FAQ's Travel Insurance
Do I need travel insurance?
In short, yes. There are many reasons why you should consider the protection of travel insurance for your upcoming vacation or business trip. To help you decide if travel insurance is right for you and your family, here is some useful information:
Medical emergency If you get sick or injured while away, your hospital bills can easily add up to $5,000 per day. Your provincial health plan covers only a small part of the charges that are generally incurred with a visit to a hospital. Our policies cover up to $5 million for Canadian residents.
What about lost or stolen baggage?
Baggage insurance will cover you in the event of this common inconvenience. There are many other important reasons for you to be protected by travel insurance. Please read more about our plans.
When can I purchase my Visitors to Canada insurance?
If you purchase your policy:
- after you have exited your country of origin; or
- less than 5 days prior to the expiry date of your existing policy; or
- after the expiry date of an existing policy, then coverage for losses resulting from any sickness will begin 48 hours after the effective date
any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.
Can I change my existing travel coverage?
If your trip will last longer then anticipated, we can extend your coverage. Your policy may also be modified provided that no claim has been incurred under your original policy. Simply phone our consumer sales center and an advisor will be happy to assist you.
What if I am pregnant?
If you are a Canadian resident, our plans provide you with some coverage relating to pregnancy. Expenses which are routine or elective and which occur within the first 32 weeks of your pregnancy or any expenses after the 32nd week of pregnancy are excluded. Expenses for an infant less than 15 days old are excluded. For infants older then 15 days, you need to purchase a family policy. Please call our consumer sales centre to be certain of your coverage. Visitors to Canada insurance does not cover any expenses related to pregnancy.
Will I be able to resume my vacation if I am air-evacuated?
Yes, you can with Emergency Hospital & Medical Plans for Canadians, when your air evacuation was arranged and coordinated by Insurance Provider. Your policy will not expire once you return to Canada. As long as your policy is in force, you will be able to resume your vacation. Insurer will pay for a one-way economy flight for you to return to the city where the evacuation commenced so you can continue your vacation.
How long will it take to process my claim?
Upon receipt of all substantiating information, your claim will be processed within five working days.
