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Covid-19 Pandemic Travel Plan

Planning on taking a trip outside of Canada? This plan can help protect you from unexpected emergency medical expenses and includes COVID-19 expenses. Trip interruption expenses are also available.  The COVID-19 Pandemic Plan offers up to $5,000,000 for non-COVID-19 related expenses and up to $1,000,000 for COVID-19 related expenses. Plus, if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada before your effective date, you are eligible for $5M in expenses related to COVID-19.

Exclusive for Costco members: Flight & Travel Accidental Death and Dismemberment

  • $25,000 CAD for Executive Members
  • $10,000 CAD for Gold Star/Business Members

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

Emergency Medical benefits up to $5,000,000 for non COVID-19 related claims or up to $1,000,000 for COVID-19 related expenses for*:

  • Emergency treatment
  • Paramedical services
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical evacuation home
  • Repatriation of bodily remains
  • Bringing someone to your bedside
  • Return home of children in the care of the insured
  • Return home of travel companion
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Hospital allowance
  • Childcare
  • Return of excess baggage
  • Phone call expenses
  • Pet return
  • Terrorism coverage

Note: You are eligible for $5 Million CAD coverage if you have received the full course of immunization for Coronavirus (COVID-19) that is authorized by Health Canada. It must be taken according to manufacturer’s recommendation before your effective date. You must also wait the applicable period of time for it to become fully effective based on the manufacturer's recommendation, or as dictated by the applicable health authority, before your departure date.

If medical assistance is required, call the Assistance Centre first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

Trip Interruption benefits

Interruption benefits include:

  • Reasonable and customary charges incurred by you for an interruption claim in the event that you are quarantined during your trip.
    • Up to $500 for the extra cost of a one-way economy class airfare to return home if you are delayed beyond the date you were originally scheduled to return home; and/or
    • Up to $150 per insured person per day for your additional and unplanned commercial hotel and meal expenses to a maximum of $2,100 if you are unexpectedly required to self-isolate or quarantine. Family coverage maximum is $300 per insured family per day to a maximum of $4,200.

This benefit is available only if your original trip duration is 31 days or longer, before any extensions. It is not available if your original trip duration is 30 days or less.

Important information about cruise travel: If you have not received the vaccine, this policy does not provide any coverage for Coronavirus (COVID-19) and related complications on a cruise or at any destination included in your cruise itinerary.

We will not pay any expenses related to the cost of and any expenses for a Coronavirus (COVID-19) test that is mandated by any body with appropriate authority (such as a government or a transportation service) for entry into or exit from a country/jurisdiction or to use its services.

Flight & Travel Accidental Death and Dismemberment

If you have an accidental bodily injury or you die during your trip we will pay 25% to 200% of your coverage amount:

  • $25,000 CAD for Executive Members
  • $10,000 CAD for Gold Star/Business Members

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • Be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip.
  • Be at least thirty (30) days of age;
  • Not have been advised by a physician to avoid travel at this time;
  • Not have a terminal illness or metastatic cancer;
  • Not require kidney dialysis;
  • Not have been prescribed or used home oxygen in the last twelve (12) months; and
  • Never have had bone marrow, stem cell or organ transplant (except corneal transplant)

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate category and duration
Rate category A B+ B C
Time Period 3 months 3 months 6 months 12 months

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition

Pre-Existing condition" means a medical condition that existed before your effective date.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in Medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Single-Trip Emergency Medical

Get protection from emergency medical expenses.

Planning on taking a trip out of Canada? This plan helps protect you from unexpected emergency medical expenses while travelling. Government health plans may provide limited or no coverage for these expenses, but this plan offers up to $5 million in emergency medical coverage.

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

The Single-Trip Emergency Medical plan covers costs related to an unexpected medical emergency, including:*

  • Hospital/doctor care and services
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

If you're looking for coverage for more than just emergency medical expenses, like trip cancellation, trip interruption, baggage loss or damage, consider the Single-Trip All-Inclusive plan.

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate category and duration
Rate category A B+ B C
Time Period 3 months 3 months 6 months 12 months

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition

Pre-Existing condition" means a medical condition that existed before your effective date.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in Medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Single Trip All-Inclusive

Ensure coverage for travel’s unexpected surprises.

If you're planning on taking a trip outside of Canada, but want protection beyond just emergency medical costs, this plan offers great value – including coverage for Trip Cancellation and Interruption, Baggage Loss and more.

Government health plans may provide limited coverage for these expenses, but this plan offers up to $5 million in emergency medical coverage.

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip. (All dollar figures are in Canadian dollars.)

The Single-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:

Emergency Medical benefits*

  • Hospital/doctor care and services
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

Trip Cancellation & Trip Interruption benefits

  • Up to $5,000 per insured
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted

Highlights of some of the covered events:*

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:*

  • Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while you are en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident Insurance

Flight Accident and Travel Accident Insurance covers the following benefits:*

  • If an accidental bodily injury causes you to pass away, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes you to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

To be eligible for All-inclusive coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate category and duration
Rate category A B+ B C
Time Period 3 months 3 months 6 months 12 months

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-existing condition exclusions – Trip Cancellation & Trip Interruption

Travel insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Pre-Existing Condition

Pre-Existing condition" means a medical condition that existed before your effective date.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in Medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Single-Trip Travel Canada Emergency Medical

Go see the country knowing you’re protected.

Heading out to see more of the country, outside your home province or territory? This plan protects you from unexpected emergency medical expenses while travelling. Government health plans may provide limited coverage for these expenses, but this plan offers up to $5 million in emergency medical coverage.

Plus, premiums are half the cost you'd pay if you were travelling outside Canada.

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

The Single-Trip Travel Canada Emergency Medical plan covers you for costs related to a medical emergency, including:*

  • Hospital/doctor care and services
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

 

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

All travel must be within Canada but out of your province or territory of residence.

Trip Cancellation & Trip Interruption

Protect the investment you’ve made in your trip.

You may already have a travel insurance plan that covers emergency medical expenses. But what if, due to an unforeseen emergency or event, you have to cancel your trip? What if you unexpectedly need to return home earlier or stay longer than planned?

Adding the Trip Cancellation & Trip Interruption plan to your existing travel medical coverage helps you protect the investment you made in your trip. You can also purchase it as a stand-alone plan, if that's all the coverage you want.

Trip Cancellation & Trip Interruption benefits*

  • Up to the sum insured amount
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted.

Highlights of some of the covered events:

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

To be eligible for stand-alone Trip Cancellation & Trip Interruption insurance under this policy, you must:

  • be living in Canada or travelling through Canada;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

Pre-existing condition exclusions

Travel insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Multi-Trip Emergency Medical

Cover yourself on every trip you take.

If you're headed out on two or more trips within the next year, this plan offers the best value for emergency medical protection.

It protects you for as many trips as you want to take throughout the year, for one affordable premium – with up to $5 million in emergency medical coverage.

In many cases, if you took two trips within the year, this coverage would cost less than the price of two Single-Trip Emergency Medical plans.

You can choose from three trip durations:

  • 10 days
  • 18 days
  • 30 days

If necessary, you can purchase additional days with Emergency Medical Top-Up

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

The Multi-Trip Emergency Medical plan covers you for costs related to a medical emergency, including:*

  • Hospital/doctor care and services
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

If you're looking for coverage for more than just emergency medical expenses, like trip cancellation, trip interruption, baggage loss or damage, consider the Multi-Trip All-Inclusive plan.

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate category and duration
Rate category A B+ B C
Time Period 3 months 3 months 6 months 12 months

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition

Pre-Existing condition" means a medical condition that existed before your effective date.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in Medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Multi-Trip All-Inclusive

Lock in comprehensive coverage for every trip you take.

If you're headed out on two or more trips within the next year, but want protection beyond just emergency medical costs, this plan offers great value – including coverage for Trip Cancellation and Interruption, Baggage Loss and more.

It protects you for as many trips as you want to take throughout the year, for one affordable premium – with up to $5 million in emergency medical coverage.

In many cases, if you took two trips within the year, this coverage would cost less than the price of two Single-Trip All-Inclusive plans.

You can choose from three trip durations:

  • 10 days
  • 18 days
  • 30 days

If necessary, you can purchase additional days with Emergency Medical Top-Up.

Travel insurance must be purchased prior to departure from your province or territory of residence in Canada and for the entire duration of your trip.

The Multi-Trip All-Inclusive plan covers you for costs related to a medical emergency and many other parts of your trip, including:*

  • Hospital/doctor care and services
  • Paramedical services – including visits to licensed chiropodists, podiatrists, physiotherapists, chiropractors, or osteopaths
  • Ambulance transportation
  • Emergency dental treatment
  • Emergency medical return home
  • Expenses to return your travel companion or children under your care
  • Additional expenses for meals and hotel
  • Return home of vehicle
  • Trip break without terminating coverage
  • Expenses related to death
  • Expenses to bring someone to your bedside when travelling alone

If medical assistance is required, call the Assistance Centre first. It’s available 24/7. When you call, you’ll get access to StandByMD™, a service that can connect you with:**

  • A physician visit or call
  • Locating a clinic nearby
  • Emergency room admission

Trip Cancellation & Trip Interruption benefits

  • Up to $5,000 per trip / $8,000 per policy
  • Reimbursement for a covered event (see below) of the prepaid portion of the trip that is non-refundable and cannot be moved to another date, should you need to cancel your trip or your trip is interrupted

Highlights of some of the covered events:*

  • Your or your travel companion's unexpected medical emergency or death
  • Unexpected medical emergency or death of your or your travel companion's immediate family or key person
  • Cancellation of a business meeting
  • A job loss by you, your spouse, your travel companion or travel companion's spouse
  • The person whose guest you will be during your trip has been admitted to a hospital or passes away

Baggage Loss, Damage and Delay

This coverage relates to the loss of, damage to, and delay of baggage and effects. This insurance provides coverage for the following expenses:*

  • Up to $100 for replacement of a lost or stolen passport, driver's licence, birth certificate or travel visa
  • Up to $500 for necessary toiletries and clothing when luggage is delayed by the carrier for at least 10 hours while you are en route
  • Up to $300 per trip for any item or set of items to a maximum of $1,000

Flight Accident and Travel Accident Insurance

Flight Accident and Travel Accident Insurance covers the following benefits:*

  • If an accidental bodily injury causes you to pass away, to become completely and permanently blind in both eyes or to have two limbs fully severed above the wrist or ankle joints, in the 12 months after the accident, we will pay: $100,000 under Flight Accident Insurance; or $50,000 under Travel Accident Insurance.
  • If an accidental bodily injury causes you to become completely and permanently blind in one eye or have one limb fully severed above a wrist or ankle joint in the 12 months after the accident, we will pay: $50,000 under Flight Accident Insurance; or $25,000 under Travel Accident Insurance.
  • If you have more than one accidental bodily injury during the trip, we will pay the applicable insured sum only for the one accident that entitles the insured to the largest benefit amount.

To be eligible for All-inclusive coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 5% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate category and duration
Rate category A B+ B C
Time Period 3 months 3 months 6 months 12 months

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-existing condition exclusions – Trip Cancellation & Trip Interruption

Travel insurance will not cover any expenses or benefits relating to:

  • Any medical condition that was not stable in the three (3) months before the purchase date of this insurance;
  • Any heart condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion have taken any form of nitroglycerine for the relief of angina;
  • Any lung condition you or your travel companion have if, during the three (3) months prior to the purchase date or application date of this insurance, you or your travel companion required treatment with home oxygen or Prednisone for a lung condition.

Pre-Existing Condition

Pre-Existing condition" means a medical condition that existed before your effective date.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in Medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Emergency Medical Top-Up

Fill in the gaps in your travel coverage.

Maybe you already have coverage, whether it's from another provider or one of our Multi-Trip plans, but the duration of coverage isn't long enough for your needs.

The Emergency Medical Top-Up plan* is here to help. Simply put, it allows you to add extra time to your existing coverage, upon its expiry, at affordable Costco member rates.

Top-Up details

  • It is your responsibility to confirm that you will not lose your existing coverage from another provider if you add the Top-Up plan.
  • If you've already purchased Multi-Trip coverage, Top-Up coverage must be purchased prior to its expiry date. And Top-Up coverage is subject to an extra premium charge.

To be eligible for Emergency Medical coverage, you must, as of the date you apply for coverage and the effective date:

  • be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
  • have paid the appropriate premium;
  • be at least thirty (30) days of age;
  • not have been advised by a physician to avoid travel at this time;
  • not have a terminal illness or metastatic cancer;
  • not require kidney dialysis;
  • not have been prescribed or used home oxygen in the last twelve (12) months; and
  • never have had bone marrow, stem cell or organ transplant (except corneal transplant).

If you are age 60 or over, you will need to complete the Medical Questionnaire to determine your eligibility and rate category.

A 10% smoker's surcharge will apply to you if you are age 60 or over and have smoked cigarettes and/or used vaping products or e-cigarettes in the last 2 years prior to the date of application.

Pre-existing condition exclusions – Emergency Medical

Rate category determines the duration of the pre-existing condition exclusion and is based on age, medical history and plan type.

Rate category and duration
Rate category A B+ B C
Time Period 3 months 3 months 6 months 12 months

Travel Insurance will not cover any expenses relating to a…

Pre-existing medical condition: 

that was not stable in the time period before the effective date of your insurance;

Heart condition:

if, in the time period before the effective date of coverage, any heart condition has not been stable or required any form of nitroglycerine for the relief of angina pain;

Lung condition:

if, in the time period before the effective date of coverage, any lung condition has not been stable or has required treatment with oxygen or Prednisone for the lung condition.

NOTE: For the Travel Canada Emergency Medical plan, no pre-existing condition exclusion applies.

Pre-Existing Condition

Pre-Existing condition" means a medical condition that existed before your effective date.

Medical Condition

"Medical Condition" means any disease, sickness or injury (including symptoms of undiagnosed conditions).

Stable

A medical condition is considered stable when all of the following statements are true:

  1. there has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
  2. there has not been any change in medication, or any recommendation or starting of a new prescription drug, and
  3. the medical condition has not become worse, and
  4. there have not been any new, more frequent or more severe symptoms, and
  5. there has been no hospitalization or referral to a specialist, and
  6. there have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
  7. there is no planned or pending treatment.

All of the above conditions must be met for a medical condition to be considered stable.

Change in Medication

"Change in medication" means the medication dosage, frequency or type has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. 

Exceptions: the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Treatment

“Treatment” means hospitalization, a procedure prescribed, performed or recommended by a physician for a medical condition. This includes but is not limited to prescribed medication, investigative testing and surgery. 

Important: Any reference to testing, tests, test results, or investigations excludes genetic tests. “Genetic test” means a test that analyzes DNA, RNA or chromosomes for purposes such as the prediction of disease or vertical transmission risks, or monitoring, diagnosis or prognosis.

Frequently asked questions

Global Affairs Canada states: "Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your government health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy."

You can opt to purchase coverage for the entire time you are away from your province of residence or just for the portion of your trip that is away from Canada. In other words, the effective date of coverage can be either the last day you are in your province of residence or the last day you are in Canada. As government health insurance plans vary among the provinces and may not provide emergency return home benefits, you should consider coverage for the full length of your trip.

Government health insurance plans may have limits on the reimbursement of the emergency medical expenses incurred while in another province. For example, air and ground ambulance costs, emergency dental treatment and prescription drugs might not be covered outside your province of residence. For maximum protection, you should purchase additional medical coverage even while travelling within Canada.

Yes. Travel Insurance for Costco Members allows top up coverage of another insurer's plan. You are responsible for ensuring that your current coverage is in force and allows top-up. Your top-up coverage is subject to the terms and conditions of the Travel Insurance plan.

It is your responsibility to ensure that your existing plan permits top-ups.

If you are already on your trip, you can extend coverage by calling Customer Service at 1-866-707-4922 provided there has been no event that has resulted or may result in a claim against the policy and there has been no change in your health status. In addition, you must request the extension before your coverage expires and pay the appropriate premium. Extension of your coverage is subject to approval.

If you have a Multi-Trip Plan, you must top-up your coverage before you leave home, by purchasing a Top-Up plan for the additional number of days beyond the duration provided by your Multi-Trip Plan to the maximum allowed by your Canadian government health insurance plan. To top-up your coverage after you leave home, you must call us at 1-866-707-4922.

You may purchase Travel insurance for Students. This plan has been designed for students, including post-graduate researchers.

Yes, grandchildren fall under our definition of a "child" but the dependent grandchild must be named on your confirmation and be travelling with you, and you must pay the premium for Family Coverage. All travellers covered under a family policy must be under 60 years of age.

Take action

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Contact us

For more information and to speak to a Licensed Insurance Advisor, call

1-866-707-4922
(Monday – Friday 8am – 8pm ET)

Or email travelhelp@manulife.com

Ready to apply?

If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application. 

10-Day Free Look

If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund if you have not already departed on your trip and there is no claim in progress. For information on refunds after the 10-Day Free Look period, please refer to the Cancellations & Refunds section in the policy.