Out of province travel insurance - plan/price comparison
For traveling outside the province of your resident, basically you have 3 options:
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Emergency medical plan,
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Non-emergency plan, and
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All inclusive plan, if you want both medical and non-medical coverage
you can buy this plans for one trip, which is more common, or buy it for a one year, unlimited travel, which is more suitable for those who are traveling a lot. There are also specific plan for students and youth which you can see their coverage and price range here.
Eligibility
Non-Medical
To be eligible for coverage you must:
1. be at least 15 days old and less than 90 years of age travelling for no more than 90 days; and
2. purchase coverage within 7 days of the initial deposit for your trip or prior to any cancellation penalties being applicable; and
3. purchase coverage for the full value of the non-refundable, pre-paid travel arrangements; and
4. purchase coverage for the entire duration of your trip; and
5. purchase coverage prior to the date of departure from your province or territory of residence or Canada; and
6. know of no reason that you, an immediate family member, a travel companion, a travel companion’s immediate family member, or business partner would be unable to start or complete the trip as booked.
Emergency Medical
To be eligible for coverage you must:
1. be a Canadian resident covered by your government health insurance plan for the entire duration of your trip; and
2. purchase coverage for the entire duration of your trip; and
3. be at least 15 days of age and less than 55 years of age; or
4. be between 55 and 89 years of age and have correctly completed the medical declaration; or
5. not have been diagnosed with congestive heart failure; and
6. not have used , or been prescribed, home oxygen during the 12 months prior to the effective date; and
7. not have a diagnosed unrepaired aneurysm of 4.5 centimetres or more; and
8. not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness; and
9. not be experiencing new or undiagnosed symptoms and/or know of any reason to seek medical attention; and
10. not have had your most recent heart surgery (heart bypass, heart angioplasty, (including stent placement) heart valve surgery or implanted pacemaker (excluding battery replacement)) less than 6 months or more than 12 years prior to your effective date.
All inclusive
To be eligible for coverage you must:
1. be a Canadian resident covered by your government health insurance plan for the entire duration of your trip; and
2. purchase coverage within 7 days of the initial deposit for your trip or prior to any cancellation penalties being applicable; and
3. purchase coverage for the full value of the non-refundable, pre-paid travel arrangements; and
4. purchase coverage for the entire duration of your trip; and 5. purchase coverage prior to the date of departure from your province or territory of residence or Canada; and
6. on the effective date,
a. be at least 15 days of age and less than 74 years of age travelling for no more than 31 days; and
b. not have been diagnosed with congestive heart failure; and
c. not have used or been prescribed home oxygen during the 12 months prior to the effective date; and
d. not have a diagnosed unrepaired aneurysm of 4.5 centimetres or more; and
e. not be travelling against the advice of a physician and/or have not been diagnosed with a terminal illness; and
f. not be experiencing new or undiagnosed symptoms or know of any reason to seek medical attention; and
g. not have had your most recent heart surgery (heart bypass, heart angioplasty, (including stent placement) heart valve surgery or implanted pacemaker (excluding battery replacement)) less than 6 months or more than 12 years prior to your effective date; and
7. know of no reason that you, an immediate family member, a travel companion, a travel companion’s immediate family member, or business partner would be unable to start or complete the trip as booked.
Benefits
Check the Coverage and Benefits comparison table to find out which plan is more suitable for you.
Emergency Medical coverage:
EMERGENCY HOSPITALIZATION
• Semi-private room
• Emergency room fees
• Emergency out-patient services
PHYSICIAN CHARGES
Medical treatment by a legally licenced physician, surgeon, anesthetist
DIAGNOSTIC SERVICES
Lab tests & x-rays part of emergency medical treatment. MRI, CAT, cardiac catheterization, sonograms, ultrasound, digital x-rays, biopsies with approval
MEDICAL APPLIANCES
With prior approval up to purchase price
PRIVATE DUTY NURSE
Policy Limit
PRESCRIPTIONS
30-day supply
PARAMEDICAL
$500 per provider
DENTAL
• Accident: $5,000 maximum
• Pain: $500 maximum
EMERGENCY TRANSPORTATION
• Licensed ground ambulance or taxi $10,000 maximum
• Airfare (with prior approval) $250,000 maximum: -Economy airfare to Canada -Airline with medical attendant Additional seats if required -Air Ambulance
REPATRIATION OF REMAINS
• $10,000 repatriation
• $5,000 cremation or burial
TRANSPORTATION TO BEDSIDE
Economy airfare + $150/day - $3,000 maximum
MEALS & ACCOMMODATION
$150/day - $3,000 maximum
HOSPITAL ALLOWANCE
$50/day - $500 maximum
RETURN OF CHILDREN
Economy airfare
RETURN OF TRAVEL COMPANION
Economy airfare
PET RETURN
$500 maximum
VEHICLE RETURN
$4,000 maximum
EXCESS BAGGAGE RETURN
$500 maximum
Non-Medical coverage:
TRIP CANCELLATION
Sum insured up to $15,000
TRIP INTERRUPTION
Sum insured up to $15,000
HOTEL AND MEAL EXPENSES
$300/day – $600 maximum
EXCURSION/EVENT TICKETS
$100 each - $500 maximum
GREEN FEES
$100/day – $400 maximum
LIFT TICKETS
$100/day – $400 maximum
PET BOARDING
$100 maximum
BAGGAGE
Includes coverage for personal effects, document replacement, baggage delay, wheelchair, and/or injury of accompanying dog or cat
$1,000 maximum per trip
ACCIDENTAL DEATH
$25,000 maximum
REPATRIATION OF REMAINS
• $10,000 repatriation
• $5,000 cremation or burial
FLIGHT ACCIDENT
$150,000 maximum
COMMON CARRIER
$75,000 maximum
All inclusive plan includes both medical and non-medical coverage.
Price
Considering price, we offer lower price with better coverage compare to other insurance providers.
For example, you can check CIBC website and see that the medical coverage is $51.15 for 21 years old guy traveling to Cancun for 15 days. We offer the same coverage at $42 (from Berkley insurance) or $39 (from Travelance insurance).
Moreover, our plan does not have any deductible, so you will get all your money back!
Now which one do you choose?
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