Travel Insurance

Travel Insurance - medical insurance, covering all medical expenses that may incur during a trip abroad, regardless of trip purpose.

Even the permanent residents of Canada have no choice but to buy insurance when travelling: the government only covers a very small portion of your costs that may arise from a general health problem or an unfortunate accident. Government website strongly encourages people to buy their own insurance, which will cover all medical costs. Such insurance usually offers between 2 and 5 million dollars in medical costs.

First, I would like to explain to you what this insurance covers.

Insurance company will reimburse any expenses, related to an unforeseen hospitalization or an unforeseen treatment not covered by OHIP, for the amount of up to 2 million dollars.

On top of that, here you can see the list of other services covered with the plan.

Below are prices for travel insurance with Allianz Global Assistance. Allianz Global Assistance offers best prices most of the time.

Insurance prices for travellers to America offered by Allianz Global Assistance.

AGES 0-30 31-39 40-54 55-59
*Minimum premium $20 per policy
Daily Rate Per Person
1-35 DAYS $2.83 $2.39 $2.74 $4.31
36-60 DAYS $2.83 $2.39 $2.74 $4.31
61-365 DAYS $3.29 $3.15 $3.21 $4.86

Insurance prices for travellers to anywhere other than USA offered by Allianz Global Assistance.

AGES 0-30 31-39 40-54 55-59
*Minimum premium $20 per policy
Daily Rate Per Person
1-35 DAYS $2.55 $2.03 $2.33 $3.88
36-60 DAYS $2.55 $2.03 $2.33 $3.88
61-365 DAYS $2.96 $2.68 $2.73 $4.38

*Family premium = Individual premium for the eldest adult age 59 and under x 2.5.
*Standard deductible per claim: $250.
*Surcharge to remove deductible: 10%.

If you are 60 years or older, please contact our office.

Do not forget that there are additional types of insurance such as Trip Cancellation, Trip Interruption, Baggage Insurance and All Inclusive Package.

Trip Cancellation is a type of insurance that will be paid back in case of illness and inability to go on a trip for a good cause. In this situation the insurance company will cover the expenses related to the cancelled trip – cost of the tickets, hotel, tours, etc. It’s essential to know that if a trip has been cancelled due to health problems of the traveler, his/her companion or a family member and a chronic disease turned out to be the cause of cancelation, the expenditures will only be covered when an acute phase of the disease had caused cancellation of the trip after being stable within 90 last days before signing the contract.

Trip Interruption – this type of insurance will be paid back if there’s a need to interrupt the trip for medical reasons or an unpredictable situation in the family.

All Inclusive Package – the insurance plan includes health insurance, trip cancellation for a good cause, trip interruption, loss or late arrival of the luggage, accident on a trip, transportation home and other services.

We always check the cost and terms of insurance for each of your trips in various companies. All the companies offer different prices and we choose the best plan depending on the age of the insured and length of the trip. Our website shows prices of only one company as an example, the one offering attractive prices we most often work with. But we will check all possible options with other companies to find the most appropriate insurance contract for you.

We recommend those, who are planning to use this insurance coverage for the first time, to make a phone call to the office and find out details of the plan, we will be happy to answer all your questions.

Those, who have already used this insurance plan and know for sure what they want, can conclude the contract right now using this LINK, and purchase an insurance contract from the Allianz Global Assistance online.

If you can’t find prices for your age group, give us a call and we will help find out the price and create an insurance program. For elderly people there are extra considerations that need to be addressed. For example how to include existing health problems into you coverage, so that in case that problem gets worse during the trip insurance company covers your expenses. In this situation better to speak to a specialist, give us a call and we will help you.

There are also special offers for school trips, sports teams, clubs and federations.

If somebody travels often, it makes sense to get an annual insurance coverage – it will still be good price. Prices are shown in the table.

Multi-Trip Basic Plan – Worldwide

Age 0-30 31-39 40-54 55-59
Days per trip Annual Premium
4 days $45 $45 $54 $66
8 days $64 $64 $71 $87
15 days $76 $75 $79 $96
35 days $111 $99 $105 $138
60 days $196 $196 $295 $310
125 days $480 $487 $564 $730

*Family premium = Individual premium for the eldest adult age 59 and under x 2.5.
*Standard deductible per claim: $250.
*Surcharge to remove deductible: 10%.

This insurance is very interesting not only for those who travel often, but for example, specifically, truck drivers, who constantly cross the border.

I can always answer your questions by phone or in person.