Annual Multi-Trip Insurance plans offer Canadians year-round coverage for multiple trips—saving you time and money.
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VISITORS - HEALTH - LIFE Insurance
▶ What is an annual multi-trip travel insurance plan?
▶ When your coverage starts and ends
Under Annual Multi-Trip policy, coverage starts each date you leave your province of residence and ends when you return to your home province, or you reach the maximum trip length allowable under the plan option chosen.
▶ Proof of your departure and return dates
You are not required to provide advance notice of the departure and return date of each trip. However, in the event of claim, you will be required to provide proof of your departure date and return date to your province of residence or Canada depending on the plan. It may be: your plane or train tickets, a stamped passport, written confirmation obtained at the border, credit card receipt, copy of credit card or bank statements or other document showing purchases made just prior to your departure date and on your return date.
▶ What is Top-Up travel medical insurance?
A top-up insurance plan is a policy which lets you extend your travel coverage if your trip lasts longer than the number of days covered under your existing policy.
If you know your return date before departure, it is recommended that you purchase the top-up coverage in advance. While it may still be possible to buy travel medical insurance after departure if you decide to extend your trip, you should arrange the new coverage before your existing policy expires; otherwise, your options may be limited. Many insurers do not offer coverage after departure.
▶ Can a multi-trip policy top-up another multi-trip policy?
As a rule, an Annual Multi-Trip policy cannot be used to top up another multi-trip policy. If you already have multi-trip coverage (for example, through your credit card insurance) and purchase a separate Annual Multi-Trip policy, coverage under both plans will begin on the date you leave your province of residence. As a result, you will be covered under both policies at the same time.
The only exception is a TuGo Traveller Multi-Trip plan, which may be issued as a top-up to another multi-trip policy for all trips within the policy period.
▶ Pre-existing medical conditions coverage
Pre-existing medical condition means any disease, illness, or injury (including symptoms of undiagnosed conditions) that exists before your departure date. It may be high blood pressure, diabetes, heart or lung condition, etc.
▶ Work related trips
▶ Travel advisory and other exclusions
Travel medical insurance policies do not cover any act of terrorism or medical condition you suffer or contract when an official travel advisory was issued by the Canadian government recommending to “Avoid non-essential travel” or “Avoid all travel” regarding the country, region, or city of your destination, before your effective date.
