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Great!  You’re getting ready to travel your way.

I’ll research and send you personalized options.

If you have any questions or details you want to add, or want to know more about trips,
you can always reach me at [email protected]

Enjoy travelling – know you’re prepared

Maybe it’s a cancelled flight, or you need to cancel due to illness.  Perhaps it’s lost medication, or unforeseen illness or accident.

We want you to have the best travel experience – and that means travelling with confidence.
Travel insurance is a must for any traveller … even within North America (even within Canada!)

Start with basic information and I’ll provide you with a quote:

  • YYYY slash MM slash DD
  • YYYY slash MM slash DD

Some F.A.Q.s about Travel Insurance

Under the Annual Medical Plan, the first travel date may not be scheduled more than 3 months after the Annual Plan premium is paid.

To determine the stability requirement of any medical condition, please refer to the definition of stable within the policy booklet. Please also take the time to review other exclusions and conditions of the coverage outlined in the policy as the period of being stable depends on the coverage chosen and the age at the time of purchase.  Tammie can answer specific questions about the policy.

No. Coverage terminates when you return to your point of departure.

No. Coverage must be purchased prior to departure.

However, if you do have coverage in place, you may request an extension of your coverage if you extend your trip.

Some refunds are permitted. Please ask Tammie if you have specific questions.

It depends on when your wife has to report for jury duty. If that date falls during your trip, you may submit a claim for trip cancellation.

It will depend on what the non-refundable portion of your trip is at the time you developed the medical condition. The examiner will look at the penalties that were applicable to you on the date of the cause of cancellation or on the next business day at the latest and you will be reimbursed for covered non-refundable expenses.

If your clubs are stolen and you can provide documentation to that effect, you are eligible to file a claim. However, the baggage insurance covers a maximum dollar amount and may not be sufficient to cover your entire loss. You may be able to claim the difference through your homeowner’s insurance policy.

Scuba diving is covered only if it is not your principal paid occupation.

Some available insurance plans

All Inclusive Plan 

No age limit. Family rates available for under age 60. The all-inclusive plan offers the convenience of purchasing many coverages in one policy.

  • No Medical Questionnaire required – Eligibility Requirements must be met for ages 75 and over.
  • Unlimited Trip Interruption Coverage.
  • Baggage Loss, Damage – Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects.
  • Baggage Delay – Up to $500 to buy necessary clothes and toiletries in the case of baggage delay.
  • Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses.
  • Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return.

Non-Medical Inclusive Plan

No age limit. Family rates available for under age 60. This non-medical package plan is for those looking for a package plan to complement their existing travel emergency medical coverage.

  • Unlimited Trip Interruption Coverage.
  • Baggage Loss, Damage – Up to $300 per item to a maximum of $1,500 for lost, stolen or damaged personal effects.
  • Baggage Delay – Up to $500 to buy necessary clothing and toiletries in the case of baggage delay.
  • Missed Connection – Up to $2,000 for same class transportation to catch up with the trip if your client’s flight schedule changes, causing a misconnection, and up to $350 per day for up to 2 days for hotel and meal expenses.
  • Delayed Return – Up to $350 per day (to maximum of $3,500) for hotel and meal expenses if a covered risk prevents a scheduled return.

Trip Cancellation Plan

No age limit. This plan covers the risk of unexpected cancellation and interruption. It does not include emergency medical coverage. We recommend you ensure that you have emergency medical coverage with assistance services available during your trip.  Some of the covered risks include:

  • Reimbursement of non-refundable pre-paid trip costs, up to the Sum Insured, when an unexpected medical emergency strikes you, your travelling companion or immediate family members, causing the cancellation or interruption of the trip.
  • Travel advisories issued that affect your insured trip.
  • Weather delays.
  • Missed connection expenses due to a covered risk.
  • Trip delay expenses due to a covered risk.

Global Medical (Under Age 60) Plan

No medical questionnaire required. Family rates are available. Up to $5,000000 CDN in emergency medical coverage plus access to multilingual 24/7 travel assistance for:

  • Covered medical provider expenses including those of a hospital, physicians and nurses.
  • Toll-free assistance centre to provide assistance and managed care.
  • Have covered medical bills pre-paid where available.
  • Arrangement of air ambulance services when necessary and arranged by the Assistance Centre.
Interested in other options?  Contact me to find out about longer durations (e.g, annual medical plans), youth medical plans or other options to suit your budget.