Faq’s

This represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses. As an example, if you purchase a plan with a $50 deductible and incur $200 of expenses, the insurance company will begin to reimburse for expenses after you have paid the first $50 of your medical bills.
There are two different kinds of deductibles, per-claim and per-policy period. A per claim deductible means that the insured must pay a new deductible for each separate incident. (Example: pay the deductible once for a broken leg and then a second time for a flu treatment). A per-policy period deductible means that the insured must pay the deductible only once during the period of the insurance policy. If your plan has a $100 deductible, you pay the first $100 of the expenses and then the insurance company picks up the rest. The higher the deductible, the lower the premium cost and vice versa.

Generally, pre-existing conditions are defined as any sickness, injury or medical condition for which the insured consulted a physician, has symptoms, has been hospitalized or was prescribed medications within a certain period before the effective date of coverage. Each insurance company treats pre-existing conditions differently and this is a major reason for declined medical claims. The look back period may vary from 3 months to a life time. Please, read the exclusion section in the insurance policy booklet for exact definition.
There are certain visitors insurance plans in which coverage for stable pre-existing conditions is possible. Please call our customer service at 1-877-838-0020 for more information.

Some insurance companies cover people if their medical conditions is under control and stable for certain period (3 to 6 months) before travel. Be aware that a simple change in medication can mean that the medical condition is not considered “stable”. Policy definitions are critical and the rules vary depending on the age of the policy-holder. It is up to each policy holder to make sure they qualify. Some insurance companies are able to underwrite and give individual quotes for people with pre-existing medical conditions.
Even policies that include pre-existing conditions do not reimburse expenses to maintain the condition, but complications that require medical attention, hospitalization or death from that pre-existing condition are covered.
Be honest and disclose all details for your pre-existing medical condition. If you have a $50,000 claim after suffering a heart attack, the insurance company will likely check into your medical history.
Please, call our customer service at 1-877-838-0020 for more detail

No, there is no medical examination required for purchasing any Travel Insurance plan. You can buy the policies online any time and get coverage from the following day.

Most Travel Insurance policies can be extended (some conditions apply). Just call us or your insurance company prior to the expiration of the policy. The insured person must be in good health and not have any pending medical claims.

Most plans can be cancelled and the premium can be refunded before the effective date of the policy. Some administrative charges may apply. Partial refunds (less cancellation fee) after the effective date, are available if the policy is terminated because of early return to the home province and no claim has been incurred.

There is no restrictions where you seek medical service, as long as the amount charged by the providers is Usual, Customary and Reasonable for a particular service, treatment, or supply.

Travel medical insurance is intended to cover sudden, unexpected, and unforeseeable circumstances. Please read the Benefits section for a summary of the available coverage.

Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please read and understand the policy before you buy Travel Insurance.
Generally, most policies do not cover pre-existing conditions. The definition varies from policy to policy. Other common exclusion is accidents or illness caused by abuse of drugs or alcohol. Also not covered are routine health-care, elective or cosmetic surgery, and follow-up, non-emergency care that could be done in your home-country or province. Many plans limit benefits if insured fail to get advance approval for treatment. Some policies don’t cover risky sports like bungee jumping, rock climbing, scuba diving or hang gliding. Self-inflicted injuries are not covered, nor are injuries caused while a policy-holder is committing a criminal act.

Yes, some insurance companies offer discount prices for group travel medical insurance.
Please, call our customer service at 1-877-838-0020 for more information.

Travel insurance protects in the case of medical and family emergencies, delays, theft and the last-minute plan changes that can happen to both frequent and occasional travelers. Without travel insurance, a broken arm, even something as basic as the flu could turn into substantial medical bills costing thousands of dollars. Health care costs are very expensive. Hospitals can charge thousands of dollars per day. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs, which can create a significant financial burden.

Insurance premium is the same whether the plan is purchased directly from an insurance company or through a broker like www.TravellerInsurance.ca. Working with a broker gives you some advantages:
– We offer compare one stop shopping for Travel Medical Insurance.
– We work for our clients, not for an insurance company.
– We offer extended hours customer service. Insurance companies have limited office hours.
– We offer claim support for our clients.
– We offer experience and knowledge to help you make the right decision.

The published premiums from the insurance companies are the only rates available. Offering discounts from these prices initiated by an insurance broker or travel agent is strictly forbidden under the Codes of Conduct that apply to our operation. Any agent caught doing it could lose their license.

Some credit cards provide basic travel insurance, but you must read the fine print to find out exactly what’s covered, under what conditions, and what the limits are. Many credit cards have very low coverage limits. The coverage may apply for a limited time period, or may be available only to a certain age.
There are many sources of travel insurance: travel agents, banks and trust companies, credit cards, and some general insurance brokers sell travel insurance, too. You may have coverage even from your work through the company benefits or from an association that you are member.
We, as insurance brokers, specialized in personal health and travel insurance and we guarantee our expertise and service.

– Quick claim procedure in Canada (you get your money faster).
– Direct billing between hospitals and most of the Canadian insurance companies.
– Canadian insurance companies are regulated by the Canadian financial regulators. It is much easier to claim improper practice of a Canadian insurance company here in Canada than in a country somewhere else in the world.
– Canadian insurance companies are re-insured by Assuris – the Canadian government organization that will cover up to $60,000 of medical expenses in case of an insolvency of a Canadian insurance company. If total benefits exceed this amount, Assuris covers 85% of the promised benefits, but not less than $60,000.

Buying or ordering insurance online is very simple. After filling out the “Free Quote” form you will receive quotas from all Canadian insurance companies. From that page, you can click “Direct Buy” or “Order Online” button in the first column. This leads you to the appropriate online application form. If you choose “Direct Buy” you will be transferred to an insurance company secure web site where you can instantly purchase a Visitors Insurance. If you complete “Order Online” form, you will be contacted by our customer service department for the method of payment. In both options you will receive an e-mail with an attached “Confirmation of coverage” document with a policy number and the information that you provided. The coverage will start from the start date as indicated on the form. Within a few days you will receive a package by mail that will include a policy booklet and a signed “Confirmation of coverage”