Our Services
Travel Insurance
Explore the world with confidence, knowing you're fully protected.
What is Travel Insurance?
Travel insurance protects you from unexpected costs that arise when travelling outside your province or country. Canadian provincial health plans offer very limited coverage abroad — a single medical emergency in the US can cost $50,000 or more.
Key Benefits
- Emergency medical coverage up to $5 million
- Medical evacuation and repatriation
- Trip cancellation and interruption coverage
- Lost, stolen, or delayed baggage coverage
- Flight delay and missed connection benefits
- 24/7 emergency assistance hotline
- Pre-existing condition coverage (with proper declaration)
- Available for single trips and annual multi-trip plans
Why Do You Need It?
Provincial health plans cover very little outside Canada — often less than 10% of actual foreign medical costs. Travel insurance is one of the most cost-effective types of insurance you can buy.
Frequently Asked Questions
Does my credit card travel insurance cover everything?
Credit card travel insurance is typically limited in coverage amount, duration, and covered conditions. It often excludes pre-existing conditions and has short coverage windows. A dedicated travel insurance policy provides far more comprehensive protection.
Can I get coverage for pre-existing medical conditions?
Yes, with proper declaration. Many policies cover stable pre-existing conditions if they have been stable for a defined period (usually 90–180 days). It's important to disclose all conditions accurately.
What is the difference between single trip and annual multi-trip insurance?
Single trip insurance covers one specific trip. Annual multi-trip covers unlimited trips within a year up to a maximum per-trip duration (usually 15–60 days). Frequent travellers typically save money with annual plans.
Is travel insurance required for a Canadian visa or Super Visa?
Super Visa insurance is a specific requirement for parents and grandparents visiting on a Super Visa. Regular travel visas do not require insurance, but it is strongly recommended.
Book a Free Consultation
Speak with Tushar Patel today for personalized, no-obligation advice.
Book Free Consultation (416) 500-2905Ready to Get Covered?
Let Tushar Patel find the right policy for you. Free consultation, no pressure.
Book Free Consultation