Coverage Details
Everything you need to know about what's covered — in plain language.
The reality
Why travel insurance matters
What does emergency medical travel insurance cover?
Emergency medical travel insurance covers hospital stays, surgeries, prescriptions, ambulance, and doctor visits when you're outside your home province. OHIP pays limited amounts for emergency medical care received outside Canada, and most other provincial plans also reimburse only a small fraction of foreign rates. Hospital care in the US can run into the tens of thousands of dollars. The Emergency Medical plan covers up to $5,000,000 CAD on eligible plans — including COVID-19.
What's covered:
- Hospital stays and surgeries
- Doctor and specialist consultations
- Prescription medication
- Ambulance and emergency transport
- Dental emergencies
How it works when it’s tested. Picture a skier near Vernon, BC — catches an edge, hits a tree, traumatic internal injuries, an air ambulance off the mountain. Bills like these add up fast — roughly $6,300 to fly out, about $625 in doctors’ fees — and a provincial plan covers little of it. On an eligible plan, emergency medical like this is covered, every cent. That’s the whole point: the coverage shows up on the worst day, not the easy one. Illustrative scenario.
Trip Cancellation
Life happens. If you need to cancel your trip for a covered reason, the plan reimburses your prepaid, non-refundable costs — flights, hotels, tours, and more.
Covered reasons include:
- Illness or injury (you or immediate family)
- A natural disaster during your trip or within 90 days before departure rendering your or your travelling companion's principal residence uninhabitable or place of business inoperative
- Job loss or relocation
- Government travel advisories
Baggage & Personal Effects
A missing bag is a nuisance, not a ruined trip. This optional add-on covers lost luggage and clothing — plus up to $200 for necessities if bags are delayed over 12 hours.
What's covered:
- Lost, stolen, or damaged luggage and personal items
- Emergency purchase of essentials if bags are delayed 12+ hours
- Up to $100 for currency lost to theft or robbery. A police report is required.
- Up to $1,500 per insured person. Any single item is limited to 25% of that total.
Not covered: cameras, phones, laptops and other electronics, jewellery, glasses, and passports or other documents.
Baggage Loss & Delay is an optional add-on on single-trip plans. Coverage amounts, per-item limits, and the delay threshold are set out in your policy wording. Add it in your quote.
Emergency Evacuation
Medical evacuations can cost over $100,000 out of pocket. The plan covers transport to the nearest adequate medical facility or repatriation home — by air ambulance if necessary.
What's covered:
- Air ambulance to nearest adequate medical facility
- Repatriation to Canada when medically stable
- Return of travelling companion if you're evacuated
- Return of mortal remains
Key fact: An air ambulance from Asia to Canada can cost $150,000–$250,000. From the US, a medical helicopter transfer alone can exceed $40,000. All of this is covered under your Emergency Medical policy — no separate evacuation plan required.
Read the Full Policy
We encourage you to read the complete policy wording before purchasing. These documents contain the full terms, conditions, exclusions, and definitions.
Travel often? Save with Multi Trip Annual.
Unlimited trips per year on one policy — price varies, get your quote. Plus a 5% discount when you renew.
What's not covered?
Here are common exclusions worth knowing before you buy:
- Unstable pre-existing conditions — conditions that changed within the stability period (7–365 days depending on age)
- Listed sports without the add-on — backcountry skiing, skydiving, wingsuit flying and the other listed activities require Sports & Activities Coverage
- Travel against medical advice — if your doctor advised against travel
- Conditions related to government advisories — "Avoid all travel" or "Avoid non-essential travel" advisories issued before your policy effective date or travel date
- Elective or cosmetic procedures — non-emergency treatments performed abroad
For the complete list, request a sample policy by email.
Ready to get covered?
Up to $5M emergency medical on eligible Traveller plans. Get your price in 2 minutes.
Get my pricePlan Comparison
| Feature | Single Trip | Single Trip + Protection | Multi Trip Annual |
|---|---|---|---|
| Emergency Medical | Up to $5M | Up to $5M | Up to $5M |
| 24/7 Emergency Assistance | |||
| COVID-19 Coverage | |||
| Telemedicine (varies by plan) | |||
| Flight-delay benefit — MyFlyt (eligible plans) | |||
| Air Evacuation & Repatriation | |||
| Trip Cancellation & Interruption | Add-on | ||
| Cancel for Any Reason | Add-on | Add-on | |
| Sports & Activities | Add-on | Add-on | Add-on |
| Baggage Insurance | Add-on | Add-on | |
| Rental Car Protection | Add-on | Add-on | |
| Accidental Death & Dismemberment | Add-on | Add-on | Add-on |
| 5% Annual Renewal Discount (medical premium; travellers 58 and under) | |||
| Family & Friends Rate |
On a single trip with no prepaid cost entered, the plan covers trip interruption only. The $5,000,000 maximum shown applies to eligible Canadian Traveller plans only. Visitors to Canada and Super Visa plans provide emergency medical coverage up to $300,000 (IRCC minimum $100,000), and can add accidental death & dismemberment, trip cancellation & interruption, and coverage for listed sports and activities. Telemedicine and the MyFlyt flight-delay benefit are included on eligible plans; provider and availability vary by plan and destination (telemedicine is online in Canada on Visitor/Student plans and by phone for U.S. travel on Worldwide Traveller plans; MyFlyt requires advance flight registration).
In a medical emergency abroad, call the assistance line as soon as possible so the team can direct your care and coordinate billing with the hospital. Multilingual, collect calls accepted (though many countries have discontinued this service).
All emergency numbers — including direct hospitalization and Mexico lines — are on the claims & emergency page. Assistance is provided by TuGo, the policy administrator.
