Travel Insurance

When you travel, your only worries should be what swimsuit you are going to wear or what flavour gelato you should get! You should not have to worry about what happens if you end up in the hospital.

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WHY You Need It

Travel insurance provides protection for more than just health coverage on your trip. Travel insurance can provide coverage before you leave, during and after your trip. There are so many different options from the basic Emergency Medical Cover-age to Trip Cancellation or Trip Interruption Insurance, and Coverage for lost bag-gage or rental cars. Depending on your travel style, we have an option for you so that you shouldn’t have to worry about major medical bills or losing money becauseyou have to cancel your trip.

Who is eligible for Travel Insurance?

Travel Insurance is available to anyone who travels outside of Manitoba, including the USA, World-Wide and all over Canada. Depending on your travel style there maybe different options for coverage. There are options for those heading out on a weekend getaway to Vegas, Snowbirds fleeing the cold Winnipeg winters and ad-venture seekers heading to Australia to Skydive. We have all the options and would be happy to work on a quote that best fits your style of travel or if you’d rather get an immediate quote click the link below.

What are the options?

There are many different options when it comes to Travel Insurance. Since we have a few different company options we have the ability to provide you with the best travel insurance that fits your travel lifestyle.

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Emergency Medical Insurance – depending on the company can include up to $10 million in coverage.

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Travel Accident Coverages – Coverage for when you are injured on a trip.

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Trip Cancellation and Interruption Insurance – Reimburses the costs of your airfare, accommodation, and other excursions.

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Baggage Insurance – In the event your baggage is lost or delayed.

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Contact, Adventure and Extreme Sports Coverage – Some companies exclude cov-erage for these activities.

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All Inclusive Packages – Includes emergency travel health, trip cancellation/trip in-terruption, missed flights, and lost or delayed baggage

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Student Plans – For students coming to Canada to study or for Canadians to study abroad.

	Blue Cross	TuGo	Allianz
Emergency Medical Insurance – Single Trip	Coverage worldwide up to $5 million 55 Years and up must complete a medical questionnaire A Pre-existing Condition Clause does apply	Coverage worldwide up to $5 million Policy can be: Within Canada Canada Only World-wide (excluding the USA) Worldwide including the USA 55 Years and up must complete a medical questionnaire A Pre-Existing Condition Clause does Apply Options for deductibles are available	Coverage worldwide up to $10 million Policy can be: Worldwide (excluding USA) Worldwide (including USA) Coverage not available for individuals over 89 years old 60 years and up must complete a medical questionnaire A Pre-Existing Condition Clause does apply Options for deductibles are available
Emergency Medical Insurance – Multi-Trip Annual	Coverage worldwide up two $5 million Trip Length up to 32 Days or less – Additional days available if under the age of 55 Available to those under the age of 74	Coverage worldwide up two $5 million Trip Length up to 183 Days or less Family Plans Available to those under the age of 59	Coverage worldwide up two $10 million Trip Length up to 125 Days or less Available to those under the age of 59
Visitors to Canada – Emergency Medical Insurance (Single Trip)	Not Available	– Options for sums available No Age Restrictions for single people Family Plans available for those under the age of 59 Two people Plan Available for those under the age of 64	Options for sums available No Age Restrictions for single people Available to those under the age of 89
Visitor to Canada Holiday Package	Not Available	Options for sums available Coverages included: Emergency Medical, Trip Cancellation & Interruption, Accidental Death & Dismemberment & Baggage	Options for sums available No Age Restrictions Available to those under the age of 89
Student Medical Insurance (Inbound) – Student coming to Canada	Not Available	Required to be a student and under the age of 59 A limit of $2 million in coverage Family Plans available under the age of 59	Required to be a student and under the age of 60 A limit of $2 million in coverage Spouses & Dependents coverage available
Student Medical Insurance (Outbound) – Canadian Students Studying Abroad	Not Available	Required to be a student and under the age of 40 A limit of $2 million in coverage Family Plans available to those under 40	No Available
Trip Cancellation/Trip Interruption Insurance	Airfare Cancellation or Holiday packages are available – Plan must be our purchased within 72 hours of initial deposit	Can be added onto an Emergency Medical Plan Trip Interruption can be purchased separately	Available plans are Basic or Select Only eligible to those under 89 Trip interruption can be purchased separately
Accidental Death & Dismemberment Insurance	Must be purchased with another plan Is named “Travel Accident Plan” Options for Sums available	Must be purchased with a Travel Health Plan Air/Common Carrier max limit is $100,000 24- hour accident max limit is $25,000	Options for sums are: $25,000, $100,000 and $250,000 Flight Accident Coverage is available
All Inclusive Holiday Packages	Included in Plan: Trip Cancellation before or after trip, Missed connections, Emergency Travel Health Coverage, Air or Common Carrier Accident, 24-Hour Accident, Baggage & Baggage Delay, Transportation of deceased Purchased must be done within 72 hours of initial deposit	Included in Plan: Trip Cancellation/Trip Interruption, Emergency Travel Health Coverage, Accidental Death & Dismemberment, Baggage Insurance Must be under the age of 59 A Pre-Existing Condition Clause does apply	Included in Plan: Trip Cancellation/Trip Interruption, Emergency Travel Health Coverage, Accidental Death & Dismemberment, Baggage Insurance Must be under the age of 89
Additional Coverages Available		Baggage Insurance Rental Car Insurance (Physical Damage Only) Contact, Adventure or Extreme Sports Coverage	Baggage Insurance Canadian Expatriates Plan

* Exclusions may apply, Be sure to discuss all coverages and exclusions with a broker

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* Please note all types of policies have exclusions, conditions and limitations. This information is not intended to be a full explanation of coverages and in all cases the wording of the actual insurance policy will apply.