return is delayed because of a common carrier, such as an airline, train, or bus delay
• You or your travelling companion is hospitalized or medically unfit to travel, and you are unable to return home as originally planned
• You make one unexpected temporary visit to your home province during a single-trip policy. Your coverage remains in effect for the rest of your trip, although no coverage is provided while you are in your home province

What are the deductible options available with TuGo travel insurance?

TuGo offers deductible options of $0, $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000, and $100,000 for Emergency Medical coverage only. When you choose a higher deductible with TuGo, it can lower the premium, while a lower deductible means paying less out of pocket if you make an eligible claim. The deductible you select applies to eligible Emergency Medical expenses before TuGo pays the covered portion of a claim.

How does TuGo compare to other travel insurance providers?

TuGo stands out for its customizable travel insurance plans, allowing travellers to enhance their coverage with optional add-ons such as Sports & Activities, Rental Car Protection, Baggage Insurance, and the Reduced Stability Rider for eligible pre-existing medical conditions. 

Unlike many insurers that offer fixed deductibles, TuGo lets you choose from multiple deductible options, helping you balance your premium and out-of-pocket costs. To see how TuGo compares with other leading insurers, explore our guide to the best travel insurance companies in Canada.

Is TuGo travel insurance worth it in 2026?

Yes, TuGo travel insurance is a good choice for all kinds of travellers, whether they are going for a short trip or a long family vacation. Its range of coverage options and optional benefits can make it suitable for some travellers.

TuGo may be a good fit if: 

• You plan to participate in certain adventure sports or activities and want the option to add Sports & Activities Coverage
• You have a stable pre-existing medical condition and meet TuGo’s applicable stability-period requirements
• You want flexible travel insurance options with different coverage limits, deductibles, and policy types to match your trip

TuGo may not be the best fit if:

• You want baggage coverage automatically included with your Trip Cancellation & Trip Interruption policy
• You need coverage for a pre-existing condition that does not meet TuGo’s stability requirements

Our advisor’s take on TuGo travel insurance

Our expert and licensed advisors at PolicyAdvisor help travellers compare travel insurance plans based on their destination, trip duration, medical history, and budget. One of our advisors recently assisted a 38-year-old Canadian planning a week-long adventure trip to the US who wanted emergency medical coverage along with protection for adventure activities. The client was travelling to the US to explore Yellowstone National Park and do skiing and snowmobile expeditions around the area.

Client profile:

• Age: 38 years old, Canadian resident
• Trip duration and type: A week-long adventure vacation to the US
• Primary concern: Emergency medical coverage with protection for adventure activities
• Our comparison: After comparing travel insurance plans from multiple providers, we recommended TuGo Emergency Medical Insurance with the Sports & Activities Rider. TuGo is one of the very few insurers in Canada that provides optional coverage for many adventure sports at affordable premiums

Why we recommended TuGo:

• Customization through riders: Along with coverage for the Sports & Activities Rider, TuGo also offers other optional riders such as Reduced Stability, Rental Car Protection, and Baggage Insurance, allowing travellers to tailor coverage based on their itinerary and risk profile
• Coverage for pre-existing conditions: TuGo, in addition to providing coverage for stable pre-existing medical conditions, also offers a Reduced Stability Rider. This makes it a strong option for travellers whose pre-existing medical conditions may not meet the standard stability requirements
• Flexible deductible options: With the Emergency Medical Plan, TuGo lets you choose from $0 to $100,000 deductibles. Selecting a higher deductible can help lower your premium, giving you more control over the cost of your coverage

If you are unsure whether TuGo, Allianz, or another travel insurance provider is right for your trip, speak with a licensed PolicyAdvisor expert. We will compare plans from Canada’s leading insurers to help you find the right balance of coverage, flexibility, and price. Schedule a call now!

Frequently asked questions

Can I customize my TuGo travel insurance policy?

Yes, TuGo allows you to customize your policy with optional add-ons, including Baggage Insurance, Rental Car Protection, Sports & Activities coverage, and a Reduced Stability Rider. You can also choose from multiple deductible options to customize your TuGo travel medical insurance.

What is the maximum emergency medical coverage offered by TuGo?

TuGo’s Emergency Medical Insurance provides up to $5 million in emergency medical coverage for eligible travellers. The Canadian Student Plan offers up to $2 million in emergency medical coverage.

Does TuGo travel insurance automatically extend my coverage?

Yes, TuGo travel insurance may be extended automatically. The insurer lets you extend your policy if you are medically unfit to travel, you or your travelling companion is hospitalized, or your return is delayed by a common carrier, subject to the policy terms and conditions.

Can I buy TuGo travel insurance after I have left Canada?

Yes, in many cases you can buy TuGo travel insurance after leaving Canada. But a 48-hour waiting period applies when you buy after departure. That means your coverage won’t begin right away, so buy before you leave to be protected from day one.

How long does a TuGo travel insurance claim take?

It typically takes 2 weeks for TuGo to process travel insurance claims, once all the documents are processed. You should inform TuGo as early as possible about the claim to avoid any delays in the processing of your claim. 

Is TuGo travel insurance good for seniors?

Yes, TuGo travel insurance is a good choice for seniors. Offering coverage of up to $5 million and optional coverage of up to $5 million in emergency medical coverage, along with options such as coverage for eligible pre-existing medical conditions and customizable deductibles, it offers flexibility. However, please note that seniors aged 60 and older are subject to a 180-day stability period.

Does TuGo cover baggage automatically?

No, baggage coverage is not automatically included with TuGo’s Emergency Medical Insurance or Trip Cancellation & Trip Interruption plans. You can purchase Baggage Insurance as an optional add-on, while it is included with TuGo’s All Inclusive Holiday Package and Non-Medical Package.

Can I choose a deductible with TuGo?

Yes, TuGo lets you choose from several deductible options for Emergency Medical Insurance. The available deductible options range from $0 to $100,000, including $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000, and $50,000.

What is MSH International travel insurance?

MSH International travel insurance is an emergency medical insurance offered by MSH International Canada that protects eligible Canadian residents against unexpected medical emergencies while travelling outside their home province, including international travel. It offers travel insurance for Canadians through its Canuck Voyage policy, which includes both single-trip and annual multi-trip plans, allowing travellers to choose coverage based on how often and how long they travel. The coverage is designed for emergency treatment only and is subject to policy terms, eligibility requirements, exclusions, and pre-existing condition stability rules.

Key features of MSH travel insurance

Who is eligible for MSH International travel insurance?

To get an MSH travel insurance policy, you must:

• Be a Canadian resident covered by your government health insurance plan for the entire duration of your trip
• Purchase coverage for the entire duration of your trip
• Be at least 15 days of age and under 80 years of age
• Be travelling for no more than 35 days if you are between 60 and 79 years of age

Who is not eligible for MSH travel insurance?

You are not eligible to buy MSH International travel insurance if you are:

• Travelling against the advice of a physician
• Diagnosed with a terminal illness
• If you are between 60 and 79 years of age, have been diagnosed with congestive heart failure or have an unrepaired aneurysm measuring 4.5 cm or more
• Experiencing new or undiagnosed symptoms or know of any reason to seek medical attention
• Travelling to obtain medical treatment outside your province or territory of residence, whether or not your attending physician recommends it
• Using or having been prescribed home oxygen during the 12 months before the effective date
• Require assistance with the activities of daily living

Types of MSH International travel insurance plans

MSH Travel Insurance offers flexible travel medical coverage through the Canuck Voyage plan, allowing Canadian travellers to choose between single-trip and multi-trip annual coverage based on their travel frequency.

• Single-trip plan: Covers one trip outside your home province or territory of residence for the duration selected at the time of purchase. Depending on age, travellers can purchase coverage for trips of up to 365 days (up to age 59) or 35 days (ages 60-79)
• Annual Multi-trip plan: Designed for frequent travellers, this plan covers multiple trips within a 12-month policy period without requiring a new policy for every journey. Travellers can choose trip duration limits of 5, 10, 20, 35, 50, 65, or 100 days per trip, while receiving the same emergency medical benefits available under the single-trip plan
• Top-up plan: MSH also offers a top-up coverage for travellers whose trip extends beyond the coverage period of an existing MSH multi-trip annual plan or another eligible travel insurance policy. The top-up policy provides additional travel medical coverage for the remaining days of the trip, provided it is purchased before the existing coverage expires and all eligibility requirements are met

What is covered under the MSH International travel insurance policy?

Here are the key benefits included under the Canuck Voyage policy:

• Emergency medical treatment: Covers eligible emergency medical expenses if you become unexpectedly sick or injured while travelling, with coverage of up to $7 million per insured person, per trip
• Hospitalization and physician services: Hospital stays, emergency room visits, physician care, nursing, and other eligible medical services
• Emergency medical transportation: Ambulance, hospital transfers, medical evacuation, and repatriation to Canada
• Prescription medications: Covers eligible prescription drugs required for emergency treatment, generally up to a 30-day supply, with exceptions while hospitalized
• Emergency dental treatment: Includes up to $5,000 for accidental dental injuries and up to $500 for emergency dental pain requiring immediate treatment
• Paramedical services: Eligible physiotherapy, chiropractic care, acupuncture, and other licensed treatments
• Meals and accommodation: Eligible expenses if your return is delayed due to a covered medical emergency
• Transportation to bedside: Economy airfare and accommodation for a family member or companion
• Repatriation of remains: Covers eligible costs to return your remains to Canada or provides a benefit for cremation or burial at the place of death
• Additional travel assistance benefits: Pet return, vehicle return, return of dependent children, travel companion, and excess baggage return
• Identity fraud recovery: Provides financial assistance for eligible legal and administrative expenses related to identity fraud during your trip

MSH travel insurance coverage at a glance

What is not covered under MSH International travel insurance?

Here is a list of the common exclusions of the MSH International travel insurance policy:

• Unstable pre-existing medical conditions that do not meet the required stability period before your policy starts
• Non-emergency medical treatment, including routine care, elective procedures, cosmetic treatments, and ongoing treatment for chronic conditions
• Travelling against a physician’s advice or travelling after being diagnosed with a terminal illness
• Medical treatment that can reasonably be delayed until you return to your home province or territory
• Symptoms or medical conditions that you ignored or did not seek timely medical treatment for when a reasonable person would have
• Claims related to alcohol, illegal drugs, or other intoxicants that contributed to the illness, injury, or loss
• Routine pregnancy care, childbirth, and related complications occurring within nine weeks before or after the expected delivery date
• High-risk or extreme sports, such as mountaineering, skydiving, hang gliding, bungee jumping, professional sports, motorized racing, and certain scuba diving activities
• Travel to destinations with a Government of Canada ‘Avoid All Travel or Avoid Non-Essential Travel advisory’
• Losses resulting from illegal acts, self-inflicted injuries, war, terrorism, or nuclear, chemical, or biological events

Pros and cons of MSH International travel insurance

How much does MSH International travel insurance policy cost?

MSH travel insurance premiums typically range from $111 to $898.50, depending on your age, trip duration, and whether you choose a single-trip or multi-trip annual plan with coverage for eligible pre-existing medical conditions.

The table below shows sample premium estimates for a Single-Trip plan and an Annual Multi-Trip plan with a 20-day per-trip limit.

Disclaimer: Premiums shown are sample estimates and may change based on the traveller’s age, trip details, coverage options, destination, deductible selected, and underwriting criteria

How to make a claim with MSH International travel insurance?

You need to follow these steps to file a claim against your MSH International travel insurance policy:

• Notify Intrepid 24/7™ and submit your claim within 30 days of the first medical expense
• Complete and submit the claim form. Please note that you will have to fill out for each illness or injury
• Submit all the original documents from the approved medical providers, along with prescription drug receipts and proof of departure and return date
• Sign and return the authorization form for MSH to coordinate payments with your provincial health insurance plan, if applicable
• Once all the pending documents and claim forms have been submitted, track the claim status on the MSH website

Can you cancel or get a refund on MSH travel insurance?

Yes, MSH Travel Insurance offers both full and partial refunds, provided you meet the policy conditions.

• Full refund (10-day free-look period): Cancel within 10 days of receiving your policy, before your trip starts, and provided no claim has been or will be made
• Full refund before coverage begins: You can receive a full premium refund if you submit a written cancellation request before the policy’s effective date. Refund requests must be submitted in writing within 60 days of the policy’s expiry date
• Partial refund: If you return home earlier than planned, you may receive a prorated refund, less a $25 administration fee, provided no claims were made during the coverage period
• Family policies: Refunds are available only if all insured travellers under the policy qualify for a refund.
• Annual Multi-Trip plans: Refunds are available only if the request is made before the effective date or if no travel has taken place

Does MSH travel insurance allow automatic extensions?

Yes, MSH allows you to extend your Canuck Voyage travel insurance automatically in specific situations if your return is unexpectedly delayed.

Automatic extensions are available if:

• Your flight or other common carrier is delayed due to circumstances beyond your control
• You are medically unfit to travel because of a covered sickness or injury before your policy expires
• You, your immediate family member, or your travel companion is hospitalized at the end of the trip. In this case, coverage continues throughout the hospitalization, plus up to 5 days after discharge

How does MSH International compare to other travel insurance providers?

MSH International Travel Insurance stands out for its up to $7 million in emergency medical coverage, flexible Single-Trip and Annual Multi-Trip plans, and travel assistance benefits that are not commonly included with many travel medical insurance plans, such as identity fraud recovery, vehicle return, pet return, and automatic policy extensions.

Eligible travellers may also qualify for family rates and 5% companion savings. However, if you are comparing travel insurance companies based on pricing, trip cancellation benefits, baggage coverage, or coverage for seniors, it is worth reviewing multiple insurers before choosing a policy. Read our guide to the best travel insurance companies in Canada to compare top providers side by side.

Our advisor’s take on MSH International travel insurance

One of our advisors recently assisted a 55-year-old Canadian traveller planning multiple business and leisure trips throughout the year who wanted high emergency medical coverage with the flexibility of an annual plan.

Client profile:

• Age: 55-year-old Canadian resident
• Trip duration and type: Multiple international trips throughout the year for both work and personal travel
• Primary concern: Finding flexible annual travel medical coverage with high coverage that would cover multiple trips throughout the year
• Our comparison: We compared travel medical insurance plans from several Canadian providers and recommended MSH’s Canuck Voyage Travel Insurance. While many insurers offer bundled travel insurance with trip cancellation and baggage coverage, MSH stood out for its up to $7 million in emergency medical coverage, multi-trip options ranging from 5to 100 days per trip, and additional travel assistance benefits that go beyond standard emergency medical coverage

Why we recommended MSH Travel Insurance:

• Offers a top-up coverage option for multi-trip plans
• Includes automatic policy extensions for eligible travel delays and 24/7 Intrepid 24/7™ emergency assistance with medical coordination and direct billing where available
• Provides an additional 5% companion savings and family rates to help you save on premiums
• Includes additional travel assistance benefits such as identity fraud recovery, vehicle return, pet return, and return to your original trip destination

If you are considering MSH Travel Insurance, our licensed PolicyAdvisor experts can compare it with other leading Canadian insurers and recommend the best option based on your destination, trip length, and budget. Schedule a call today!

Frequently asked questions

Is MSH Travel Insurance good?

Yes, MSH Travel Insurance is a good option for Canadians looking for emergency medical coverage while travelling. It offers up to $7 million in emergency medical coverage, flexible Single-Trip and Annual Multi-Trip plans, 24/7 emergency assistance, and coverage for eligible stable pre-existing medical conditions.

Does MSH Travel Insurance cover pre-existing medical conditions?

Yes, MSH Travel Insurance covers eligible stable pre-existing medical conditions. The required stability period ranges from 30 to 180 days, depending on the traveller’s age and, in some cases, trip duration. Any condition that does not meet the stability requirements is generally excluded.

Does MSH Travel Insurance offer annual multi-trip coverage?

Yes, MSH offers an annual multi-trip plan that covers multiple trips during a 12-month policy period. You can choose trip duration limits of 5, 10, 20, 35, 50, 65, or 100 days per trip.

Can I extend my MSH Travel Insurance policy?

Yes, MSH automatically extends coverage for up to 5 days if your return is delayed due to a covered travel delay, a covered sickness or injury that makes you unfit to travel, or hospitalization. Longer trips may also be covered through an eligible top-up coverage if purchased before your existing coverage expires.

Does MSH Travel Insurance cover trip cancellation?

No, MSH’s Canuck Voyage policy is primarily an emergency medical travel insurance plan. It does not include trip cancellation or trip interruption benefits, so travellers who need those coverages should compare other travel insurance plans before purchasing.

What is 21st Century Medicare International travel insurance?

21st Century Medicare International travel insurance is a range of travel insurance plans aimed at protecting Canadians travelling outside their home province or Canada from unexpected medical emergencies and travel-related disruptions.

Depending on the policy you choose, coverage may include emergency medical treatment, trip cancellation and interruption, baggage protection, travel accident coverage, and 24/7 emergency assistance services. Additionally, the choice between medical and non-medical plans allows travellers to select a plan that works best for them.

21st Century Medicare International travel insurance: At a glance

Types of travel insurance plans offered by 21st Century Medicare International travel insurance

21st Century Medicare International Travel Insurance offers a wide range of plans for travelling Canadians. Depending on how often you travel, you can choose between Single-trip and Multi-trip coverage for your trips. Whether you’re taking a single vacation or travelling multiple times a year, the insurer offers plans that meet different travel needs and budgets.

Additionally, the insurer provides both medical and non-medical plans, allowing applicants to choose what works best for them. Meanwhile, the All-Inclusive plans combine medical and non-medical plans to offer a comprehensive package that includes emergency medical coverage alongside trip interruption, baggage, travel delay, and other non-medical benefits.

Here’s an overview of the different 21st Century travel insurance plans:

Emergency medical plans

Emergency Medical plans protect travellers against unexpected medical emergencies while travelling. Depending on your travel frequency and medical history, 21st Century offers two different plans to choose from:

• Single-Trip Emergency Medical
• Multi-Trip Emergency Medical

Here’s a quick comparison of the emergency medical plans offered by 21st Century Medicare International Travel Insurance:

Non-medical plans

Non-medical plans help travellers who already have emergency medical coverage or only want protection for prepaid travel expenses. 21st Century Travel Insurance offers a standalone Trip Cancellation & Interruption plan that reimburses eligible costs if a covered event cancels, interrupts, or delays your trip due to a covered event.

Here’s a quick overview of the Trip Cancellation & Interruption plan offered by 21st Century Travel Insurance:

All-inclusive plans

All-Inclusive plans combine emergency medical insurance with trip cancellation, trip interruption,  and travel accident coverage into a single comprehensive policy. These plans are ideal for travellers looking for broader protection throughout their trip. 

21st Century Travel Insurance offers two All-Inclusive plans, depending on how often you travel:

• Single-Trip All-Inclusive
• Multi-Trip All-Inclusive

Here’s an overview of the Single-Trip All-Inclusive and Multi-Trip All-Inclusive plans offered by 21st Century Medicare International Travel Insurance:

Pros and Cons of 21st Century Medicare International Travel Insurance

Does 21st Century offer family travel insurance?

Yes, 21st Century offers family coverage on eligible travel insurance plans for Canadians. The insurer offers a family coverage option on the Single Trip Emergency Medical and the Multi-Trip Emergency Medical plans. Families can insure eligible members under the same policy provided they meet the plan’s eligibility requirements and satisfy the insurer’s underwriting conditions where applicable.

To qualify for family coverage:

• All family members must be listed on the policy confirmation.
• Each insured must be at least 30 days old and under 60 years of age.
• Each traveller must be covered under a valid provincial or territorial Government Health Insurance Plan (GHIP)
• All family members must have the same coverage start and end dates.
• All applicable premiums must be paid

Keep in mind that additional plan-specific conditions may apply. Refer to policy documentation for the full list of requirements.

Who is eligible for 21st Century Travel Insurance?

Any Canadian resident with active provincial or territorial health coverage who is travelling outside their home province or outside Canada and who meets 21st Century’s requirements can purchase these travel insurance plans. However, coverage eligibility, age restrictions, medical stability requirements, and policy exclusions vary by plan and chosen riders.

Here’s an overview of the general eligibility requirements for the different 21st Century Travel Insurance plans:

Note: Refer to the policy wording for the full list of eligibility requirements, exclusions, and limitations.

How much does 21st Century travel insurance cost?

The cost of 21st Century Medicare International travel insurance ranges between $46.50 and $1386.30, based on the stability of any pre-existing condition. Additionally, your premium depends on your plan, duration, and the riders you select with your policy.

Here’s a sample travel insurance premium for a traveller on a trip for 15 days:

Disclaimer: Illustrative premiums for single-trip and multi-trip annual Emergency Medical plans ($10 million coverage). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

Are there any exclusions or limitations to 21st Century Travel Insurance? 

Yes, there are certain exclusions and limitations to the different plans of 21st Century Medicare International travel insurance. While the plans offer comprehensive emergency coverage, the insurer does not cover certain conditions and situations.

Here’s an overview of the general exclusions and limitations of 21st Century travel insurance:

Note: This list summarizes the most common exclusions found across 21st Century travel insurance plans. Coverage varies by plan and policy wording, so it is recommended to refer to your policy for the complete list of exclusions, limitations, and definitions.

How to file a claim with 21st Century Medicare International travel insurance?

If you experience a medical emergency or another covered loss during your trip, contact the 21st Century Assistance Centre as soon as possible to begin the claims process.

Here’s how you can file a claim with 21st Century during your trip:

• Contact the Assistance Centre immediately: Contact the Assistance Centre in Canada and the United States at 1-855-478-3484, and internationally at +1 (519) 251-7851. You must contact the Assistance Centre before receiving emergency treatment whenever possible. Failure to notify the Assistance Centre within 24 hours may result in you being responsible for 20% of eligible expenses
• Obtain pre-approval: Certain medical services and benefits require prior authorization through the Assistance Centre. If you do not obtain pre-approval when required, the insurer may deny your claim
• Submit your claim: After you report your claim, the Assistance Centre will furnish forms for proof of claim within 15 days after receiving notice of claim. You can visit the online portal at https://manulife.acmtravel.ca to submit your claim online or mail the documents to them.
• Submit proof of claim: Submit all claims within 30 days, and any documentation must be given within 90 days of the illness or injury.

Can you cancel or get a refund on 21st Century travel insurance?

Yes, 21st Century allows policy cancellations and refunds under certain circumstances. Your refund eligibility depends on the type of policy purchased, whether coverage has started, and whether a claim has been made.

Here is the 21st Century Medicare International travel insurance refund policy at a glance:

Note: Refer to the policy wording for the complete refund terms, conditions, and eligibility requirements. Additionally, the minimum refundable amount is $10. Refunds below this amount are not issued.

Can you extend 21st Century travel insurance coverage?

If your trip lasts longer than originally planned, you may be able to extend or top up your 21st Century travel insurance coverage before your policy expires. However, extensions are subject to approval and must meet all necessary eligibility requirements.

Here’s what you need to know about extending your 21st Century Medicare International travel insurance policy:

• Apply before your policy expires: Extension requests must be submitted before your existing coverage ends.
• No lapse in coverage: Your extension request must ensure continuous coverage with no gap between policies
• No existing or pending claims: Extensions are generally only available if no event has occurred that has resulted in or may result in a claim.
• No change in health: You must confirm there has been no change in your health since purchasing the policy.
• Approval is required: All extensions are subject to approval by 21st Century

Additionally, 21st Century travel insurance also offers automatic extensions in certain situations. Your coverage may automatically extend for up to 72 hours if your common carrier is delayed, you are hospitalized on your expiry date, or for up to 5 days if a covered medical emergency prevents you from returning home as scheduled, subject to policy limits.

How does 21st Century compare to other travel insurance providers?

21st Century offers a broad selection of travel insurance plans, including Emergency Medical, All-Inclusive, and Trip Cancellation & Interruption coverage, so travellers can choose the level of protection that best fits their needs.

The plans include up to $10 million in emergency medical coverage on eligible plans, Single Trip coverage for trips of up to 365 days, annual Multi Trip options for frequent travellers, and flexible deductible choices to help customize premiums. These features make 21st Century a strong option for Canadians looking for emergency medical or comprehensive travel insurance.

For a detailed comparison of the best travel insurance plans, check out our list of the Best travel insurance companies in Canada

Our advisor’s take on 21st Century travel insurance

At PolicyAdvisor, we recently assisted a 67-year-old retiree planning a five-month winter vacation in Arizona. The individual was seeking comprehensive travel insurance that would cover emergency medical expenses while also protecting their prepaid travel costs in case their plans changed.

The client profile

• Age: 67 years
• Purpose of travel: Five-month winter vacation in the United States
• Primary concern: Finding affordable travel insurance with high emergency medical coverage and protection for prepaid travel expenses during a longer trip
• Coverage needed: Single-Trip All-Inclusive travel insurance

Why we recommend 21st Century Travel Insurance

We recommended this plan because it offers:

• Up to $10 million in emergency medical coverage on eligible plans
• Single Trip coverage for trips of up to 365 days
• Comprehensive All-Inclusive options that combine medical and travel-related benefits
• 24/7 worldwide emergency assistance
• Flexible deductible options to help manage premiums

How to purchase 21st Century travel insurance in Canada

PolicyAdvisor’s licensed travel insurance advisors can help you compare 21st Century Travel Insurance plans based on your destination, trip duration, age, medical history, and coverage needs.

Whether you are heading abroad for a vacation or planning multiple trips throughout the year, our advisors at PolicyAdvisor can guide you through 21st Century’s coverage options and policy limits to help you purchase the right travel insurance.

Frequently Asked Questions

Does 21st Century travel insurance cover pre-existing medical conditions?

Yes, some 21st Century travel insurance plans cover stable pre-existing medical conditions if you meet the applicable stability requirements.

Does 21st Century travel insurance cover trip cancellation?

Yes, trip cancellation coverage is available through 21st Century’s Stand-alone Trip Cancellation & Interruption and All-Inclusive plans. Benefits are payable if you cancel or interrupt your trip for a covered reason as per the policy.

How much travel medical coverage does 21st Century travel insurance provide?

Coverage limits vary by plan. Depending on the policy you purchase, 21st Century offers emergency travel medical coverage of up to $10 million for eligible medical emergencies while travelling.

Does 21st Century travel insurance cover baggage loss or delays?

Yes, but only under plans that include travel benefits, such as the All-Inclusive and Non-Medical Trip Interruption plans.

Does 21st Century travel insurance offer Cancel for Any Reason (CFAR) coverage?

No, 21st Century travel insurance plans do not offer Cancel for Any Reason (CFAR) coverage as a benefit or rider.

What is Manulife travel insurance?

Manulife CoverMe travel insurance offers a range of travel insurance plans aimed at protecting Canadians travelling outside their home province or Canada from unexpected medical emergencies and travel-related disruptions. 

Depending on the travel insurance plan you choose, you can receive coverage for emergency medical expenses, trip cancellation and interruption, baggage loss or delay, travel accidents, and other eligible travel-related expenses

Manulife CoverMe travel insurance: At a glance

Types of travel insurance plans offered by Manulife

Manulife CoverMe offers a wide range of travel insurance plans for travelling Canadians. Whether you’re taking a single vacation or travelling multiple times a year, the insurer offers plans designed for different travel needs and budgets. 

Here’s an overview  of different Manulife travel insurance plans:

Medical plans

Medical plans help Canadians protect themselves against emergency medical expenses while travelling. Depending on your travel frequency and medical history, Manulife offers three different plans to choose from:

• Single-Trip Emergency Medical Plan
• Multi-trip Emergency Medical Plan
• TravelEase® Plan for Pre-Existing Conditions

Here’s a quick comparison of the two single-trip medical plans offered by Manulife CoverMe travel insurance:

Non-medical plans

Manulife also offers non-medical plans to travellers who already have medical insurance or only want protection for trip cancellations, baggage, and travel disruptions.

Manulife offers the following plans:

• Trip Cancellation & Interruption
• Non-Medical Inclusive

Here’s a quick comparison of the two single-trip non-medical plans offered by Manulife CoverMe travel insurance:

All-inclusive plans

All-inclusive plans combine medical and non-medical plans to offer a comprehensive package that covers emergency medical coverage alongside trip interruption, baggage, travel delay, and other non-medical benefits. 

Depending on the frequency of your travel, Manulife offers the following All-Inclusive plans:

• Single Trip All-Inclusive Plan
• Multi-Trip All-Inclusive

Here’s a quick comparison of the two All-inclusive plans offered by Manulife CoverMe travel insurance:

Note: Manulife also offers Youth All-Inclusive and Youth Deluxe All-Inclusive plans for travellers aged 29 and under. The Youth All-Inclusive plan covers trips of up to 365 days, while the Youth Deluxe All-Inclusive plan covers trips of up to 30 days. These plans provide discounted comprehensive travel insurance with emergency medical and non-medical coverage, making them a cost-effective option for eligible young travellers.

Pros and Cons of Manulife CoverMe Travel Insurance

Does Manulife offer family travel insurance?

Yes, Manulife offers family coverage on eligible travel insurance plans for Canadians. The insurer offers a family coverage option on Single-trip Emergency Medical, Single-trip All-Inclusive, Non-Medical Inclusive, and Multi-trip Emergency Medical plans. You can insure eligible family members under a single policy if they meet the plan’s requirements.

To be eligible for Manulife’s Family Coverage option:

• All family members must be named on the policy confirmation
• Insured family members must be under 60 years of age
• You must meet all of the plan’s eligibility requirements when purchasing the policy
• The family premium must be paid
• For Single-trip and Non-Medical Inclusive plans, family members must travel together

Who is eligible for Manulife CoverMe travel insurance?

Canadian residents with active provincial or territorial health coverage, at least 30 days of age, travelling outside their home province or outside Canada, and who meet the requirements for Manulife are eligible for the travel insurance plans. However, coverage eligibility, age restrictions, medical stability requirements, and policy exclusions vary by plan and chosen riders.

Here’s an overview of the general eligibility requirements for the different Manulife CoverMe travel insurance plans:

Note: Refer to the policy wording for the full list of eligibility requirements, exclusions, and limitations.

Who is not eligible for Manulife travel insurance?

While Manulife CoverMe travel insurance is available to many Canadian travellers, certain restrictions related to health and travel can prevent applicants from getting coverage under Manulife travel insurance or require medical underwriting, depending on the plan you choose.

You may not be eligible for Manulife travel insurance under the following circumstances:

• Have been advised by a physician not to travel.
• Have been diagnosed with a terminal illness with a life expectancy of less than six months.
• Have a kidney condition that requires dialysis.
• Have used home oxygen for a lung condition within the 12 months before applying for insurance.
• Are 60 years of age or older and do not meet the eligibility requirements in the required medical questionnaire for applicable plans (such as Multi-trip All-Inclusive)

Additionally, medical underwriting plans, such as TravelEase®, have the following restrictions:

• Awaiting investigative tests or treatment for an unresolved medical condition (excluding genetic tests)
• Require kidney dialysis or prescribed home oxygen for a lung condition within 12 months before applying
• Had or are awaiting an organ, stem cell, or bone marrow transplant
• Have metastatic cancer or a terminal illness with a life expectancy of less than six months

How much does Manulife travel insurance cost?

The cost of Manulife CoverMe travel insurance ranges between $137.10 and $1,455.90, based on the stability of any pre-existing condition. Additionally, your premium depends on your plan, duration, and the riders you select with your policy. 

Here’s a sample travel insurance premium for a traveller on a trip for 15 days:

Disclaimer: Illustrative premiums for multi-trip annual Emergency Medical plans ($10 million coverage). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

Are there any exclusions or limitations to Manulife travel insurance?

While the plans offer comprehensive emergency coverage, certain conditions and situations like medical tourism, high-risk activities, and substance abuse are excluded or limited under the policy.

Here’s an overview of the general exclusions and limitations of Manulife CoverMe travel insurance:

Note: This list summarizes the most common exclusions found across Manulife travel insurance plans. Coverage varies by plan and policy wording, so it is recommended to refer to your policy for the complete list of exclusions, limitations, and definitions.

How to file a claim with Manulife travel insurance? 

If you experience a medical emergency or another covered loss during your trip, contact the Manulife Assistance Centre as soon as possible to begin the claims process. All CoverMe plans offer support through the Manulife TravelAid app, online, or by mail

Here’s how you can file a claim with Manulife during your trip:

• Contact the Assistance Centre immediately: You can contact the Assistance Centre in Canada and the United States at 1-888-881-8010 and internationally at +1-519-945-8346; failure to notify the Assistance Centre within 24 hours may result in you being responsible for 25% of eligible expenses
• Obtain pre-approval: You must obtain prior authorization for certain medical services and benefits through the Assistance Centre. If pre-approval is not obtained, your claim may not be covered
• Submit your claim: You can submit your claim using the Manulife TravelAid mobile app, online at manulife.acmtravel.ca, or by mailing your completed claim form
• Gather supporting documents: You may need to submit itemized medical bills, payment receipts, and other documents; keep them handy and submit them when requested
• Submit proof of claim: Submit all claim documentation within 90 days of the illness or injury, and expenses must be submitted to Manulife within 12 months of the date of the last eligible expense

Can you cancel or get a refund on Manulife travel insurance?

Yes, Manulife CoverMe travel insurance allows policy cancellations and refunds under certain conditions. It depends on whether coverage has started, whether a claim has been filed, and the reason for cancellation. 

Here is the Manulife travel insurance refund policy at a glance:

Note: Refer to the policy wording for the complete refunds terms, conditions, and eligibility requirements.

Can you extend Manulife travel insurance coverage?

If your trip lasts longer than originally planned, you may be able to extend or top up your Manulife travel insurance coverage before your policy expires. However, extensions are subject to approval and must meet all necessary eligibility requirements.

Here’s what you need to know about extending your Manulife CoverMe travel insurance policy:

• Request an extension before your policy expires: Contact Manulife before your coverage end date to request an extension. You cannot extend your coverage after your policy expires
• Remain eligible for coverage: You must still meet the policy’s eligibility requirements at the time of the extension request. Depending on the plan, you may also need to confirm that there has been no change in your health
• Purchase top-up coverage (Multi-trip plans): If your trip exceeds your plan’s maximum trip duration or extends beyond the policy expiry date, you may purchase top-up coverage for the additional travel days by contacting Manulife
• Receive confirmation of your new coverage period: Your policy extension is not effective until Manulife approves the request and issues confirmation of the revised expiry date

How does Manulife compare to other travel insurance providers?

While many of Canada’s leading travel insurers offer similar emergency medical and trip cancellation coverage, Manulife stands out for its broad range of travel insurance plans, high emergency medical coverage limits, and options for different types of travellers.

With up to $10 million in emergency medical coverage and specialized coverage for eligible travellers with pre-existing medical conditions through its TravelEase® plans, Manulife offers comprehensive coverage options for travellers with different needs. The 24/7 emergency assistance, TravelAid mobile app, and top-up options also offer beneficial support to Canadians visiting different countries.

For a detailed comparison of the best travel insurance plans, check out our list of the Best travel insurance companies in Canada

Our advisor’s take on Manulife travel insurance

At PolicyAdvisor, we recently helped a 45-year-old Canadian planning several international vacations over the next year. They wanted a travel insurance plan that would provide comprehensive emergency medical protection while also covering trip cancellations, baggage issues, and travel delays. Since they were planning multiple trips, they were seeking a plan that offered flexibility and value.

The client profile

• Age: 45 years old
• Purpose of travel: Multiple international leisure trips throughout the year
• Primary concern: Comprehensive coverage for medical emergencies and travel disruptions under one policy
• Coverage needed: Multi-trip All-Inclusive plan with 30-day coverage per trip

Why we recommend Manulife travel insurance

We recommended the plan because it includes:

• Up to $10 million emergency medical coverage for eligible unexpected illnesses and injuries while travelling
• Comprehensive protection for trip cancellations, interruption benefits, baggage loss or delay, and travel accidents
• 24/7 emergency travel assistance through the Manulife Assistance Centre and TravelAid app
• Optional top-up coverage for trips exceeding the selected maximum trip duration

How to purchase Manulife travel insurance in Canada?

PolicyAdvisor’s licensed advisors can help you compare Manulife travel insurance plans based on your travel destination, trip duration, age, health history, and coverage needs. Our advisors can help you compare plans from leading travel insurance providers and choose a plan that best fits your travel needs.

Whether you are heading abroad for a vacation or planning multiple trips throughout the year, our advisors at PolicyAdvisor can guide you through Manulife’s coverage options and policy limits to help you purchase the right travel insurance.

Frequently Asked Questions

Does Manulife travel insurance cover pre-existing medical conditions?

Yes, some Manulife CoverMe travel insurance plans cover eligible stable pre-existing medical conditions if you meet the applicable stability requirements. Travellers with certain pre-existing medical conditions may also qualify for coverage through Manulife’s TravelEase® for Pre-Existing Conditions plan.

Does Manulife travel insurance cover trip cancellation?

Yes, trip cancellation coverage is available through Manulife’s Trip Cancellation & Trip Interruption and All-Inclusive plans. Benefits are payable if you cancel or interrupt your trip for a covered reason as per the policy.

How much travel medical coverage does Manulife provide?

Coverage limits vary by plan. Depending on the policy you purchase, Manulife offers emergency travel medical coverage of up to $10 million for eligible medical emergencies while travelling.

Does Manulife travel insurance cover baggage loss or delays?

Yes, but only under plans that include travel benefits, such as the All-Inclusive and Non-Medical Inclusive plans.

Does Manulife offer Cancel for Any Reason (CFAR) coverage?

Yes. Manulife offers an optional Cancel for Any Reason (CFAR) Rider with eligible Single-Trip All-Inclusive, Trip Cancellation & Trip Interruption, and Non-Medical Inclusive plans. The rider reimburses up to 50% of your eligible non-refundable prepaid trip costs if you cancel for a reason that is not otherwise covered by the policy.

What is Secure Travel (RIMI) travel insurance?

Secure Travel Insurance is an emergency medical policy designed for eligible Canadian residents travelling outside their home province or territory. The policy is underwritten by certain Lloyd’s Underwriters through a Lloyd’s Approved Coverholder and is offered under the Canuck Voyage Travel Medical Insurance plan. 

It is available as a single-trip or multi-trip annual plan, with top-up coverage for additional days of protection. Secure Travel focuses exclusively on emergency medical insurance and does not include trip cancellation or trip interruption coverage.

Key features of Secure Travel’s Canuck Voyage Travel Medical Insurance

Who is eligible for Secure Travel Canuck Voyage Insurance?

To be eligible for Secure Travel’s emergency travel insurance plan, you must be:

• A Canadian resident covered by your government health insurance plan for the entire duration of your trip
• Purchase coverage for the entire duration of your trip
• At least 15 days of age and less than 80 years of age
• Travelling for no more than 60 days (for those aged 60 to 79 years)

Who is not eligible for the Secure Travel Canuck Voyage Insurance?

You are not eligible if you:

• Have been diagnosed with a terminal illness
• Are experiencing new or undiagnosed symptoms, or know of any reason to seek medical attention
• Are travelling to obtain medical treatment outside your province or territory of residence, whether or not recommended by your attending physician
• Have used, or been prescribed, home oxygen during the 12 months prior to the effective date
• Have been diagnosed with congestive heart failure
• Have a diagnosed, unrepaired aneurysm of 4.5 centimetres or more
• Require assistance with the activities of daily living (dressing, bathing, eating, using the toilet or getting in or out of a bed or chair)

Secure Travel (RIMI) travel insurance plan types

Secure Travel (RIMI) offers the Canuck Voyage Travel Medical Insurance plan for Canadians travelling outside their home province or territory. The plan is available as either a single-trip or multi-trip annual policy, with optional top-up coverage for travellers who need to extend their emergency medical coverage beyond the original policy period.

• Single-trip plan: Covers one trip outside your home province or territory for the period selected on your policy. Coverage begins on your effective date and ends when you return home, or your policy expires, whichever comes first
• Multi-trip annual plan: Covers unlimited trips outside your province or territory of residence, up to the maximum trip duration you purchase. It also includes unlimited travel within Canada outside your home province, making it ideal for frequent travellers who take multiple trips throughout the year
• Top-up coverage: Extends your emergency medical coverage if your trip lasts longer than the number of days covered under your multi-trip annual plan or another eligible travel insurance policy. It must be purchased before your existing coverage expires, and you must not have experienced a change in your health condition

What is covered under Secure Travel’s Canuck Voyage Travel Medical Insurance?

Secure Travel’s Canuck Voyage Travel Medical Insurance provides coverage for eligible emergency medical expenses. Depending on the policy terms and limits, your coverage includes the following benefits:

• Emergency medical expenses: Covers eligible emergency hospital stays, physician services, emergency outpatient treatment, laboratory tests, X-rays, prescription drugs, private duty nursing, and medically necessary medical appliances
• Prescription drugs: Reimburses eligible prescription medications required to treat a covered medical emergency, including injectable drugs and sera, when prescribed to treat a covered medical emergency
• Emergency dental treatment: Covers emergency dental care, including up to $5,000 to repair accidental dental injuries and up to $650 for emergency treatment to relieve dental pain, subject to policy conditions
• Medical and diagnostic services: Covers treatment by licensed physicians, surgeons, anaesthetists, and registered nurses, along with medically necessary blood products, oxygen therapy, laboratory tests, and physician-ordered X-rays
• Private duty nursing: Covers medically necessary services of a registered private duty nurse when prescribed by a physician and approved by Intrepid 24/7™ during hospitalization or as an alternative to hospitalization
• Emergency medical transportation and evacuation: Covers licensed ground and air ambulance services, emergency medical evacuation, repatriation to Canada when medically necessary, transportation between hospitals, and evacuation from remote locations, subject to policy limits and prior approval where required
• Paramedical services: Covers eligible treatment provided by licensed practitioners, including physiotherapists, chiropractors, osteopaths, podiatrists, chiropodists, acupuncturists, and optometrists
• Meals and accommodation: Reimburses eligible accommodation, meals, transportation, essential phone and internet charges, and childcare expenses if your return home is delayed due to a covered medical emergency
• Repatriation of remains: Covers eligible expenses for preparing and returning your remains to Canada or for cremation or burial at the place of death, subject to the policy limits
• Hospital allowance: Provides a daily hospital allowance for incidental hospital charges and covers eligible expenses incurred while hospitalized during a covered emergency
• Psychological support: Covers eligible visits to a licensed psychiatrist, psychologist, or social worker for acute symptoms when deemed medically necessary, up to the applicable policy limit
• Return to your trip destination: Covers up to $5,000 for one-way economy airfare to return you and one travel companion to your original trip destination after you recover and are medically cleared to resume your trip
• Excess baggage return: Covers up to $1,000 to return your excess baggage if you are medically transported back to Canada

Secure Travel’s Canuck Voyage Travel Medical Insurance coverage details at a glance

What is not covered under Secure Travel’s Canuck Voyage Travel Medical Insurance?

The Canuck Voyage Travel Medical Insurance policy does not cover the following:

• Medical conditions that do not meet the policy’s pre-existing condition or stability requirements
• Symptoms ignored after your policy takes effect when a reasonable person would have sought medical attention
• Non-emergency, elective, or cosmetic treatments
• New conditions before a top-up or policy extension take effect
• Travel against a physician’s advice or terminal illness
• Treatment that can safely wait until you return to Canada
• Ongoing or routine treatment for chronic conditions
• Medical treatment without the required prior approval (except in life-threatening emergencies)
• Alcohol- or drug-related injuries or illnesses
• Routine pregnancy care, childbirth, and related complications
• Injury due to involvement in illegal acts, criminal activities, or self-inflicted injuries
• High-risk activities (e.g., mountain climbing, skydiving, professional sports) resulting in injuries
• Loss or damage to hearing devices, eyeglasses, sunglasses, contact lenses, or prosthetic teeth, limbs, or devices, and any resulting prescriptions

Pros and cons of Secure Travel Insurance

How to make a claim under Secure Travel’s travel insurance policy?

If you need to make a claim under your Secure Travel Canuck Voyage Travel Medical Insurance policy, follow these steps:

• Contact Intrepid 24/7™:  You must contact Intrepid 24/7™ as soon as you experience a medical emergency. If you are admitted to a hospital, you must contact them within 24 hours before any surgery. Failure to do so may reduce your eligible benefits unless it is a life-threatening emergency
• Complete the claim form: Fill out a separate claim form for each new illness or injury
• Gather supporting documents: Submit original itemized medical bills, prescription receipts, proof of your departure and return dates, and any additional documents required
• Provide proof of claim: Send written proof of your claim within 90 days of receiving the covered medical services
• Complete the authorization form: Sign and return the authorization form so the insurer can coordinate benefits with your provincial or territorial health insurance plan, where applicable
• Submit your claim request: Send all completed forms and supporting documents to Intrepid 24/7™ for processing

Can you cancel or get a refund on Secure Travel Insurance?

Yes, Secure Travel’s Canuck Voyage Travel Medical Insurance offers refunds in certain situations. The exact refund amount depends on when you cancel your policy and whether you have started your trip or made a claim.

• Cancel within 10 days: You can receive a full refund if you cancel within 10 days of receiving your policy, provided you have not departed on your trip, no claim has been or will be made, and you notify the insurer in writing within the 10-day period
• Return home early: You may qualify for a partial refund if you return to your home province, territory, or Canada before your scheduled return date, provided no claim has been made, and the policy is terminated. All insured travellers under the same policy must return together to be eligible
• Multi-trip annual plans: Refunds or cancellations are available only before the policy’s effective date or if no travel has taken place during the policy period

Please note that a $25 administration fee may apply to partial refunds, and no refund is issued if the refundable amount is less than $20 per policy. Also, all refund requests must be submitted in writing within the policy’s required timeframe.

Does Secure Travel’s travel insurance allow automatic extensions?

Yes, Secure Travel’s Canuck Voyage Travel Medical Insurance automatically extends your emergency medical coverage at no additional premium in certain situations. 

• Travel delay: Coverage extends for up to 5 days if your return is delayed because of a vehicle or common carrier delay, as long as the delay occurs before your policy expires
• Medically unfit to travel: Coverage extends for up to 5 days if medical evidence confirms you were unable to travel on or before your policy’s expiry date.
• Hospitalization: If you are hospitalized when your policy expires, your coverage continues for the entire period of hospitalization, plus an additional 5 days after your discharge

How does Secure Travel compare to other travel insurance providers?

Secure Travel stands out for its high emergency medical coverage of up to $7 million and straightforward emergency travel medical plans. However, unlike many other Canadian travel insurance providers, it does not offer trip cancellation, trip interruption, or baggage coverage. If you are comparing coverage limits, plan features, pricing, and optional benefits, explore our guide to the best travel insurance companies in Canada to find the policy that best suits your travel needs.

Our licensed advisors at PolicyAdvisor can compare coverage, premiums, and policy features from top Canadian insurers to help you find the plan that best fits your trip and budget. Book your free consultation today!

Frequently Asked Questions

Does Secure Travel’s travel insurance cover travellers with pre-existing conditions over 60?

Yes, travellers aged 60 to 79 may qualify for coverage if their pre-existing medical conditions have remained stable for the required period before the policy’s effective date. The required stability period is 90 days for ages 60–74 and 180 days for ages 75-79.

Can I extend my Secure Travel policy if my trip is longer than planned?

Yes, you can purchase top-up coverage to extend your emergency medical protection. This is applicable if your trip exceeds the number of days covered by your multi-trip annual plan or another eligible travel insurance policy. The top-up must be purchased before your existing coverage expires, and your health condition must remain unchanged.

Does Secure Travel insurance cover emergency dental treatment?

Yes, Secure Travel covers emergency dental treatment, including up to $5,000 for accidental dental injuries and up to $650 for emergency treatment to relieve dental pain, subject to the policy’s terms and limits.

What is the waiting period for Secure Travel’s Canuck Voyage travel medical insurance?

It depends on when you purchase your policy. There is no waiting period if you buy your coverage before leaving your home province or territory. If you purchase it after departure, a 48-hour waiting period applies to sickness claims.

Do I need to contact Intrepid 24/7 before receiving medical treatment?

Yes, you should contact Intrepid 24/7™ immediately if you experience a medical emergency and before receiving medical treatment whenever possible. If you are admitted to a hospital, Intrepid 24/7™ must be notified within 24 hours, and prior approval is required for certain treatments and procedures. Failing to contact Intrepid 24/7™ may reduce your eligible benefits, except in life-threatening emergencies.

What is GMS TravelStar travel insurance?

GMS TravelStar travel insurance is a series of policies offered by Group Medical Services (GMS), designed to protect Canadians travelling within Canada or internationally against unexpected medical emergencies and travel-related disruptions.

Depending on the plan selected, coverage can include emergency medical treatment, hospitalization, trip cancellation, and baggage protection. One of the key offerings is the ability to bundle the Emergency Medical Insurance with Trip Cancellation & Interruption Insurance for broader protection. Eligible travellers can also purchase top-up coverage or apply to extend their emergency medical coverage, subject to the policy terms.

GMS TravelStar travel insurance: At a glance

Types of travel insurance plans offered by GMS travel insurance

GMS TravelStar offers travel insurance solutions for different travel needs, whether you are taking a single vacation or travelling several times throughout the year. Travellers can choose between medical and non-medical plans, with a wide range of benefits.

Unlike many insurers that package everything into one all-inclusive policy, GMS separates the medical and non-medical coverage. This offers travellers the flexibility to purchase only the protection they need or combine policies for broader coverage that includes emergency medical coverage alongside trip interruption, baggage, travel delay, and other non-medical benefits.

Here’s an overview of the different GMS travel insurance plans:

Emergency medical plans

Emergency medical plans are designed for travellers who want protection against unexpected medical emergencies while away from home. Depending on your travel frequency and medical history, GMS offers two plans to choose from:

• Single-Trip Emergency Medical
• Multi-Trip Annual Emergency Medical

Here’s a quick comparison of the emergency medical plans offered by GMS travel insurance:

Trip Cancellation & Interruption plan

Travellers who want protection for prepaid travel expenses can purchase GMS TravelStar Trip Cancellation & Interruption Insurance. This plan reimburses eligible expenses if your trip is cancelled, interrupted, delayed, or your baggage is lost, damaged, or delayed due to a covered event.

The plan is available as a Single-Trip policy. A Multi-Trip Annual option is also available when purchased with a GMS Multi-Trip Annual Emergency Medical plan.

Here’s a quick overview of the Trip Cancellation & Interruption plan offered by GMS travel insurance:

Additionally, applicants can purchase a Trip Delay upgrade rider for an additional premium that increases their coverage for eligible travel delays lasting 12 hours or longer. 

Here are the benefits offered by the rider:

Bundling your GMS travel insurance coverage

GMS does not offer a traditional all-inclusive travel insurance plan. However, travellers can achieve similar protection by combining the Emergency Medical Insurance and Trip Cancellation & Interruption Insurance plans into a single policy. 

Purchasing both plans together provides coverage for medical emergencies and travel-related financial losses while allowing eligible travellers to save 10% on Trip Cancellation & Interruption Insurance. This option suits travellers seeking both emergency medical and trip-related protection without paying for benefits they do not need.

While the All-Inclusive and Annual All-Inclusive plans support international travel, the All-Inclusive Canada plan is designed only for travel within Canada.

Pros and Cons of GMS TravelStar Travel Insurance

Does GMS offer family travel insurance?

Yes, GMS TravelStar offers family coverage on eligible travel insurance plans for Canadians. The insurer offers several family-friendly features that can help reduce insurance costs for parents travelling with children. Eligible travellers purchasing a Single-Trip Emergency Medical plan can add up to six dependent children under the age of 16 to the policy at no additional cost.

Additionally, families travelling with a spouse or dependents under the same policy may qualify for a 5% savings on eligible coverage. Together, these family-friendly features make GMS a practical option for families looking to protect their trips while keeping insurance costs manageable.

Who is eligible for GMS TravelStar travel insurance?

Any Canadian resident with active provincial or territorial health insurance who is travelling outside their home province or outside Canada and who meets GMS’s requirements is eligible for these travel insurance plans. However, coverage eligibility, age restrictions, medical stability requirements, and policy exclusions vary by plan and chosen riders.

Here’s an overview of the general eligibility requirements for the GMS travel insurance plans:

Note: Refer to the policy wording for the full list of eligibility requirements.

Who is not eligible for GMS travel insurance?

While the plans cover eligible travellers, certain health and travel restrictions may prevent applicants from obtaining coverage under GMS travel insurance. 

You are not eligible for GMS travel insurance under the following circumstances:

Emergency Medical coverage

• Are not a Canadian resident with a valid provincial or territorial government health plan.
• Are awaiting tests or treatment for a heart condition
• Have a surgically untreated vascular aneurysm, an implantable cardioverter defibrillator (ICD), or have been diagnosed with congestive heart failure (CHF)
• Have had certain heart, vascular, liver, or other serious medical conditions diagnosed or treated within the last 12 months
• Have insulin-treated diabetes and also take prescription medication for a heart condition (excluding cholesterol or blood pressure medication)
• Use home oxygen or oral steroids for a lung condition
• Are currently being treated for cancer (except certain hormone-treated breast or prostate cancers) or have undergone valve surgery, kidney dialysis, or an organ, stem cell, or bone marrow transplant within the last 12 months
• Are aged 70 or older and require assistance with activities of daily living (ADLs)

Trip Cancellation & Interruption coverage

• Travel to a destination with an active Government of Canada “Avoid non-essential travel” or “Avoid all travel” advisory when you buy the policy
• Have a trip value exceeding $20,000 per person
• Purchase a Single-Trip Trip Cancellation plan for a trip valued at $12,000 or more per person while having certain serious medical conditions or recent treatments

How much does GMS travel insurance cost?

The cost of GMS travel insurance depends on your plan, duration, and the riders you select with your policy. 

Here’s a sample travel insurance premium for a traveller on a trip for 15 days:

Disclaimer: Illustrative premiums for multi-trip annual Emergency Medical plans ($5 million coverage) and a Trip Cancellation & Trip Interruption plan (based on a $2,000 trip cost). Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

Are there any exclusions or limitations to GMS travel insurance? 

While GMS TravelStar provides comprehensive emergency medical and trip cancellation coverage, certain situations like medical tourism and high-risk activities are excluded or limited under the policy.

Here’s an overview of some of the common exclusions and limitations of GMS TravelStar travel insurance

Note: This list summarizes the most common exclusions found across GMS travel insurance plans. Coverage varies by plan and policy wording, so it is recommended to refer to your policy for the complete list of exclusions, limitations, and definitions.

How to file a claim with GMS TravelStar travel insurance?

If you experience a medical emergency or another covered loss during your trip, contact GMS Travel Assistance as soon as possible to begin the claims process.

Here’s how you can file a claim with GMS during your trip:

• Call the assistance centre immediately: You can contact the assistance centre in Canada and the United States at 1-800-459-6604, and internationally at 905-762-5196. Failure to contact Travel Assistance within 24 hours may reduce benefits to the lesser of 70% of eligible expenses or $50,000.
• Submit a notice of claim: Once you have contacted GMS Travel Assistance, you must provide written notice of claim within 30 days. 
• Gather supporting documentation: You will need to provide medical records, proof of treatment expenses (including itemized bills and payment receipts), and travel documents such as your passport, visa, or airline ticket. 
• Submit proof of claim: Submit all claim documentation within 90 days of the illness or injury.

Can you cancel or get a refund on GMS travel insurance?

Yes, GMS TravelStar travel insurance allows policy cancellations and refunds under certain circumstances. Refund eligibility and amount depend on the type of policy purchased, whether coverage has started, and whether a claim has been made.

Here is the GMS travel insurance refund policy at a glance:

Note: Refer to the policy wording for the complete refunds terms, conditions, and eligibility requirements.

Can you extend GMS travel insurance coverage?

If your trip lasts longer than originally planned, you may be able to extend or top up your GMS emergency medical coverage before your policy expires. However, extensions are subject to approval and must meet all necessary eligibility requirements.

Here’s what you need to know about extending your GMS emergency medical travel insurance:

• You can extend your Single-Trip plan while travelling by purchasing additional coverage at least two business days before your policy expires.
• Extensions are only available if you have not made a claim or required medical treatment during your trip.
• You must purchase coverage for all additional travel days beyond your original policy period.

As for Multi-trip Annual and Trip Cancellation & Interruption plans, coverage cannot be extended. However, GMS offers automatic extension of all plans under certain situations. Coverage may automatically extend if your common carrier is delayed, you are hospitalized on your expiry date, or a covered medical emergency prevents you from returning home as scheduled, subject to policy limits.

How does GMS compare to other travel insurance providers?

While many of Canada’s leading travel insurers offer similar emergency medical and trip cancellation coverage, GMS TravelStar stands out for its flexibility, high emergency medical limits, and family-friendly benefits. 

With up to $5 million in emergency medical coverage, annual multi-trip options, and free coverage for up to six children under eligible plans, GMS provides a well-rounded solution for travellers and families travelling together. The ability to bundle medical and non-medical plans alongside a 10% saving makes it attractive for travellers seeking well-rounded coverage solutions.

For a detailed comparison of the best travel insurance plans, check out our list of the Best travel insurance companies in Canada.

Our advisor’s take on GMS travel insurance

At PolicyAdvisor, we recently assisted a 62-year-old retiree planning a three-week vacation to Spain. They were seeking comprehensive travel insurance that would cover emergency medical expenses while also protecting the cost of prepaid flights, hotels, and guided tours.

Client profile

• Age: 62 years
• Destination: Spain
• Trip length: 21 days
• Primary concern: Paying out of pocket for emergency medical care and non-refundable travel bookings

Why we recommend GMS TravelStar travel insurance

We recommended this plan because it offers:

• Up to $5 million in emergency medical coverage on eligible plans 
• A 10% savings when both plans (Emergency Medical and Trip Cancellation & Interruption) are purchased together in a bundle
• Multiple deductible options to help tailor coverage and premiums
• Coverage for trip delays and an optional Trip Delay Upgrade for additional out-of-pocket expenses

How to purchase GMS travel insurance in Canada

PolicyAdvisor’s licensed travel insurance advisors can help you compare GMS travel insurance plans with other leading Canadian insurers based on your destination, trip duration, age, medical history, and coverage needs.

Whether you are heading abroad for a vacation or planning multiple trips throughout the year, our advisors at PolicyAdvisor can guide you through GMS coverage options, bundle solutions, and other add-ons and riders you may need.

Frequently Asked Questions

Does GMS travel insurance cover pre-existing medical conditions?

Yes, some GMS travel insurance plans may cover stable pre-existing medical conditions, provided you meet the applicable eligibility and 180-day stability requirements.

Does GMS travel insurance cover trip cancellation?

Yes. GMS offers Trip Cancellation & Interruption Insurance as a standalone plan. It can also be purchased alongside an Emergency Medical plan for broader travel protection. Benefits are payable if you cancel or interrupt your trip for a covered reason, subject to the policy terms.

How much travel medical coverage does GMS travel insurance provide?

Coverage limits vary by plan. Depending on the policy you purchase, GMS offers emergency travel medical coverage of up to $5 million for eligible medical emergencies while travelling.

Does GMS travel insurance cover baggage loss or delays?

Yes, but only under plans that include travel benefits, such as the TravelStar Trip Cancellation & Interruption, or as part of a bundle with the Emergency medical plan.

Does GMS TravelStar travel insurance offer Cancel for Any Reason (CFAR) coverage?

No, GMS travel insurance plans do not offer Cancel for Any Reason (CFAR) coverage as a benefit or rider.

Does GMS offer annual travel insurance?

Yes, GMS offers Multi-Trip Annual Emergency Medical plans that provide unlimited trips during the policy year, with coverage options of up to 15 or 30 days per trip.

Allianz travel insurance offers flexible coverage for occasional and frequent travellers through its single-trip and annual multi-trip plans. Depending on the plan you choose, Allianz provides up to $10M in emergency medical coverage, trip cancellation and interruption protection, baggage coverage, and other travel benefits. With five single-trip plans and two annual multi-trip plans, Allianz offers coverage options tailored to different travel needs and budgets.

Quick review: Allianz travel insurance

• PolicyAdvisor ratings: 5/5
• Best for: High medical emergency coverage up to $10M
• Skip if: You have a complex heart condition or recent cardiac treatment, as eligibility and coverage are subject to specific heart-related requirements

What is Allianz travel insurance?

Allianz Travel Insurance Canada offers a range of travel insurance plans that protect travellers against unexpected events before and during their trip. Travellers can choose from travel insurance plans that provide comprehensive protection or focus on specific needs, such as emergency medical expenses, non-medical travel disruptions, or multi-trip coverage for frequent travel.

Key features of Allianz travel insurance

Who is eligible for Allianz travel insurance?

Eligibility requirements vary depending on the Allianz travel insurance plan you choose. Generally, travellers must meet the insurer’s eligibility requirements, which may include:

• Be at least 15 days old on the effective date of your policy
• Be a Canadian resident covered under a Canadian government health insurance plan throughout your coverage period
• You have not been advised by a physician to avoid travel during your planned trip
• Not travelling for the purpose of receiving medical treatment or alternative therapy
• Not require assistance with activities of daily living, if you are age 65 or older on the effective date

Types of Allianz travel insurance plans

Allianz offers two main types of travel insurance plans: single-trip plans for one specific journey and annual (multi-trip) plans for travellers who take two or more trips throughout the year. Within these plan types, you can choose from different options based on the level of coverage you need, including trip cancellation and interruption, emergency medical coverage, baggage protection, and travel delay benefits.

1. Single trip

Single-trip travel insurance covers one specific journey from your departure date until you return home. Allianz offers five single-trip plans: Comprehensive travel insurance, Youth travel insurance, Emergency medical travel insurance, Trip Cancellation & Interruption, and Non-medical travel insurance, allowing travellers to choose a plan based on their budget and coverage needs.

• Comprehensive travel insurance: A comprehensive travel insurance plan provides all-in-one protection for a single trip, including emergency medical coverage, trip cancellation and interruption, travel delays, baggage loss or delay, and other travel-related benefits. It is best suited for travellers who want broad financial protection against a wide range of unexpected travel disruptions
• Youth travel insurance: A travel insurance plan designed for travellers aged 29 and under that offers affordable protection for a single trip. It also lets you insure up to four eligible travellers under one policy, making it a cost-effective option for friends or young families travelling together
• Emergency medical travel insurance: A travel insurance plan that covers eligible emergency medical expenses if you become sick or injured while travelling. It is best suited for travellers who already have trip cancellation coverage or only need protection against unexpected medical emergencies during their trip
• Non-medical travel insurance: A travel insurance plan that protects you against non-medical travel disruptions, including trip cancellation and interruption, travel delays, and lost, stolen, or delayed baggage. It is best suited for travellers who already have emergency medical coverage and only need protection for unexpected travel-related expenses
• Trip Cancellation & Interruption: A travel insurance plan to cover eligible expenses related to trip cancellation and interruption. It has almost the same coverage as non-medical travel insurance, except that it does not include coverage for baggage loss or delay and accidental death and dismemberment 

2. Annual/multi-trip plans

Annual or multi-trip plans cover multiple trips throughout the year, making them ideal for frequent leisure or business travellers. Allianz offers two annual multi-trip plans with different levels of protection depending on your travel needs.

• Annual comprehensive travel insurance: This plan helps you save money if you travel two or more times a year by providing emergency medical coverage, trip cancellation and interruption, baggage protection, travel delay coverage, and other travel-related benefits. Travellers can choose between 15-day or 35-day per-trip coverage, with the option to extend the coverage for longer trips if needed
• Annual emergency medical travel insurance: An annual multi-trip travel insurance plan that provides emergency medical coverage for unlimited trips within a 12-month policy period. Travellers can choose between 4-day, 8-day, 15-day, or 35-day emergency multi-trip plan

What is covered under Allianz travel insurance?

Here is a list of things that are typically covered under Allianz travel insurance Canada, depending on the plan you choose:

• Trip cancellation and trip interruption: Reimburses eligible prepaid, non-refundable trip expenses if you need to cancel or cut your trip short due to a covered reason, such as illness, injury, or certain unforeseen events. The maximum coverage is up to the sum insured
• Emergency medical and dental expenses: Covers eligible emergency medical treatment and urgent dental care if you become sick or injured while travelling, up to the plan’s coverage limit. The maximum emergency medical is up to $10M on most plans (up to $1 million under the Youth Plan), and emergency dental coverage goes up to $5,000, depending on the plan type.
• Emergency medical transportation and evacuation: Pays for medically necessary transportation to the nearest appropriate medical facility or emergency evacuation when required due to a covered medical emergency.
• Baggage loss and delays: Reimburses the cost to repair or replace lost, stolen, or damaged baggage and covers the purchase of essential items if your baggage is delayed for a covered period. The maximum coverage for baggage loss is up to $1,000
• Travel delays: Covers eligible additional expenses, such as meals, accommodation, and transportation, when your trip is delayed, or you miss a connection because of a covered reason
• Pre-existing medical conditions coverage: Allianz travel insurance plans cover pre-existing medical conditions if the plan’s eligibility requirements and policy conditions are met

Allianz single-trip travel insurance plan coverage at a glance

Allianz multi-trip travel insurance plan coverage at a glance

What is not covered under Allianz travel insurance?

Coverage exclusions vary depending on the Allianz travel insurance plan you purchase. Some common exclusions include:

• Pre-existing medical conditions that do not meet the plan’s eligibility requirements
• Medical treatment is sought outside Canada if you are travelling primarily to receive medical treatment or alternative therapy.
• Claims arising from high-risk or hazardous activities unless specifically covered
• Intentional self-inflicted injuries or illegal acts
• Expenses that exceed the policy’s coverage limits or are otherwise excluded under the policy terms and conditions

Pros and cons of Allianz travel insurance Canada

How much does Allianz travel insurance cost?

The premiums with pre-existing condition coverage start at $135.90 for a 25-year-old traveller and increase with age, as shown below. Allianz travel insurance costs vary based on factors such as your age, destination, trip duration, coverage amount, and the plan you choose.

Allianz travel insurance cost (2026):

Disclaimer: Illustrative rates for single-trip, multi-trip, and trip cancellation and interruption. Actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

How to claim Allianz travel insurance?

You can file an Allianz travel insurance Canada claim online through the secure claims portal. Here are the steps you need to file an Allianz travel insurance claim:

• Notify Allianz as soon as possible: If you have a medical emergency while travelling, contact Allianz’s emergency assistance team before receiving treatment whenever possible. For non-medical claims, begin the claims process promptly after the covered event
• Access the online claims portal: Create an account or sign in to the online Claims Portal to start a new claim
• Complete the claim form: Provide your policy details, trip information, and a description of the incident. Ensure all information is accurate to avoid processing delays and upload supporting documents
• Track your claim status: Use the Allyz TravelSmart app to monitor your claim, upload additional documents if requested, and view updates throughout the review process.
• Receive your claim decision and payment: Once your claim has been assessed, Allianz will issue an Explanation of Benefits outlining the decision. If your claim is approved, any eligible payments will be made by Allianz

Can you cancel or get a refund on Allianz travel insurance?

Yes, Allianz allows you to cancel your travel insurance policy, but the refund you receive depends on when you cancel and whether you have travelled or filed a claim.

• Within 10 days of purchase: You can receive a full premium refund if you cancel your policy within 10 days of purchase, provided you have not started your trip and have not experienced an event that could result in a claim
• More than 10 days after purchase: You may be eligible for a partial premium refund if you have not departed on your trip and have not submitted a claim under the policy
• No refund for unused trip days: If you end your trip early, Allianz does not provide partial refunds for the unused portion of your coverage

Please note that refunds of less than $20 are not issued.

Does Allianz travel insurance allow automatic extensions? 

Yes, Allianz Travel Insurance automatically extends your coverage at no additional premium if your trip is delayed due to a covered reason.

Automatic extensions are available if:

• You or your travelling companion is medically unfit to travel due to a covered illness or injury. For plans with emergency medical coverage, your policy is extended until you are fit to travel, plus up to an additional 5 days to allow you to return home.
• Your travel is delayed by up to 72 hours because your travel carrier is delayed, or your vehicle is involved in a traffic accident or mechanical breakdown
• You temporarily return to your home province or territory during your coverage period without your policy expiring. However, expenses for the temporary return are your responsibility, and no premium refund is available
• Trip Interruption coverage also extends until you are fit to travel, plus up to 5 additional days, or for up to 72 hours if your return is delayed due to covered transportation issues

How does Allianz travel insurance compare to travel insurance providers?

Allianz stands out for its five single-trip and two annual-trip plans, offering flexible coverage for occasional, frequent, and business travellers. Compared with Destination Canada, Allianz provides a higher emergency medical coverage limit of up to $10 million, while Destination Canada offers up to $5 million. Most of the plans that Allianz offers have higher age limits, making them suitable for older travellers. To help you make an informed decision, compare Allianz with other top providers in our guide to the best travel insurance companies in Canada.

Our advisor’s take on Allianz travel insurance

At PolicyAdvisor, we help travellers compare travel insurance plans based on their destination, trip duration, medical needs, and budget. We recently helped a 42-year-old Canadian who was going on a trip to Europe and was looking primarily for high emergency medical coverage.

Client profile:

• Age: 42-year-old Canadian
• Trip duration and type: Three-week vacation to Europe
• Primary concern: Comprehensive emergency medical coverage 
• Our comparison: After comparing travel insurance plans from multiple providers, we recommended Allianz Comprehensive single-trip insurance because it offered emergency medical coverage of up to $10M along with trip cancellation and interruption benefits, baggage protection, and travel delay coverage 

Why we recommended Allianz:

Beyond the high emergency medical coverage, here’s why the Allianz travel insurance Canada plan stood out:

• Comprehensive protection: Maximum coverage up to the sum insured for trip cancellation and trip interruption coverage, along with travel delay and travel accident benefits
• Emergency medical transportation: Emergency medical transportation is covered, which means that coverage will be provided for transportation to the nearest appropriate medical facility, if required
• Global reach: Allianz has a presence in 70+ countries and access to a global network of more than 1 million medical providers, helping you receive assistance and access medical care almost anywhere you travel

If you are still not sure, speak with a licensed expert at PolicyAdvisor to compare Allianz with other leading providers. Our advisors will help you find the plan that offers the right coverage, benefits, and price for your travel needs. Schedule a call now!

Frequently asked questions

Does Allianz travel insurance Canada cover pre-existing medical conditions?

Yes, Allianz travel insurance plans cover eligible pre-existing medical conditions, provided you meet the policy’s eligibility requirements and stability conditions. If you are under 65 years old, your pre-existing medical condition must generally be stable for 90 days before departure, while travellers 65 and older must meet a 150-day stability period to qualify for eligible coverage.

What does Allianz travel insurance cover?

Depending on the plan you choose, Allianz travel insurance Canada may cover trip cancellation and interruption, emergency medical and dental expenses, emergency medical transportation, baggage loss or delays, travel delays, travel accidents, epidemic-related covered losses, and eligible pre-existing medical conditions.

How do I file an Allianz travel insurance claim?

You can submit a claim online through Allianz’s Claims Portal by providing your policy details, completing the claim form, and uploading supporting documents such as receipts, medical reports, or proof of travel. You can also track your claim status through the portal.

Does Allianz travel insurance Canada cover trip cancellations?

Yes, Allianz travel insurance covers trip cancellations, but only under select plans. Trip cancellation coverage is included with the Comprehensive, Youth, Non-medical, Trip Cancellation & Interruption, and Annual Comprehensive travel insurance plans, and, where eligible, cancellation costs are covered up to the sum insured.

Does Allianz travel insurance include emergency medical coverage?

Yes, Allianz travel insurance includes emergency medical coverage under most of its plans. The Comprehensive, Emergency Medical, Annual Comprehensive, and Annual Emergency Medical plans provide up to $10M in eligible emergency medical coverage, while the Youth Plan provides up to $1 million.

What is Destination Canada travel insurance?

Destination Canada travel insurance is an emergency medical travel insurance plan that helps protect Canadians against unexpected medical expenses while travelling. The policy covers eligible emergency medical expenses caused by sudden illnesses or injuries, including hospitalization, physician services, emergency medical transportation, prescription medications, and medical evacuation. 

Travellers also receive access to 24/7 Zurich Assistance, which helps coordinate emergency medical treatment, hospital admissions, emergency evacuations, and claims administration worldwide.

Key features of Destination Canada travel insurance:

Who is eligible for Destination Canada travel insurance?

To be eligible for Destination Canada travel insurance, you must be:

• Age eligibility depends on the plan selected: Leisure (15 days to under 80 years) or Expat Essential (15 days to under 65 years)
• Covered by your provincial or territorial Government Health Insurance Plan (GHIP) for the entire duration of your trip
• Medically fit to travel and not travel against a physician’s advice

Who is not eligible for Destination Canada travel insurance?

You may not be eligible for Destination Canada travel insurance if you:

• Have been diagnosed with a terminal illness
• Have been diagnosed with or treated for pancreatic, liver, bone, or metastatic cancer
• Have used or been prescribed home oxygen within the past 12 months
• Have undergone a major organ, bone marrow, or stem cell transplant
• Have kidney disease requiring dialysis 
• Have an unrepaired aneurysm measuring 4 cm or larger
• Have been advised by a physician not to travel

Types of Destination Canada travel insurance plans

Destination Canada offers its travel insurance for Canadians through the Leisure Plan and Expat Essential Plan. Both plans provide almost the same coverage, except that the maximum limits can differ. 

Leisure Plan

It is available for Canadian residents travelling outside their home province or internationally for vacations, business trips, or other temporary travel. Offered as single-trip and annual multi-trip coverage, it provides up to $5 million in emergency medical coverage.

Expat Essential

This plan is available for Canadians living, working, or studying abroad who require long-term emergency medical coverage outside Canada. It provides up to $1 million in emergency medical coverage and includes hospitalization, outpatient physician services, prescription drugs, ambulance transportation, emergency medical evacuation, home nursing, emergency dental treatment, and more.

What is covered under Destination Canada travel insurance?

Here’s what will be broadly covered under Destination Canada travel insurance:

• Emergency medical expenses: Covers eligible emergency medical treatment if you become unexpectedly sick or injured while travelling outside your home province or Canada
• Emergency medical transportation and evacuation: Covers medically necessary transportation to the nearest appropriate medical facility or, when medically necessary and approved, transportation back to Canada
• Emergency dental treatment: Covers eligible emergency dental expenses to relieve acute pain or repair accidental damage to natural teeth, subject to your plan’s terms and limits
• Meals and accommodation: Covers eligible meals and accommodation expenses when a covered medical emergency results in an unexpected delay or requires additional travel arrangements, subject to your plan’s limits.
• Hospital allowance: Reimburses eligible incidental expenses, such as telephone calls and television rentals, if you are hospitalized for 48 hours or more due to a covered medical emergency. This is not included in the Expat Essential Plan
• Paramedical practitioner services: Covers eligible outpatient treatment provided by licensed paramedical practitioners, such as chiropractors, physiotherapists, osteopaths, and podiatrists, up to the limits specified under your plan
• Emergency return home: This provides coverage for economy transportation back to your home province or territory if a covered medical emergency requires you to end your trip early

In the table below, we have provided a closer look at the coverage amount offered under Destination Canada travel insurance.

Destination Canada travel insurance coverage details:

What is not covered under Destination Canada travel insurance?

Here are some of the exclusions of Destination Canada travel insurance:

• Unstable pre-existing medical conditions
• Non-emergency medical treatment or elective procedures
• Travelling against medical advice
• Injury due to high-risk or hazardous activities
• Alcohol or drug-related incidents
• Self-inflicted injuries or injuries sustained while committing a criminal offence, acts of war, or military service (subject to policy terms)
• Any rehabilitation or convalescent care

Pros and cons of Destination Canada travel insurance

How much does Destination Canada travel insurance cost?

The cost of Destination Canada travel insurance ranges from $116.10 to $240.60. The exact premium depends on factors such as your age, destination, trip duration, coverage amount, chosen plan type, and more.

Destination Canada travel insurance cost (2026):

Disclaimer: Illustrative rates for a non-smoking traveller, the actual premiums may vary based on age, destination, trip duration, health, deductible, and other factors.

How to make a claim with Destination Canada travel insurance?

If you experience a medical emergency while travelling, seek medical attention immediately. For hospitalizations or other serious emergencies, you or someone acting on your behalf should contact Zurich Assistance within 24 hours of hospital admission. 

To file a claim, follow these steps:

• Seek emergency medical care and visit the nearest hospital or medical facility if you require immediate treatment
• Contact Zurich Assistance as soon as possible, as the team will coordinate your medical care and advise you on the next steps
• Keep all supporting documents and submit your claim along with the completed claim form to Zurich Assistance
• Cooperate with the claims process by providing any additional information or documentation requested by the claims administrator, and track the claim status

Please note that if you don’t contact Zurich Assistance before seeking medical treatment without a reasonable cause, you will be responsible for 20% of the eligible medical expenses that would otherwise be covered under your policy.

Documents required for the claim process

• A completed claim form
• Original itemized medical bills and invoices
• Proof of payment for all claimed expenses
• Proof of payment from any other insurance or benefit plan, if applicable
• Medical records, including the physician’s diagnosis, hospital records, and confirmation that treatment couldn’t safely be delayed until you returned home
• A referral letter from the attending physician, if specialist treatment was recommended
• Proof of the accident for claims involving accidental dental treatment
• Proof of travel, such as your itinerary, boarding passes, or travel tickets

Can you cancel or get a refund on Destination Canada travel insurance?

Yes, Destination Canada travel insurance allows policy cancellations and premium refunds in certain situations. A full refund is available if you cancel your policy within 10 days of purchase, as long as your coverage has not started.

Does Destination Canada travel insurance allow automatic extensions?

Yes, Destination Canada travel insurance automatically extends your coverage in certain situations when circumstances beyond your control prevent you from returning home as planned.

Coverage is automatically extended in the following situations:

• Travel delays: Your coverage is automatically extended for up to 72 hours if your scheduled airline, train, bus, ferry, or other mode of transportation is delayed for reasons beyond your control, provided the delay occurs before your policy expires
• Medical emergency: If you are medically unfit to travel because of a covered illness or injury on or before your policy’s expiry date, your coverage is automatically extended for up to 5 days.
• Hospitalization: If you are hospitalized due to a covered medical emergency when your policy expires, your coverage continues for the duration of your hospital stay and for 72 hours after you are discharged to allow you to return home. This extension also applies to one insured travelling companion who remains with you if necessary

How does Destination Canada compare to other travel insurance providers?

Destination Canada focuses primarily on emergency medical protection, making it a strong option for travellers who want high medical coverage and emergency assistance. With separate plans for short-term travellers and Canadians living or working abroad, it offers flexibility for different travel needs while also covering eligible pre-existing medical conditions. 

However, unlike some travel insurance providers, these plans do not include benefits such as trip cancellation, trip interruption, baggage protection, or flight delay coverage. Before purchasing, it is worth comparing its benefits, exclusions, and premiums with other best travel insurance companies in Canada to ensure you are getting the protection that best fits your destination and travel plans.