Travelers’ Frequently Asked Questions

Depending on the nature of your health disorder and your medical stability related to this illness, coverage may or may not be provided by your travel insurance in case of unexpected complications during your stay abroad. Please refer to your insurance plan for details. With regards to certain medical issues, it is preferable to contact one of our agents and proceed with him to an assessment of your health status through a medical questionnaire. We will then be in a position to provide you the travel insurance solution that best suits your situation.
Travel insurance does not usually cover expenses incurred due to pregnancy, childbirth, or health complications arising after the 31st week of pregnancy. Pregnancy-related exclusions also apply to routine pre-birth and post birth care, pregnancies with a high risk diagnosis, as well as expenses for giving birth while travelling. Great vigilance is necessary with respect to all exclusions relating to a traveler’s state of pregnancy. Please read your insurance plan clauses concerning pregnancy very carefully. Our representatives are available to answer any questions on this subject in relation to specific insurance contracts.
Health status changes arising from practicing a sport as a leisure activity are covered provided that this sport is not ranked as a high-risk sport, that it is not a motorsport and that it is not practiced as part of a competition or training. Activities practiced on a professional basis are excluded from travel insurance coverage. Please refer to your insurance plan to find out about your contract’s exclusions.
All travelers have a responsibility to keep themselves informed of travel advisories issued by the Ministry of Foreign Affairs. Destinations located in geographical areas for which a travel advisory has been issued, as well as any risks associated with travel to these locations are excluded from all coverage in terms of medical consequences arising from accidents or events directly related to the risk for which such a travel advisory has been issued. If you plan to travel to a high-risk zone, you must subscribe war risk insurance. Please contact us so that we may steer you towards the ideal protection for your travel destination.
Travel insurance that includes medical coverage and support services covers you in terms of medical care. It includes ambulance and repatriation expenses towards hospital best able to treat your medical condition. However, travel insurance does not cover expenses related to the use of specialized search and rescue teams in certain natural environments. We recommend subscribing locally to specific insurance to cover these risks.
Usually, subscribing to travel insurance for temporary stays abroad after leaving Canada is not permitted. If you find yourself in this situation, please contact our call center.
Being registered with a provincial healthcare plan provides you coverage anywhere in Canada. However, medical expenses differ depending on the province or territory. You will be covered according to the amounts your province officially agreed on, regardless of the expenses actually paid in another province. In addition, outside your province of residence, even if it is in the neighboring province, you will be considered a non-resident. Applicable provincial charges will vary depending on whether you have resident or non-resident status. If you do not have additional private insurance, it is important that you protect yourself with travel insurance, even if you are travelling within Canada, so that you have coverage for amounts not refunded by your provincial healthcare plan.
The maximum period for which it is possible to subscribe to our travel insurance for individual trips is of three hundred and sixty-five (365) days. If your stay outside your regular province of residence exceeds a period of one hundred and eighty-three (183) days, you must make specific provisions with your provincial healthcare plan, in the absence of which you expose yourselves to the risk of having your provincial healthcare plan deregister your name. The immediate impact of deregistration is that it strongly reduces the global limit of your travel insurance. This is why you must ensure that you are covered by your public healthcare plan for the duration of your trip.

For a foreign non-Canadian traveler, the maximum period for which it is possible to subscribe to our travel insurance for individual trips is three hundred and sixty-five (365) days.

If your travel insurance has not yet come into effect, you are entitled to a ten (10) day retraction period to request a penalty-free refund of your insurance premium. Any request for a refund made after this ten (10) day period will be subject to administrative fees. Contracts that include a guarantee in case of trip cancellation or interruption come into force on the date of their purchase. Consequently, for such a contract, you only have a ten (10) days retraction period to benefit from a refund of your insurance premium when requesting the cancellation of your contract.
Clauses as regards to coverage extension requests made during your trip may vary widely depending on travel insurance plans. The terms and conditions of your insurance plan should be read carefully. Our call center agents are available to answer any question regarding the extension of your travel insurance.
If your insurance plan does not include a guarantee in case of trip cancellations and interruptions, you may be eligible for a partial refund of your insurance premium in the event of an early return. You will be required to certify in writing that you made no medical claims and are not holding any pending claims to be posteriorly submitted to the insurer. You must be back in your province of residence to request a premium refund for an early return. Administrative fees are applicable. Please refer to your insurance certificate for conditions relating to premium refund requests for an early return.