Travel Insurance FAQ

Your provincial health plan covers less than 10% of medical costs outside your home province. Ontario’s OHIP pays about $50 for an ER visit abroad; BC’s MSP pays $28.90 for a doctor visit. A broken leg in the US can cost $50,000+. Emergency medical travel insurance covers the gap — up to $5,000,000 CAD on eligible plans.

Up to $5,000,000 CAD per insured person for eligible emergency medical expenses — hospital stays, surgery, doctor visits, prescriptions, ambulance, and more.

Yes — Sacraw’s emergency medical plans include COVID-19 treatment, subject to the policy wording and any active Government of Canada advisory. See Coverage Alerts.

If you’re travelling in the US and feeling unwell, call the TuGo-operated telemedicine line at 1-866-419-9038. You’ll be connected with a certified physician within an hour who can recommend treatment and prescribe medication — by phone, in 10+ languages. No clinic visit, and your deductible doesn’t apply.

Yes. Provincial plans don’t fully cover you outside your home province — ambulance, prescriptions, dental emergencies, and return of your vehicle may not be covered. A Travel Within Canada plan fills these gaps, with no stability requirement for pre-existing conditions.

There’s no blanket age denial. For travellers 60+ on trips of more than two days outside their home province, a short medical questionnaire during the quote sets the premium — not whether you’re eligible. See seniors coverage.

Yes — a Canadian host can buy a Visitors to Canada or Super Visa policy on behalf of a visiting parent or grandparent. See Super Visa insurance.

Often yes — provincial coverage may not start immediately or at all. See student insurance.

Often yes — if the condition has been stable for the policy’s required period. That period depends on the product and your age: on Visitors to Canada (and Super Visa) it’s 120 days if you’re 59 or under, 180 days for 60–69, and 365 days for 70+; on the Traveller plan it ranges from 7 days up to 365 days; Student plans use a single 90-day period. Full explainer: pre-existing conditions & stability.

As soon as you book — trip cancellation coverage only protects costs from the date your policy starts, so buying early covers more. Emergency medical can be bought any time before you depart.

Official advisories can affect coverage. If the Government of Canada issues an “Avoid all travel” advisory for a region, claims arising there may not be covered. Check Coverage Alerts before you go.

It reimburses prepaid, non-refundable trip costs if you have to cancel for a covered reason (such as illness or injury). Covered reasons and limits are defined in the policy wording.

All claims and 24/7 emergency assistance are handled by TuGo. In an emergency, call TuGo’s assistance line — the numbers are on your policy confirmation and the Claims page — first. The Sacraw 1-833-SACRAW-8 line and on-site assistant are for sales and information only, never claims.

It depends on the situation. For emergencies, calling TuGo’s assistance line first means they can often arrange and coordinate care directly. Always call before incurring major costs where possible.

There’s no fixed price. Your premium depends on age, trip length, destination, the coverage amount and the deductible you choose — get an exact quote in minutes. See how much is travel insurance.

You can choose your deductible, and a higher deductible lowers your premium. Visitors to Canada plans offer $0, $150, $500, $1,000, $2,500, $5,000 or $10,000; the Traveller plan offers $0, $300, $500, $1,000, $2,000, $5,000, $10,000, $25,000, $50,000 or $100,000. Telemedicine has no deductible. Your exact deductible is shown in the quote and policy.

For a cruise you generally want emergency medical coverage (ships and foreign ports are outside your provincial plan), plus trip cancellation/interruption and baggage. Get a quote with your cruise dates and ports.

People search “broker,” but the precise term is agency: Sacraw Financial is a licensed insurance agency in Ontario, regulated by FSRA, serving travellers province-wide, online and by phone at 1-833-SACRAW-8. See our Ontario page.

In about two minutes online — get a quote, choose your plan, and you’re covered. No signup required.