Fast Protection for Every Trip Outside Canada
Why You Need Travel Insurance Outside Canada
A common myth among Canadian travelers is that provincial healthcare plans (like OHIP in Ontario or MSP in British Columbia) will cover hospital bills if an emergency happens in the United States or overseas.
The truth is that provincial governments cover less than 10% of out-of-country medical expenses. If you suffer a heart attack in Florida or break a leg skiing in the Alps, the local hospital will charge you international private rates. A single day in a U.S. intensive care unit can exceed $15,000 CAD. Your provincial health plan might reimburse you only $200 to $400 for that same day — you are responsible for paying the massive difference out of your own pocket.
The Truth About Provincial Healthcare Limits Abroad
Foreign hospitals do not accept Canadian provincial health cards at the billing desk. If you do not have private emergency medical coverage abroad, you will likely be forced to provide a credit card with a massive limit before receiving treatment. Our policies focus on “Direct Billing” networks — the insurance provider coordinates directly with the foreign hospital to settle the invoices, keeping your personal savings safe.
Emergency Medical Coverage Abroad for Every Traveler
No two trips are exactly alike, which is why we offer flexible options tailored to your specific travel habits. Whether you fly out once a year or cross the border every other weekend, we have a plan that fits.
Single-Trip vs. Multi-Trip Annual Plans
Single-Trip Insurance: Perfect for the occasional traveler going on a specific vacation, such as a two-week honeymoon in Mexico or a one-month tour of Asia. You only pay for the exact days you are away.
Multi-Trip Annual Plans: Designed for frequent flyers, business travelers, or families who make multiple short trips to the USA. You pay one annual premium and are automatically covered for an unlimited number of trips (usually up to 15, 30, or 60 days per trip) throughout the year.
Coverage for Snowbirds and Extended Vacations
For Canadian “Snowbirds” escaping the cold winters, specialized coverage is non-negotiable. Extended stays in the USA, Mexico, or the Caribbean carry a higher statistical risk of medical events simply due to the length of the trip. We specialize in Snowbird policies that include comprehensive coverage for extended durations, ensuring you are protected for your entire four-to-six-month stay.
Common Questions
Will this cover extreme sports or activities?
Standard travel insurance outside Canada covers normal tourist activities. However, if you are planning to go scuba diving, rock climbing, or backcountry skiing, you must declare this. We can easily add a “Sports and Activities Rider” to ensure you are fully protected while chasing your next thrill.
Can I buy insurance after I have already left Canada?
If you forgot to buy insurance and are already sitting on the beach in another country, you can still purchase a policy. However, standard industry rules apply: there will be a “Waiting Period” (usually 48 hours to 7 days) before any illness-related claims are covered. Accidental injuries are typically covered immediately.
Does travel insurance cover lost luggage and trip delays?
While our primary focus is on life-saving medical coverage, we also offer comprehensive “All-Inclusive” plans. These upgraded packages cover trip cancellation, trip interruption, lost baggage, and flight delays, adding an extra layer of protection to your investment.