Travel insurance for travelers

Travel insurance aims to protect travelers against the financial impacts of any disease and any accident that could occur while staying abroad. Such insurance gives its holder access to a support service and to the coverage or reimbursement of medical fees incurred abroad. Here is a more detailed look at travel insurance:

Travel insurance guarantees travelers that they will have sufficient medical protection in case of emergency when they leave their province of residence (for Canadians) or country of origin (for non-Canadian residents, regardless of nationality). Local healthcare plans do not automatically provide full coverage when a resident leaves his or her territory. Specific provisions restrict, in terms of duration and range, the reimbursement of healthcare fees incurred in a place other than the individual’s home province or country.

In addition, pricing that applies to care received by a traveler receives abroad is different from any customary pricing system established between the medical center and the public healthcare plan which the traveler is entitled to. Travelers are often charged a higher fee for medical consultations than local residents covered under the local public healthcare plan.

The treatment that travelers receive is very different from the treatment local residents receive—a fact that is largely unknown. Too often, travelers are completely unaware of the actual healthcare costs they will be responsible for when visiting a clinic or seeking a medical advice on premises at a vacation resort. Clinics and hospitals often require a deposit in order to consult a health professional.

Travel insurance is the only way to address the limitations of a traveler’s public healthcare, mutual company or medical group coverage once outside her or his province or country of residence. Travel insurance offers financial protection against unforeseen healthcare costs while abroad.

This section aims to deal with this issue and to find the travel insurance that is right for you:


Until a traveller is harmed by disease or an accident, it is easy not to contemplate the risks to which he or she is exposed.

• Having travel medical insurance prevents nasty surprises, for example, the discovery that your provincial public or private healthcare plan (RAMQ, OHIP, or other), or mutual insurance covers only a minor portion of the medical expenses incurred abroad. If you do not take out travel insurance, you will be required to pay for medical expenses up front and to wait until your healthcare plan issues you a partial, or perhaps even very partial, reimbursement of these expenses. Purchasing travel insurance before your departure protects your health, both physical and financial.

• Having medical travel insurance provides coverage beyond the restrictions and limitations (duration, amount, type of care) of your group insurance and credit-card travel insurance. Should you decide to extend your stay, can you extend your coverage period? The guarantees could be limited, and some of your health conditions could be excluded. Check if your coverage excludes emergency medical care due to a pre-existing disease or to a condition resulting from a new medication.

• Having medical insurance for your trip avoids dealing with the reality of emergency hospitalization healthcare expenses (which, as an example, may amount to several thousands of dollars in the United States), and gives you access to a support center that will find a doctor or medical center for you and guarantee you are admitted and that you see a health professional. And if your health status deteriorates or prevents you from continuing your holiday, the support center will organize your repatriation or your return due to a medical emergency.

Subscribing to travel insurance means offering oneself protection against unexpected health-related events that could occur abroad, which can be expensive and stressful.

The following guarantees are what makes a travel insurance plan stand out:

  • Medical coverage in case of accident or disease:
    • Covers all emergency hospitalization-related expenses, representing 100% of actual costs.
    • Exempts the policyholder from having to pay a portion of essential care expenses.
    • Covers any medication and emergency medical exam expenses required.
  • Medical assistance for emergency repatriation or evacuation:
    • A worldwide network that can respond to any medical emergency of whatever nature.
    • Expertise that sets up a traveler’s anticipated return under optimal conditions.
    • Service that stands out thanks to agents who are available 24/7 to help the family of a policy holder stay up to date if there is a medical situation abroad.

Good insurance is a combination of qualitative as well as quantitative criteria.

Making travel reservations using certain credit cards sometimes makes it possible to benefit from travel assistance that offers an emergency return service, medical and hospital insurance, or a cash advance to cover medical expenses. In the case of a cash advance, however, insurance will not cover the costs. This is a fundamental criterion in determining the distinction between this type of coverage and actual travel insurance.

What should you require from your travel insurance solution?

The policyholder must be vigilant about the nature, amounts, and conditions of coverage.

Risks and costs of healthcare abroad can be significant. The following guidelines offer reliable criteria:

  • Global coverage of at least one million dollars ($1 million).
  • No deductible in case of hospitalization, medical consultation and obtaining prescription drugs.
  • Provisions, in case of medical repatriation or emergency medical evacuation, allowing a 100% coverage of the actual costs for up to the global coverage sum.
    In case of death abroad, expenses for return of the body.
  • In case of death abroad, expenses for return of the body.
  • A guarantee that your vehicle will be brought back to your residence, and
  • In case of a dental emergency, coverage of emergency dental expenses.

These are the most frequent needs that surface when disease arises or an accident occurs while away from home. Safeguarding yourself against these direct and indirect impacts of a medical emergency abroad is precisely what quality travel insurance is about.

All of Escapade‘s travel insurance plans are built around these essential criteria for quality and based on the basic coverage amounts mentioned.

However, we were not satisfied with just the basics. The travel insurance plans we offer provide solutions in case of loss or theft of luggage, multiple situations leading to trip cancellation or interruption, and acts of God requiring your return home.

The cost of travel insurance is a component in itself in establishing one‘s travel budget. To ease up the task for you, we propose travel insurance that meets these requirements in terms of medical coverage for travelers. Our online tool to determine insurance premiums and subscribe you to one of our insurance plans allows you to compare various kinds of travel insurance.

On the right side, you will find an insurance comparison tool that can be used, whether you are a Canadian or a non-Canadian traveler going abroad or out of province. This tool will steer you towards the solution that best suits your needs and will help you find the best rate.

Our travel insurance counsellors are happy to look over your specific situation with you and to direct you towards the most suitable insurance plan. They will guide you through the possible options and will confirm the price of your travel insurance.

Toll-free in Canada and the United States • 9:00 a.m.-5:00 p.m. EST

Worldwide • 9:00 p.m.-5:00 p.m. EST

If, after subscribing to one of our insurance plans online or through our call center, you decide that it does not suit your needs, you benefit from a ten (10) day period to contact us again and request a full reimbursement of your insurance premium without any penalty.

Going on a short or a long trip with travel insurance does not exempt you, as an attentive traveler, from:

  • Ensuring your medical stability prior to your departure as required by your insurance (read the section of your insurance plan concerning pre-existing medical conditions).
  • Ensuring you have any prescription medication you need before your departure.
  • Inquiring about mandatory or recommended vaccinations relevant to your destination.
  • Ensuring that your destination is not subject to a travel advisory issued by the Ministry of Foreign Affairs (travel insurance does not cover destinations for which an advisory has been issued).

Having a good understanding of the scope of your travel insurance plan and taking a few precautions before your departure will guarantee a better experience if a medical incident requiring treatment should occur during your next trip.