Multi-Trip Emergency Medical Insurance
for Canadians Traveling outside Canada and Province of Residence
This convenient coverage allows for as many trips as you want during a one-year period without having to buy insurance every time you travel outside your home province. No more worrying about purchasing coverage for a last minute business trip or a weekend getaway. If you are a sun-seeker, vacationer, snowbird, truck driver or business traveler who travels more than once a year, then this is the option for you.
You’ll be covered for 12 months and can travel for an unlimited number of trips which start and end in your province of residence, up to the trip duration you have chosen. For any trip which is longer, you can purchase a top-up before your departure. Choose from 4, 8, 9, 10, 15, 16, 18, 20, 30, 35, 60, 125, 155, 182-day multi-trip plans.
Get your free instant quotes for annual multi-trip emergency medical plans with various insurance providers, choose the one which is the best for you.
a) Family Rates: Available for insurance plans with Allianz, Manulife Financial, TuGo and RSA. No family rates for GMS plans.
The premium for Family coverage (3 or more family members) is calculated at two times the premium for the eldest adult (2.5 times for Allianz Global Assistance). Family includes the applicant, no more than one additional adult family member and dependent children.
"Dependent children" means :
● Allianz Global Assistance : Unmarried children financially dependent on you and no more than 21 years of age. The child must be a minimum age of 15 days.
● Manulife Financial : Unmarried children or grandchildren under 21 years of age or under 26 years if the child is a full-time student attending an educational institution. The child must be a minimum age of 30 days.
● RSA Travel: Unmarried children under 21 years of age or under 26 years if the child is a full-time student attending an educational institution; or any age with a permanent physical or mental disability.
● TuGo Traveller : Unmarried children under 22 years of age or under 26 years if the child is a full-time student attending an educational institution; or any age if mentally challenged or physically handicapped.
● Travelance : Unmarried children or grandchild under 21 years of age or under 26 years if the child is a full-time student attending an educational institution; or any age if mentally challenged or physically handicapped .
b) Exclusions: Insurance plans with GMS, RSA Travel, Travelance do not cover work related accidents and trips on a commercial vehicle for the purpose of delivering goods and carrying a load. Please refer to the policy wording for full details on exclusions and limitations.
Eligibility. TO BE ELIGIBLE FOR INSURANCE UNDER THIS POLICY, you must be a resident of Canada, and covered under a government health insurance plan.
Multi-trip plans for applicants 60 years old and over.
Generally, applicants 60 years old and over have to answer several medical questions to determine their eligibility and travel insurance rates. Travel insurance rates depend on your answers on the medical questionnaire. Please click here for more information and to get a quote.
You can also consider Travelance 15-day and 30-day multi-trip emergency medical plans with no medical questionnaire required, if you are 69 years old or under. Please click here for more information.
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 (or Canada for trips outside Canada). It may be : your plane ticket, train ticket, a stamped passport, meal receipts, duty-free shop receipts, gas receipts, copy of credit card or bank statement showing purchases made in your province of residence (or in Canada for trips outside Canada) just prior to your departure date and on your return date.
April 05, 2020