Travel Insurance

Why do you need Travel Insurance

Travel insurance is a plan that you buy to protect you from specific financial risks and losses that might happen while you are travelling. These losses might be trivial, such as a misplaced bag, or major, such as last-minute trip cancellation or an international medical emergency.

Your Canadian health insurance may not pay your medical fees while you are outside Canada. Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front. Foreign hospitals can be very expensive and may require immediate cash payment. Your vacation might end up with a financial loss if you don’t have travel insurance.

Travel Medical Insurance

Whether you’re traveling for business or pleasure, unexpected medical and health problems can occur. A trip out of the province can also incur expenses which are not covered by OHIP. A travel medical insurance policy can cover you up to $5M with 24/7 worldwide emergency medical assistance.

Visitor to Canada Insurance

Canada does not pay for hospitals or medical services for visitors. If you are having friends or family visiting from outside Canada, you want to have a memorable time, be sure to purchase Visitors to Canada Insurance to cover any unexpected medical emergencies. With Visitors to Canada Insurance, you’ll enjoy the peace-of-mind knowing you’re covered for medical services, hospitalizations, prescription drugs and more, should you experience an unforeseen accident or illness during your stay in Canada. Contact us to know more about Visitors to Canada insurance.

Super Visa Insurance

Super Visa is a visa for parents and grandparents who want to visit their families in Canada for longer periods. Applicants are required to purchase private Canadian medical insurance valid for at least one year. You should be aware that if you have sponsored their stay, you are liable for their medical expenses. This is one of the reasons why a Super Visa candidate must have the appropriate medical insurance coverage in place for the duration of their stay.

Student Medical Insurance

Student Medical Insurance is designed specifically for students – whenever they travel to study. If you are a Canadian studying abroad or in another Canadian province/territory, or if you are an international student studying in Canada, Insure Saathi’s Student Medical Insurance is the way to get coverage for up to $2M in benefits if a medical emergency strikes unexpectedly.

Baggage Insurance

Canada residents traveling outside of their home provinces will benefit from the Baggage Insurance Plan if their baggage is lost or delayed. Payment for bags and personal possessions that are lost, damaged, destroyed or stolen anywhere in the world, coverage for stolen cash due to theft or robbery is reimbursed, upto the maximum limit.

Trip Cancellation & Interruption Insurance

Whether your vacation is cancelled before you leave or you are forced to return ahead of schedule due to a covered reason, you have an insurance option that can help you avoid incurring needless costs. Trip Cancellation Insurance may be able to pay you for non-refundable trip expenses on prepaid travel as well as cancellation costs you may incur, such as penalties for cancelling a booked flight.

Travelling Canadian Insurance

Whether you’re traveling for business or pleasure, unexpected trip and health problems can occur. Help protect your trip and keep disruptions to a minimum with insurance for traveling Canadians – simple, affordable coverage for emergency medical expenses, baggage loss, trip cancellations and more.

Visitor to Canada Insurance

If you are planning a trip to Canada or have friends and family coming, you’ll want to make the most of your time here. If you have a medical emergency, travel medical coverage that is straightforward, inexpensive, and quick to use can help you cover the costs, so you don’t end up paying out-of-pocket. Visitors can get emergency medical care and more with Visitors to Canada insurance.

Super Visa Insurance

Residents of Canada can obtain medical insurance on behalf of their visiting family members who are part of the Super Visa program, but they should be aware that if they have sponsored their stay, they are liable for their medical expenses if they are unable to pay. This is one of the reasons why a Super Visa candidate must have the appropriate medical insurance coverage in place for the duration of their stay.

Student Medical Insurance

You’ve made the decision to continue your study in Canada. That’s fantastic. It will undoubtedly be a worthwhile experience. However, because anything may happen when you’re away from home, such as an illness or injury, be sure you’re covered. Talk to us about travel insurance right now.

Baggage Insurance

Visitors to Canada and Canadian citizens traveling outside of their home provinces will benefit from the Baggage Insurance Plan. Payment for bags and personal possessions that are lost, damaged, destroyed, or stolen anywhere in the world, on land, sea, or air. Coverage for stolen cash due to theft or robbery and reimbursed for personal items, if your baggage is delayed, up to the maximum limit.

Trip Interruption Insurance

Whether your vacation is canceled before you leave or you are forced to return ahead of schedule due to a covered reason, you have an insurance option that can help you avoid incurring needless costs. It’s a clever approach to assist you to recoup qualifying expenditures when planned vacations are canceled due to unforeseen circumstances. In the case of illness, accident, or airline delays, you will be reimbursed for qualified travel expenditures. Trip Cancellation Insurance may be able to pay you for non-refundable trip expenses on prepaid travel as well as cancellation costs you may incur, such as penalties for canceling a booked flight.

F.A.Q.

Why you should buy travel health insurance

Your provincial medical insurance may not pay your medical expenses while you are outside your province.
Foreign hospitals can be very expensive and may require immediate cash payment.
In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills.

Know what you're buying

Carefully research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions.

Is there a deductible, and how much is it? Plans with 100-percent coverage are more expensive but may save money in the long run.
Does the plan exclude or greatly limit coverage for certain regions or countries you may visit?
Does it offer coverage that is renewable from abroad and for the maximum period of stay?
Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
Does it pay for hospitalization for illness or injury and related medical costs at your destination?
Does it pay your bills or cash advances up front, so you don’t have to pay them?

Meet the terms of your policy

It is your responsibility to know and understand the terms of your insurance policy. Read the fine print carefully and ask for help, if you need it.

The information you provide must be accurate and complete. If you have any questions, contact your insurance advisor.

Get approval from your insurer before you undergo medical treatment. Travel health insurance rarely covers routine health checkups, non-emergency care and cosmetic surgery. It may not cover mental health disorders, drug- or alcohol-related incidents, or extreme sports such as bungee jumping and rock climbing.

Get a detailed report and invoice from your doctor or hospital before leaving the country where you received medical treatment. Trying to get the proper paperwork from thousands of kilometres away can be frustrating. Always submit the original receipts for medical services or prescriptions you received abroad. Keep a copy of the documents for your files.

Carry your insurance information with you while you are travelling. Leave a copy of the information with a friend or relative at home.

Check for Travel Advisories

Check the Travel Advice and Advisories for your destination twice: once when you are planning your trip and again just before you go.

Your insurance company may not pay your medical claim if the Government of Canada has issued a Travel Advisory for your destination.