Annual Multi-Trip Travel Medical Insurance for Canadians

Multi-Trip Travel Insurance Tips:

Make sure that you meet the eligibility requirements

To be eligible for travel medical insurance for Canadians, you must be a resident of Canada, and covered under a provincial government health insurance plan for the entire trip duration. Travel insurance policy may also include health related eligibility requirements

If you are 60+

Generally, for applicants 60 years old and over, a medical questionnaire is required to determine the cost of their travel medical insurance. You can complete the Travel Medical Questionnaire, and we will email you your best option. 

However,  you can also get a quote and buy multi-trip emergency medical insurance ONLINE with Travelance (15-day and 30-day multi-trip), Destination Leisure plan (8-day and 16-day multi-trip) without medical questionnaire for travelers under 70 – 76 years old (depending on the insurance provider).

TuGo offers a 2-day annual multi-trip plan without medical questionnaire for travelers of any age.

Topping up another multi-trip plan

Usually, Multi-trip plan cannot top-up another multi-trip plan. For example, you have 4-day emergency medical coverage with your credit card and purchased a 10-day multi-trip plan with another insurer, it does not mean that you are covered for the first 14-days of your trip. Coverage with both plans starts on the date when you left your province of residence. 

Only TuGo offers multi-trip plans that can be issued as a top-up to another multi-trip plan.

Claim procedure : 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 case of claim, you will be required to provide proof of your departure date and return date to your province of residence. 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 in your province of residence just prior to your departure date and on your return date.

Pre-existing medical conditions coverage 

Pre-existing medical condition means a medical condition that exists before your effective date of insurance. It may be high blood pressure, diabetes, heart or lung condition, etc.

Travel medical insurance covers pre-existing medical conditions that have been STABLE within a stability period before departure to each trip; no matter whether these pre-existing conditions are mentioned, or not mentioned in the questionnaire (if required), as well as if there is no questionnaire at all.

Depending on the plan and insurance provider, stability period may be 365 days, 180 days (6 moths), 90 days (3 months), 30 days, 7 days.

Work related trips 

Multi-trip Insurance plans may not cover work related accidents and trips on a commercial vehicle for the purpose of delivering goods and carrying a load (e.g. GMS, Travelance, TourMed Travel). Please refer to the policy wording for full details on exclusions and limitations before purchasing insurance.

Travel advisory exclusion

Most travel medical insurance policies do not cover a medical condition for which, prior to your policy effective date, an official travel advisory issued by the Government of Canada states "Avoid non-essential travel" (Level 3 travel advisory) or "Avoid all travel" (Level 4 travel advisory) regarding the country, region or city of your destination. To view the travel advisories, visit the Government of Canada Travel site.

Other Exclusions:

Travel insurance does not cover:

- Ongoing care, rehabilitation or check-ups;

- Any condition(s) for which you are registered on a waiting list for treatment or diagnosis;

- Any medical condition where the purpose of your trip is to seek medical treatment;

- Emotional or mental disorders;

- Routine pre-natal or post-natal care, or childbirth ;

- Any sickness or injury that could reasonably be contributed to or caused by abuse of alcohol or misuse of prescription drugs;

Refer to the policy wording for a full list of exclusions and limitations of the policy.