Voyage & Santé

Travel Insurance: Protect Your Health, Budget, and Peace of Mind

Traveling means discovering the world and facing the unexpected.

A sudden illness, an accident, a cancelled flight, or lost luggage can quickly turn a dream trip into a financial nightmare. Travel insurance is the essential solution for traveling safely, both within Canada and internationally.

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What is Travel Insurance?

Travel insurance is financial protection that covers risks related to travel, whether personal or professional. It steps in when unforeseen events occur before or during your trip, avoiding often very high costs, especially abroad.

Attention : Note: RAMQ and provincial insurance plans cover very little (or nothing at all) of healthcare costs outside Quebec.

What is Travel Insurance for?

Cover emergency medical expenses abroad
Protect against trip cancellations or interruptions
Reimburse lost or stolen luggage
Offer 24/7 assistance, anywhere in the world

Why Buy Travel Insurance?

Because a single incident can cost more than years of insurance premiums.

Hospitalisation (USA) Hospitalization in the US: $5,000 to $10,000 per day

Transport d'urgence Emergency medical transport: $20,000 to $100,000

Annulation Trip cancellation: Non-refundable tickets and hotels

"Travel insurance is not an expense; it is a strategic protection."

Main Types of Coverage

1. Emergency Medical Insurance

This is the most important coverage. It covers medical care, hospitalization, doctors, tests, medication, ambulance, and repatriation to Canada.

2. Trip Cancellation Insurance

Reimburses expenses if you must cancel your trip for a covered reason (illness, accident, death of a relative, work emergency).

3. Trip Interruption Insurance

Covers additional costs if you must return early or extend your stay due to a covered incident.

4. Baggage and Personal Effects

Protects against theft, loss, or delay of your luggage.

5. Annual Insurance (Multi-Trip)

Ideal for frequent travelers: one policy for multiple trips per year. Economical and convenient.

Who is Travel Insurance for?

Occasional or frequent travelers
Families, couples, and retirees
Students studying abroad
Workers and business people
Newcomers and visitors to Canada

Frequently Asked Questions

No, but it is considered essential. Your provincial health insurance plan (RAMQ) is often insufficient to cover the high costs of healthcare received outside Canada.

Possibly, but these plans often have significant limitations (amounts, duration, age). It is crucial to read your policy carefully before leaving.

At a minimum: Emergency medical care, Medical evacuation (transport back to Canada), and Repatriation in case of death.

Insurers apply a "stability period" (e.g., 90 days) before departure. If your condition changed during this period, the condition may be excluded.

Usually, the insurer pays directly. But it is ESSENTIAL to contact the insurer's assistance BEFORE going to the hospital, otherwise you might have to pay.

If you extend your stay, contact your insurer before your initial contract ends to extend your coverage.

Protect Your Trip Now

Don't let the unexpected ruin your health or your budget. Talk to an advisor and get travel insurance tailored to your destination, duration, and profile.

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