Coverage Details
Everything you need to know about what's covered — in plain language.
How much does your province cover abroad?
Select your province to see the gap between what your health plan pays and what treatment actually costs.
Your province covers less than 10% of costs abroad.
Our plans cover the other 90%+ — up to $5,000,000.
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. Your provincial health plan covers less than 10% of medical costs abroad — Ontario's OHIP pays just $50 for an ER visit, BC's MSP pays $28.90 for a doctor visit. A broken leg in the US can cost $50,000+. Our Emergency Medical Insurance covers up to $5,000,000 CAD — including COVID-19.
What's covered:
- Hospital stays and surgeries
- Doctor and specialist consultations
- Prescription medication
- Ambulance and emergency transport
- Dental emergencies
Real claim: 39-year-old Bridgette was skiing in Vernon, BC when she crashed into a tree, suffering traumatic kidney injuries. Air ambulance fees: $6,296.60. Doctors' fees: $624.69. Her provincial plan didn't cover it. Amount paid by her Emergency Medical policy: $6,921.29.
Trip Cancellation
Life happens. If you need to cancel your trip for a covered reason, we reimburse your prepaid, non-refundable costs — flights, hotels, tours, and more.
Covered reasons include:
- Illness or injury (you or immediate family)
- Natural disaster at destination
- Job loss or relocation
- Government travel advisories
Baggage & Personal Effects
Lost luggage? Stolen camera? We cover the replacement cost of your personal belongings, plus emergency essentials if your bags are delayed.
What's covered:
- Lost, stolen, or damaged luggage and personal items
- Emergency purchase of essentials if bags are delayed 12+ hours
- Travel documents (passport, visa) replacement costs
- Electronics, cameras, and personal valuables (subject to per-item limits)
Per-person coverage
Per-item limit
Delay threshold
Emergency Evacuation
Medical evacuations can cost over $100,000 out of pocket. Our coverage handles 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 averages $150,000–$250,000. From the US, a 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, starting at $0.38/day. Plus a 5% discount when you renew.
What's not covered?
We believe in full transparency. Here are common exclusions you should know about before purchasing:
- Unstable pre-existing conditions — conditions that changed within the stability period (7–365 days depending on age)
- Extreme sports without addon — backcountry skiing, skydiving, wingsuit flying require Sports & Activities Coverage
- Travel against medical advice — if your doctor advised against travel
- Destinations under government advisories — "Avoid all travel" advisories at time of departure
- 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 coverage. Get your price in 2 minutes.
Get a QuotePlan 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 | |||
| 24/7 Telemedicine | |||
| MyFlyt (flight delay perk) | |||
| MySIM (3GB eSIM) | |||
| Air Evacuation & Repatriation | |||
| Trip Cancellation & Interruption | |||
| Cancel for Any Reason | Add-on | Add-on | Add-on |
| Sports & Activities | Add-on | Add-on | Add-on |
| Baggage Insurance | Add-on | Add-on | Add-on |
| Rental Car Protection | Add-on | Add-on | Add-on |
| 5% Annual Renewal Discount | |||
| Family & Friends Rate |
