Emergency Travel Medical Insurance

Travel medical insurance covers the cost of emergency medical care wherever you are.

Call to speak with an advisor
A young woman who is exploring while on her travels in a location that appears to be Greece.

What is emergency travel medical insurance?

Emergency travel medical insurance is designed to cover unforeseen medical expenses while traveling abroad (i.e. outside your home province or territory).

Among various travel insurance options, emergency medical coverage is essential. It's advisable never to travel internationally without it.

Medical emergencies can arise unexpectedly when you're abroad, leading to significant medical expenses. Without travel insurance, these costs fall on you.

Medical treatments outside Canada can be considerably more costly than domestic care. Remember, your Government Health Care coverage is limited once you leave your province or country.

An icon depicting a  list of expenses or dollar line items.

Cover Medical Costs

Ensures financial protection against unexpected medical expenses during travel.

An icon depicting an air ambulance.

Repatriation Assistance

Provides support for emergency medical transportation back to your home country for treatment.

An icon depicting a phone and 24 hour availability.

Around-the-Clock Support

24/7 access to assistance services, ensuring help is always a phone call away.

An illustration depicting a woman travelling with directional signs in the background.

How does emergency travel medical insurance work?

  • Pre-Trip Purchase: Secure your emergency travel medical insurance before you embark on your journey. Choose a plan that covers the entire duration of your trip and includes all family members traveling with you. This proactive step ensures that you are covered from the moment you leave until your return.

  • Immediate Assistance in Emergencies: Should a medical emergency arise while you are traveling, immediately contact the 24/7 toll-free support line provided by your insurer.

  • Guidance to Appropriate Care: Upon contacting the support line, you'll be connected with a professional who will guide you to the nearest or most suitable medical facility, ensuring that you receive the right care promptly.

  • Coverage of Expenses: The insurance covers the costs of medical treatments including hospital stays, medical procedures, and often prescription medications and emergency dental care, depending on your policy's terms.
  • Ongoing Support and Monitoring: Beyond just covering costs, the insurance provider's support team often monitors your treatment and recovery process, ensuring that you receive appropriate care. They may also coordinate with medical professionals on your behalf, keeping your family informed about your situation and will work to bring you home at the earliest opportunity that it is safe to do so.

Get help with your travel insurance planning.

Speak with a professional advisor who can help.


How much does emergency travel medical insurance cost?

There are a number of factors that can affect plan pricing, including:

An icon depicting a birthday cake. Connoting age.


Insurance costs generally increase with age.

An icon depicting a calendar and a clock. Connoting date/time.

Trip duration

Travel medical coverage cost is based on a daily rate.

An icon depicting medical records.

Health history

Cost can be affected by health history.

An icon depicting a pin on a map. Connoting location.


Cost can vary based on your destination. It is always less for travel within Canada.

An illustration depicting a woman travelling in Paris.

What is included in my government benefits?

Each province and territory has their own respective health care plans. For this reason, benefits will vary from one province/territory to the next. It is worth checking what is covered under your plan prior to travelling.

Travel outside Canada

Each province and territory has their own respective health care plans. For this reason, benefits will vary from one province/territory to the next. It is worth checking what is covered under your plan prior to travelling.

Travel inside Canada

Provinces and Territories (except Quebec) have an Interprovincial Billing Agreement in which the host province covers medically necessary services and the home province subsequently is billed for reimbursement. Services such as ambulance (air/ground), hospital transfers, or transportation back to your home province are not covered by your government plan.

Get in touch

Talk to an advisor who can understand your situation, answer your questions and help you build an insurance plan appropriate for you and your family.

Frequently asked questions

Answers to key questions about Emergency Travel Medical Insurance

How is a Pre-existing Condition Defined in Travel Insurance?

A pre-existing condition typically refers to any illness, injury, or medical condition that existed before your travel insurance policy's start date. This includes conditions that have been diagnosed, as well as those for which you've received treatment or experienced symptoms, regardless of a formal diagnosis. It's crucial to disclose all such conditions when applying for insurance, even if they seem minor, to ensure full coverage and avoid potential issues during claims.

Are Pre-existing Conditions Covered by Travel Insurance?

Travel insurance policies generally exclude pre-existing medical conditions, defined as conditions present before your policy's start date. All travel insurance will have a 'stability period' -often requiring stability in the pre-existing condition(s) for a set period (e.g., 3-months, 6-monnths, 9-months) prior to departure. If a condition hasn't been stable within this timeframe and you file a claim related to it, it will typically mean that any medical expenses relating (directly or indirectly) to the condition will not be covered.

What Exclusions and Limitations Apply to Travel Insurance Coverage?

Travel insurance policies have specific exclusions and limitations. Key exclusions often include pre-existing medical conditions, complications arising from pregnancy, injuries from high-risk sports and activities, and incidents involving the use of illegal or certain legal substances. Additionally, claims related to war, kidnapping, terrorism, riots, strikes, or civil unrest are typically not covered. It's crucial to thoroughly read the policy's exclusion section to fully understand the scope and limitations of your coverage before your trip.

What is the Process for Extending Travel Insurance Coverage?

To extend your travel insurance for a longer journey than initially planned, you must obtain a new policy before your current policy's expiration date, as indicated on your Confirmation of Coverage. Be aware that eligibility for extended coverage may be affected if you, your travel companion, or a family member experienced a medical issue or injury during the initial coverage period. This also applies to pre-existing conditions that required medical assessment. Additionally, age restrictions may apply for certain policy types. It's advisable to contact your advisor promptly upon deciding to extend your trip to discuss the feasibility and terms of purchasing additional coverage for the extended travel period.

Is Emergency Travel Medical Insurance Necessary for Travel Within Canada?

While the importance of travel insurance is well-recognized for international trips, it's also important for domestic travel within Canada. Even if you're just exploring another province, like a trip to the Canadian Rockies, your provincial health insurance might not fully cover medical expenses like ground or air ambulance services, X-rays, emergency dental treatments, and prescription medications outside your home province.

Still have questions?

Please contact our office and we'll be happy to address any questions you may have.