What insurance protects travelers and visitors?

December 1, 2023

The following insurance plans can offer emergency medical protection for visitors, immigrants, international students and residents not covered by government health insurance. Visiting guests can be covered by valid medical health insurance, which begins upon arrival here insofar as it is bought ahead of travel.

Emergency medical expenses
While travelling outside your country or locality, your government health insurance may partially cover some expenses. There is daily and annual coverage, which is great if you travel to the warmer climes in the winter or year-round.

Travelling outside of their country, an insured individual is covered by emergency insurance which pays for expenses related to an emergency medical condition (covered by the plan). These expenses may be a hospital stay, prescription drugs, ambulance transportation, etc. Please refer to the policy for more details.

Coverage can include these expenses:

  • Bedside companion travel and sustenance allowance
  • Ambulance transportation
  • Diagnostic (X-ray, lab tests)
  • Hospital (semi-private room)
  • Flight and travel accident coverage
  • Prescription drugs
  • physician or surgeon
  • Return transportation to the location of travel departure if emergency medical attention is needed
  • Emergency dental treatment by a licensed dentist and associated cost of prescription drugs while the insured is travelling
  • Accidental injury, dismemberment, or death by accident where the accident occurred during travel
  • Loss/damage of baggage and personal effects
  • Trip cancellation and interruption

Note: Refer to the policy, which may vary. Ask your advisor what the best plan for you is.

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