What happens if you get sick or hurt while travelling?
If it happens in the US, your costs could be astronomical. If it happens in a lot of other countries in the world, you may need to be flown back to Canada for care -- a single medevac flight can cost tens of thousands of dollars. Travel Insurance will cover the cost of care in a foreign country (or even out of Province), and emergency medical care if you need it while abroad.
With Travel Insurance for Canadians you generally have a few options:
1. Travel80. With this product, you pay an annual fee (the rate is set at the time you sign up), and can keep travelling with full Travel Insurance coverage all the way up to age 80 (most plans cap out at age 70). And if you don't claim for 10 consecutive years, you get half your premiums back!
Contact us directly to find out more about Travel80.
2. Per-Trip and Multi-Trip plans:
Single-Trip Plan: Provides coverage for one trip for the number of days purchased. No age limit but you will have to answer medical questions if you are age 60 or over.
Multi-Trip Plan: Provides coverage for an unlimited number of trips during the policy year for the number of days purchased. Options of 4, 10, 18, 30 or 60 day plans. No age limit.
All-Inclusive Plan: Provides coverage for Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Delay & Damage, Flight Accident and Travel Accident. Available in single trip or multi-trip.
Travel Canada Plan: Provides Emergency Medical Insurance if all travel is within Canada at 50% off the regular Single-Trip Emergency Medical Plan rates.
Trip Cancellation/Interruption Plan: Provides coverage if you are unable to travel or your trip is interrupted due to a covered event. This coverage must be purchased within seven (7) days of booking your trip or before any cancellation penalties are chargeable for that trip.
Click here to purchase Travel Insurance directly online for out of province or out of country travel. This link will take you to our Capital Estate Planning Travel site (provided together with Manulife Financial).
Emergency Medical Insurance for Visitors to Canada:
If you, a relative or a friend is visiting Canada -- or moving here -- you'll need to arrange some kind of emergency medical insurance in case something happens while you're here. Otherwise, an accident, injury or sudden medical problem could quickly become very, very expensive.
Emergency Medical Insurance for Visitors is ideal for:
Visitors to Canada
Canadians who are not eligible for benefits under a government insurance plan
Persons who are in Canada on a work visa
New immigrants who are awaiting government health insurance plan coverage
Click here to purchase Visitors to Canada Insurance directly online. This link will take you to our Capital Estate Planning Travel site (provided together with Manulife Financial).
Student Travel Insurance:
If you're facing an extended period of studying abroad, you will want to make sure that you have insurance in place should an emergency happen. Even if you go out-of-province not all provincial benefits carry over. Student Travel Insurance provides up to $2 million for emergency medical coverage and coverage for non-emergency medical benefits such as: annual medical examination, annual eye examination, maternity benefit, accident death or dismemberment insurance.
Student Travel Insurance can be useful for the following people:
Full-time Canadian students studying abroad
Full-time Canadian students studying in a different province
Full-time International students studying within Canada
Click here to purchase Student Travel Insurance directly online. This link will take you to our Capital Estate Planning Travel site (provided together with Manulife Financial).
Contact us today to find out how to protect your ability to travel now and well into the future!
Permanent Life Insurance
Do you like the idea of one day having something that is paid for and yours? If so, you may want to look at Permanent Life Insurance.
Term Life Insurance
Term Life Insurance is a broad category of insurance built to control your costs for a specific period of time.