Travel insurance that’s simple, easy and clear. Get a quote online today.

Ready to head out on your well deserved vacation? Before you finish packing, let’s package up your travel insurance.

What is travel insurance?

Travel insurance provides financial protection for you before, during and after your trips or extended stays. From trip cancellation to health care expenses while away and even lost luggage, planning your travel insurance is as important as planning the trip itself.

Benefits of travel insurance

  • Supplements your provincial health insurance
  • Access to the coverage you need, including emergency medical and dental coverage, trip cancellation, trip interruption and baggage protection
  • Peace of mind knowing if the unexpected does happen, you will have coverage for all the care you need

Why do I need travel insurance?

A travel insurance policy is important coverage for every traveller. From a health insurance standpoint, unless you have travel medical coverage through your employer or other source, this is the most important component of a travel insurance plan. Medical bills when travelling outside of Canada (or even outside of Manitoba for that matter) can add up quickly.  And without travel medical insurance, you and your family could be on the hook for thousands of dollars worth of treatment, hospital stay and even transportation back home. Even if you have a great travel medical plan through work, if you invest thousands of dollars in a dream vacation and become unable to travel, with trip cancellation benefits, you can rebook for another time. You may get off to a good start on your trip but then have to cut it short due to an emergency or illness.  Trip interruption coverage will reimburse you for the unused portion of your trip.  Delays and baggage problems that cause you issues while travelling can also be covered depending on the type of plan.

What type of traveller are you?

Are you a seasoned “Anthony Bourdain” type traveller? A “hang loose” adventurer? A five star accom type? Snowbird? Or maybe a student attending school in another country? A traveller visiting Canada?  A travel insurance policy is as important as your passport when checking off your “to do’s” for your next adventure.

Not all travel insurance policies will be the answer for every traveller.  It depends on your purpose for travel, how long you plan to be away and even your age.  Your first step when thinking of travel insurance is to check any benefits you may have through your group plan at work – you might already have everything you need.  If not, keep reading!

What Does Travel Insurance cover?

Theses are the types of travel insurance coverage that can be purchased.

  • Emergency medical insurance – world-wide coverage up to $10million (depending on insurance provider)
  • Travel accident coverage – provides coverage in the event that you are injured during your travels; available for single trips or as an annual policy to cover multiple trips or longer stays
  • Trip cancellation and interruption insurance – covers the cost of your airfare, other travel and accommodation
  • Baggage insurance – for lost or delayed baggage
  • Contact, adventure or extreme sports coverage
  • All inclusive packages – provide emergency travel health coverage, trip cancellation or interruption, missed connections, cost of lost or delayed baggage
  • Student plans – available for both Canadian students studying abroad or foreign students studying in Canada

Who is travel insurance for?

Anyone travelling outside of their home province to other parts of Canada, to the United States or around the world will benefit from travel insurance products:

Quick get away travellers – If you’re planning a quick get away and your main concern is health coverage while travelling, single trip emergency medical insurance is the basic coverage you will need.  This will provide worldwide emergency medical coverage.  Note that if you travel often, it may be advantageous to consider an annual plan.

Snowbirds – Canadian winters can be harsh and if your plan is to winter in a warmer climate like a Canada goose, an annual policy will cover you for up to 182 days.

Adventure travellers – Most travel medical plans will have exclusions for extreme sports and activities. But many of us seem to think repelling into a deep cavern or hanging ten while tackling that big kahuna is a great idea.  Be sure to inquire about adventure or extreme sports coverage.

“All inclusive” travellers – Regardless of the type of vacation you have booked, your travel insurance can be a five-star all inclusive. This package provides everything you need; emergency health coverage, trip cancellation and interruption, missed connections, airline and common carrier accidents, baggage loss or delay.

Studious types – Medical coverage is available while studying away from home.  This coverage is for Canadian students attending school outside Canada as well as foreign students studying at a Canadian university or college.




Worldwide coverage up to a maximum of $5 million

*Trip lengths up to 182 days (different options available)

*No age restrictions unless it is a family plan then up to age 59
Worldwide coverage up to a maximum of $10 million

*Trip lengths up to 125 days (different options available)

*Available to persons up to and including age 59
Different sums available for purchase

*No age restriction for single person. Family plan up to age 59. Two people plan up to 64
Different sums available for purchase.

Includes:
• Emergency medical coverage
• Trip cancellation or interruption
• Accidental death and dismemberment
• Baggage
Must be purchased with a travel health plan.

*Maximum limit for air flight/common carrier accident is $100,000

*Maximum limit for 24-hour accident is $25,000
Includes the following:

• Emergency medical insurance
• Trip cancellation & trip interruption
• Accidental death & dismemberment
• Baggage insurance

*Only available I 59 years or under

*Pre-existing condition clause does apply
Includes the following:

• Emergency medical insurance
• Trip cancellation & trip interruption
• Accidental death & dismemberment
• Baggage insurance

*Only eligible for customers no more than 89 years old
Baggage Insurance

Rental Car Insurance (physical damage only)

Contact, adventure or extreme sports coverage

*Must be purchased with another plan
Baggage Insurance

Canadian Expatriates Plan

Inpatriates to Canada
Must be purchased with a travel health plan.

*Trip interruption can be purchased separately
Basic or Select plans available

*Only eligible for customers no more than 89 years old

*Trip interruption can be purchased separately
Must be a student and less than 40 years of age

*$2million in coverage
*Family plan available ifunder 40
None available
Must be a student and less than 69 years of age

*$2 million in coverage
*Family plan available if under 59
Must be a student and less than 60 years of age

*$2 million in coverage
*Coverage available for spouse & dependents
Worldwide coverage up at maximum of $5 million.

Policy options:
• Within Canada
•Worldwide
• Worldwide (excluding the USA)

*Pre-existing condition clause does apply

*Persons over the age of 55 must complete a medical questionnaire.

*Different deductible options are available
Worldwide coverage up at maximum of $10 million.

Policy options:
• Worldwide including USA
• Worldwide (excluding the USA)

*Only eligible for customers no more than 89 years old

*Persons over the age of 60 must complete a medical questionnaire

*Pre-existing condition clause does apply

*Different deductible options are available
Worldwide coverage up to a maximum of $5 million

*Trip length up to 32 days or less. Additional days available for purchase if under the age of 55

*Available to persons up to and including age 74
None available
None available
Airfare cancellation or Holiday cancellation packages available

*Must be purchased within 72 hours of initial deposit.
Includes the following:

• Trip cancellation before or after trip
• Missed connections
• Emergency travel health coverage
• Air flight or common carrier accident
• 24 hour accident
• Baggage and baggage delay
• Transportation of deceased

*Must be purchased within 72 hours of initial deposit.

* Trip cannot exceed 32 days in length

*Pre-existing condition clause does apply
Titled ‘Travel Accident Plan’ and must be purchased along with another plan.

*Different sums available for purchase.
Sums insured: $25,000, $100,000 or $250,000

Flight accident also available for purchase
None available
None available
Worldwide coverage up at maximum of $5 million.

*Persons over the age of 55 must complete a medical questionnaire

*Pre-existing condition clause does apply

Visitors to Canada Holiday Package
Student Medical Insurance (Inbound) – Students coming to Canada
Visitors to Canada – Emergency Medical Insurance (Single Trip)
Emergency Medical Insurance – Multi Trip Annual
TuGo
Manitoba Blue Cross
Emergency Medical Insurance – Single Trip
Trip Cancellation / Trip Interruption Insurance
All Inclusive Holiday Packages
Additional Coverages
** Exclusions apply, please refer to a broker formore information **
Accidental Death & Dismemberment Insurance
Student Medical Insurance (outbound) – Canadian Students studying abroad
Allianz Global Assistance
Different sums available for purchase

*Only eligible for customers no more than 89 years old
The mortgage lender
Pay off mortgage
With your mortgage payment
The mortgage lender
Often underwritten at time of death
Not neccessarily guaranteed
None
Usually not available
Often same rates given, regardless of other factors
Benefit decreases as mortgage paid off
If you move, the insurance ends You will have to requalify
Can only cover the mortgage
Decreasing Term
Bank
Anyone - you decide
Beneficiary decides
Invest? Pay off mortgage?
Monthly, semi-annually,annually
Get level benefit Or lower benefit overtime to match yourmortgage
Underwriting at time of application
Fully guaranteed
Premium based on gender, smoking, health, lifestyle
Preferred underwriting available
Individual policies can be customized
Deal with licensed advisors
Insurance stays with you - even if you refinance or change lenders
Take care of all insurance needs with one policy
Term or Permanent
Insurance
Broker
Payment Frequency
Other Life Insurance needs
How Insurance will be used
Beneficiary
Your best options are available through an insurance brokerage.

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