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Policy wording

Emergency Medical Insurance

   (Single-Trip and Multi-Trip)

Key Features

Summary of Medical Coverage

Eligibility & Medical Questionnaire

    (for applicants 60 years old and over)

Pre-Existing Medical Conditions


Non-Medical Plans (Single & Multi Trip)




What to do if you get sick or injured

Group Medical Services

TravelStar® Travel Insurance

Get a quote and  purchase this insurance contract online directly from the insurance company Group Medical Services: please, click the link below and follow the on-screen prompts. Click here if you need assistance.


Before purchasing the contract, please refer to the policy wording for information on the coverage provided, exclusions and conditions.


For assistance and to buy a policy over-the-phone, please call at

 416-493-0101 , 1-877-443-0101

Important Notice regarding claim procedure !

In the event of medical emergency, you, or someone on your behalf, must contact GMS assistance centre prior to treatment whenever possible. Failure to contact GMS assistance centre within twenty-four (24) hours of receiving medical treatment or admission to hospital will limit benefits otherwise payable to 70% of eligible charges to a maximum of $50,000. Claims for Trip Cancellation & Interruption, Baggage Loss or loss of Sports or Computer Equipment must be reported within seven days of the cause of the claim.


What coverage you will get

Emergency Medial Insurance

Eligibility. You must have valid provincial health coverage for the entire trip length for this insurance to be valid. All applicants have to meet Eligibility Requirements (section 1) when applying for this policy.

Applicants 60 (sixty) years of age and over must complete a medical questionnaire at the time of application for emergency medical insurance to determine rate category (Eligibility&Medical Questionnaire ).

If you are 16 years of age or older and have used tobacco or tobacco products in the last 24 months, a 8% smoking surcharge applies.


Single Trip Daily Emergency Medical
TravelStar® Daily protects you in the event of medical emergencies when you’re traveling out of province or out of Canada. It provides up to $5 million coverage for a complete complement of emergency benefits, travel for short and long-term trips, no age restrictions, and 24-hour worldwide travel assistance.

Deductible: Automatic $250 deductible; $0 deductible  is available for 10% surcharge. Deductible $1,000 - 10% discount, deductible $5,000 - 20% discount.

$0 deductible is not available for trips over 180 days.


Multi-Trip Annual Travel Emergency Medical
A great plan for business and casual travelers. The Multi-Trip Annual Travel plan provides emergency medical coverage for travel outside your province or outside Canada for trips under 15 and 30 days. Buy it once and take as many trips as you want in a year. To purchase the Multi-Trip Annual Travel Plan, you must be age seventy-nine (79) or less at the effective date. No deductible.

Emergency Medical Benefits




Hospital accommodations up to semi-private rooms and hospital services and supplies necessary for emergency care during hospitalization.  

Medical Services

Treatment by physician or surgeon.

Diagnostic Services

X-rays and other diagnostic tests.

Out-Patient Treatment

Out-patient emergency room charges.

Prescription Drugs

Prescription drugs and medication prescribed by a physician. Maximum of a thirty (30) day prescription.

Private Duty Nursing

Up to maximum $5,000 per person

Road Ambulance

Covers expenses for the use of a licensed road ambulance in the emergency situation to the nearest  hospital.

Air Ambulance

Covers expenses for the use of an air ambulance or regularly scheduled airline to transport you back to your province of residence for further in-hospital treatment.

Remote Evacuation

Up to maximum of $5,000 for evacuation form remote location to nearest accessible hospital

Special Attendant

One round-trip, economy class airfare for a medical attendant to accompany you back to your province of residence.

Paramedical Services

Up to $300 for the emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist.

Accidental Dental

Up to $2,000 per injury and up to $250 for the relief of dental pain.

Return of Remains

Preparation and transportation to your country of origin, destination in Canada, or the cost of cremation or burial at the place of death.

Child Care

If you are hospitalized, up to $500 for licensed child care for a dependant that is traveling with you.

Out of Pocket Expenses

Accommodations, meals, phone calls and taxi or bus fares incurred by an accompanying family member in the event hospitalization continues after the policy expiry date.

Coverage Continuation

If coverage expires while hospitalized, coverage will continue for all covered persons up until 72 hours after discharge from the hospital.

Other Benefits

Return of Family Member, Family to Bedside, Family Transportation, Return of Vehicle, Return of Cat or Dog, Escort of Insured Children

24-Hour Travel Assistance Services

Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; monitoring of progress during treatment and recovery by managed care.

This is a summary of the benefits. Please read the Policy wording before purchasing the policy for more details on the coverage provided, conditions, exclusions and claim procedure. 


Exclusions and limitations.  Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read them and understand the policy before you buy this insurance.

A Pre-Existing Medical Condition exclusion may apply to a medical condition and/or symptoms that existed prior to your trip. This policy pays for emergency medical expenses relating to pre-existing medical conditions which have been stable in 180 days before the effective date of the policy.

Non-Medical Plans (Single Trip and Multi Trip)

   Trip Cancellation & Interruption (Maximum coverage of $10,000 after departure)*

   Baggage Loss, Damage&Delay (coverage up to $1,500)


* You must purchase this Trip cancellation &interruption insurance:

- prior to your departure date;

- where travel arrangements are non-refundable {including a non-refundable deposit) you must purchase within seven (7) days of the booking date;

- where refundable travel arrangements impose a future restriction on refunds or cancellation penalties, you must purchase prior to the restriction or penalty being in effect;

- your trip must be purchased through a travel supplier or arranged through a licensed travel agent;


Coverage Enhancements (Single Trip and Multi Trip)

 Loss of Sporting Goods

 Loss of Computer Equipment

 Increased per item Baggage Limit

 Trip Delay Upgrade

This is a summary of the benefits.  Please refer to  the Policy wording for details on the coverage provided, conditions, exclusion and claim procedure.  

Get a quote and buy online


 How to get a quote online

1. Click the button above <Get a quote and buy online> and you will be redirected to the Group Medical Services secured website.

2. Choose the plan: Emergency medical insurance, Trip cancellation & Interruption, Bundled coverage.

3. Select Single-Trip or Multi-trip plan

4. Enter all  information required

4. Make sure that you are eligible for this policy: click on <Review> eligibility requirements on the right side of the page.

5. If you are 60 years old or over, you can complete the medical questionnaire to get an accurate quote. Please read the questions carefully - correct and truthful answers are very important.

7. Click on <Continue> at the bottom of the page.

7. Choose your deductible and refresh your quote in the section < Modify Your Plan> . Get your quote for the plan selected.

To top up your existing policy, please choose a top-up option on the right side of the page. 

8. Click on <Continue> to apply for the policy.

 How to buy this insurance policy online

 1. Enter all information required on the online application. Follow the on-screen prompts. 

If you are 60 years old or over and did not complete the medical questionnaire when getting a quote, you will be asked to answer a number of medical questions to determine your rate category. Your quote will be corrected depending on your answers to the medical questions.

Click on <Continue>

2. Please check a small box on the left side of the page against <Eligibility Requirements>. Read carefully Eligibility Requirements: if you answered YES to any of these question, you are not eligible to purchase this plan.

Check a small box against <terms and conditions>. Read this declaration carefully and accept it if you agree.

3. You will be asked to pay by credit card. Then click on the button <Submit Order>.

4. You can download your Policy Confirmation immediately after your payment is approved. You can print out this confirmation from the screen. 

5. You will also receive Policy Confirmation + Policy Wording on your e-mail address. Make sure that your e-mail address is correct.


Your Policy Confirmation and the Policy Wording make up your insurance contract. Have these documents with you while traveling. You can print out this  Policy Wording (just click on the link) or click here to request a paper copy of the Policy booklet (please put  your mailing address in your message).


If you have questions, need help to complete the online application, or want to purchase a policy please call Natalia at 416-493-0101 (or 1-877-443-0101) or click here to send your question.


What to do if you get sick or injured.

Have your policy confirmation with you at all times. In the event of sickness or injury which may result in claim, you, or someone on your behalf, must contact GMS assistance centre prior to treatment whenever possible.


Important! Failure to contact GMS assistance centre within twenty-four (24) hours of receiving medical treatment or admission to hospital will limit benefits otherwise payable to 70% of eligible charges to a maximum of $50,000. You can find GMS Assistance Centre phone numbers on the Policy wording (pg.1) and your confirmation of coverage in Section **IMPORTANT INFORMATION**.

When contacting the Assistance Centre, please provide your name, your policy number, your location and the nature of your emergency.


To apply for benefits under this policy, you will need to send a completed claim form (with all original bills attached) to GMS. Consult the claim guideline in your Policy wording  (pg.8).



Investments:    RESP     RRSP     TFSA    Segregated Funds

Revised: February 09, 2015.