See our FAQ for quick answers to your questions.


Please use the phone numbers on your insurance card when you call for assistance. It will help us identify you.

Check travel advisories: Before booking or leaving on a trip, check the travel advice and advisories information for the countries you want to visit. If the Canadian government recommends avoiding all non-essential travel for the region or country you plan on visiting, your insurance coverage may not be valid. If you need help verifying this information, contact our travel assistance service.

Check your coverage period: Make sure your insurance contract covers the full duration of your trip. Depending on the type of travel insurance contract you have, you may not be able to buy additional coverage once you’re abroad.

Also keep in mind that some insurance contracts are restrictive, if your trip exceeds the maximum duration indicated in your insurance contract, your coverage will not be valid, so even expenses incurred during your coverage period may not be covered. When in doubt, ask your insurer.

If you’re taking prescription drugs: Be sure to pack all the medication you may need during your trip. If you need a refill or if you forget your medication and need a new prescription, you will likely need to pay out of pocket for the doctor’s appointment, as this normally isn’t a benefit included in emergency medical care coverage.

If you want to buy top-up insurance: If you buy top-up insurance and require medical care during your initial coverage period, any care related to that condition may not be covered by your top-up insurance. Talk to your insurance provider to make sure you get the travel insurance coverage that’s best suited to your needs.

If you have a medical condition: Most travel insurance contracts cover only those emergency expenses related to an accident or a sudden illness that occurs during a trip. Expenses related to a medical condition you knew you had before your trip may not be covered. We strongly recommend talking to your insurer before leaving on a trip if, in the last few months:

  • The state of your health has changed
  • You’ve been hospitalized or have seen a doctor (except for a routine medical exam)
  • Experienced a medical issue
  • Your medication or dosage has changed
    Or, you are waiting:
  • To see a specialist
  • For an examination, treatment, or surgery

If you are asked for a deposit: Contact us before you pay any sort of deposit for medical services. We’ll be able to help you and possibly handle the bills directly.

Check your contract for exclusions: Read your insurance contract carefully to see if it contains an exclusion that could apply to you.

  • Sports: You intend to participate in a dangerous sport, high‑risk activity, or competition, or you will be paid to play a sport. The definitions vary, but almost all insurance contracts have a sports exclusion.
  • Pregnancy: Pregnancy and pregnancy‑related complications are normally excluded starting two months before the due date, or for the full nine months for high‑risk pregnancies.

If you need to cancel your trip: As soon as an event occurs that could reasonably force you to cancel your trip, contact your travel service provider and insurance company. Eligible expenses are reimbursed according to the penalty fees, as determined by the travel wholesaler and applicable on the date of the event.

If you call us from a cellular phone: Plan on travelling with your cellular phone? If you call our travel assistance service collect, your long-distance fees are covered, but roaming and network fees will not be reimbursed. Talk to your cellular service provider to make sure your plan meets your needs while you’re abroad.