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How do I choose a travel insurance plan?

The foremost thing to consider when choosing a travel insurance policy is to decide on the type of cover you need. There are usually two main coverage categories: medical and non-medical. Medical insurance provides coverage for treatment of eligible unexpected medical emergencies, ambulance and emergency transportation services, dental emergencies, pet return, transportation of a family member or friend to your bedside and more. You can opt to purchase travel medical coverage for a single trip only (Medical Plan) or multiple trips (Annual Plan), in case you frequently travel within a year. If the latter is your case purchasing coverage for multiple trips under a single policy can save you money on insurance by providing medical coverage for unlimited trips within one year from purchase.

On the other hand, non-medical plans, such as the trip cancellation and interruption insurance or Cancellation Plan, are designed to protect your investment by helping cover pre-paid expenses, re-organizing travel plans, and recovering lost, damaged or stolen luggage among other benefits.

Ultimately, you can also opt to purchase a plan which includes all the benefits from both medical and non-medical plans such as Medical and Cancellation Plan.

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Information for Quebec and Saskatchewan residents.

Travel insurance does not cover everything. Please refer to the policy wording for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Please note that remuneration may be payable to the distributor of this insurance. 

Rates are subject to change.