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Travel Insurance

If you’re planning to travel, your protection is our priority

Whether you’re hitting the road or the links, headed to the cottage or the beach, taking a trip across the pond or just a few days over the border, or you’re already making plans to fly south with the rest of the snowbirds next winter, we’ve got you covered. Your world awaits… pack your bags and go!

Get more information or your no-obligation quote today:

It’s travel insurance protection you can trust

  • For your protection – when travelling, you’re protected with 24/7 worldwide emergency assistance and an industry-leading $10 million Canadian policy limit. A team of dedicated case managers answer your assistance calls and ensure appropriate care is being received. Medical concierge services from StandbyMD provide telephone access to qualified physicians when you travel.

  • It’s easy to obtain coverage – to buy online, just click for a quote and you’ll be shown your three pricing options. If you prefer, call toll-free to speak with a licensed travel insurance specialist who is qualified to recommend coverage that suits you best, based on your health and travel plans. For travellers age 59 or under, no medical exam is needed to apply; just answer your health questions over the phone. If requested, a licensed specialist can assist with your medical declaration.
  • And don’t forget about savings – simply for being a Vertis Direct customer, your Travel Choice 1 premium will be reduced by 5%. If both you and your travel companion are insured with Travel Choice 1 Emergency Medical Plans, both premiums will be reduced by 5% – not applicable to Family Coverage. Plus if you’re age 60 or over, check the rate card or ask a licensed specialist about deductible options that could help you save up to 30%!

Important plan details are listed below. You can choose from six coverage options including single-trip and multi-trip emergency medical plans, in-Canada plans, personal underwriting and more. Coverage is available for travellers of all ages, from newborn to age 85-plus. And there are six health categories for applicants age 60 or over.

When you buy a multi-trip annual plan, you’ll get up to $1,000 per year for trip cancellation at no extra cost. And coverage is included at no extra cost for two children age 15 or younger travelling with their parents or grandparents who are age 60 or older and insured with our multi-trip plans.

Important coverage details are shown below. If you’d like more information, call 1.866.943.6017 toll-free to speak a licensed travel insurance specialist.

Single-trip emergency medical plans
  • May be the ideal option if: You’re planning one long trip or one or two short trips out-of-province per year. Extensions and top-ups are available.
  • Available coverage: You can obtain coverage from one day, up to the maximum number of days allowed with your provincial health insurance plan.
  • Note: Single-trip and multi-trip policies can even be combined to ensure the most coverage for the lowest price.
Multi-trip emergency medical plans
  • May be the ideal option if: You plan to travel out-of-province more than two times within a 12 month period.
  • Available coverage: You can obtain coverage for any number of trips per policy year of 9, 16, 22, 30, and 60 days each. And if your plans change, extensions and top-ups are available if required.
  • Note: Multi-trip and single-trip policies can even be combined to ensure the most coverage for the lowest price.
Personal underwriting
  • May be the ideal option if: Your medical conditions make it difficult to place you into a pre-designated health category. Licensed travel insurance specialists can assess individual medical conditions.
  • Available coverage: Customized to your medical situation, including coverage for your pre-existing conditions without a stability period.
In-Canada medical plans
  • Why you may need this coverage: Canada’s interprovincial reciprocal billing for medical services is equal only to coverage provided in your home province or territory.
  • Available coverage: You can obtain single-trip coverage of one day up to your provincial maximum if you travel in Canada for your entire trip.
Non-underwritten plans
  • May be the ideal option if: Pre-existing conditions aren’t a concern, and you’re planning a short trip and don’t want to fill in a medical questionnaire.
  • Available coverage: Applicants age 60 and over can obtain coverage for one single trip out-of-province, from one to 15 days.
Non-medical plans
  • May be the ideal option if: You’ve already purchased an insurance plan with medical coverage and wish to include an all-inclusive option.
  • Available coverage: Options include Trip Cancellation and Interruption, Accidental Death & Dismemberment, Lost Baggage and Personal Effects, and Baggage Delay.

Make sure you’re travel ready

We encourage you to do your due diligence before travelling. With some simple planning and common-sense, you can decrease your risk and increase safety. To help you be informed and prepared, we have put together some important tips and resources for your review.

What are the government travel advisory levels, and what do they mean?

Level 1: Take normal security precautions – similar to those you would take in Canada.

Level 2: Exercise a high degree of caution – safety and security concerns or situations could change quickly. Be very cautious at all times, monitor local media, follow instructions of local authorities.

Important: The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country or region may be at risk.

Level 3: Avoid non-essential travel – your safety and security could be at risk. Think about your need to travel to this country, territory or region, or if you are already there, think about leaving.

Level 4: Avoid all travel – you should NOT travel to this country, territory or region. Personal safety and security are at great risk. If you are already there, think about leaving if it is safe to do so.

To help you stay informed, Government of Canada Travel Advisories and advice are posted below.

We want you to be properly protected

Whether you’re travelling out-of-country or just outside your home province or territory, coverage provided by provincial and territorial health plans for hospital and medical expenses is limited. Without supplemental insurance, costs incurred from a medical emergency could be financially devastating.

Being properly protected begins with ensuring the coverage you buy will meet your needs

Along with explaining your options and recommending the coverage that best suits your needs, licensed travel insurance specialists are here to answer your questions.

So give yourself enough time to read the policy to learn what is and isn’t covered. If you don’t see it in writing, don’t assume you’re covered – call toll-free and ask questions BEFORE you buy. For example:

  • Pre-existing conditions: What are the restrictions and limitations?
  • Full length of trip: Are you covered for the duration of the trip?
  • Change of plans: Can coverage be extended after you’ve departed?
  • Return trip home: Is it paid for in the event of an emergency?
  • Assistance services: What is offered, and how are services accessed?

And to help avoid problems in case of a claim, before travelling ensure that you fully understand your obligations in case of a medical emergency.

On your application, honesty is the only policy

You need to answer all questions on your application accurately and honestly. Otherwise the policy may be voided, and your claim may be denied.

Remember, licensed specialists are qualified to assist with your medical declaration and work with you to help ensure that you understand all medical questions. But if you’re unsure of the meaning of any questions on the application, or are unsure of your medical conditions, they will recommend that you verify your information with your doctor.

Travel Health Insurance Association of Canada

The Travel Health Insurance Association of Canada is a national organization of travel insurance providers working together for the protection of the travelling Canadian. THiA’s suggested travel insurance shopping tips include:

  • Don’t buy on price alone. Insurance plans differ. All policies need to fit your health profile.
  • Many plans cover pre-existing conditions that are stable and controlled, but you have to understand what “stable and controlled” means. If you must complete a medical application, do it completely and accurately and get your doctor’s help if you need to.
  • Don’t wait to the last minute to buy your insurance. If you need to provide medical information you may want to consult your doctor or your pharmacist or a family member who knows about your medical history. Leave time to do this properly.
  • If you buy early for a trip you’re taking later on in the year and your health changes in the interim, notify your insurer immediately.
  • For those with medical conditions, the best way to purchase travel insurance is to speak with a qualified advisor who deals extensively in travel insurance.
Canadian Life and Health Insurance Association

The Canadian Life and Health Insurance Association is a voluntary trade association working on behalf of all its member life and health insurers. It produces a number of publications designed to assist Canadian consumers in making informed decisions.

One such CLHIA publication, A guide to travel health insurance, is intended to help consumers make the most of their travel health insurance coverage. The guide outlines the unexpected costs that may arise when traveling can include emergency hospital/medical costs, trip cancellation, lost baggage etc., but points out that not all plans cover all of these components.

Travel

If you’re ready to travel, start with the right protection

Whether you’d like a no-obligation quote or more information, call toll-free. A licensed travel insurance specialist from CanAm Insurance Services is here to answer your questions, explain your options and help select the right coverage for your needs based on your health and travel plans.

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Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife, PO Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.

Administered by CanAm Insurance Services (2018) Limited, travel insurance management specialists.

Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license. © 2024 The Manufacturers Life Insurance Company. All rights reserved.