Out of province travel insurance - plan/price comparison

For traveling outside the province of your resident, basically you have 3 options:

  1. Emergency medical plan,

  2. Non-emergency plan, and

  3. 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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