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 annual multi-trip travel insurance plan?
▶ When your trip starts and ends?
For Multi-Trip plans, emergency medical coverage starts each date you leave your province or territory of residence. Many Annual Multi-trip policies do not limit number of days for traveling outside home province but in Canada. However, each trip taken outside of Canada can be up to the maximum number of days you selected when you purchased your Multi-Trip plan. The number of days for each trip will begin on the date you leave Canada and will end when you return to Canada. For any trip which is longer than the maximum days covered under your multi-trip policy, you can purchase a top-up before your departure.
At the same time, some Annual Multi-trip policies limit the number of days per trip between your departure from your home province until you return to your province of residence; no matter if you are traveling in Canada or outside Canada. Therefore, you should review the policy wording for information on this coverage before purchasing insurance
▶ 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.
▶ Can I combine several multi-trip plans?
No. 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 individual Multi-Trip policy with another insure. 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 leave your province of residence, and you will be covered under two policies simultaneously for the first 4 days of your trip. Only TuGo Traveller multi-trip plans that can be issued as a top-up to another multi-trip plan.
▶ What is the difference between single-trip and multi-trip travel insurance?
Single trip travel insurance provides coverage for one specific journey, beginning on the day you depart and ending the date when you return. It doesn't matter if you will be going to multiple countries or states. This is still considered to be a single trip.
▶ 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. For example, if you have a 30-day multi trip plan but are planning a 45-day vacation, you’ll need to purchase a 15-day top up travel insurance plan to extend your coverage for this trip.
▶ Who should consider Multi-Trip travel insurance plan?
Multi-Trip travel plan is designed for people who travel several times annually and want continuous coverage without buying a new policy for each journey. If you are a sun-seeker, vacationer, snowbird, truck driver, business traveler, digital nomads, or those living near national borders, who travels more than once a year, then this is the option for you.
▶ 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.
Multi-Trip Travel medical insurance covers pre-existing medical conditions that have been STABLE within a stability period before departure to each trip.
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 and other exclusions
Travel medical insurance does not cover everything. This insurance has exclusions, conditions, and limitations.
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.
