Travel Insurance Quotes

Quote Request Form

Follow Us:

facebook twitter

Comprehensive All Inclusive Travel Insurance Package

all-inclusive-travel-insurance

Comprehensive Travel Insurance combines medical, cancellation, interruption, baggage and Accidental Death insurance in one packaged plan

  • Emergency Medical Insurance
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Baggage Insurance
  • Accidental Death and Dismemberment ( 'AD&D' )

Canadians are well aware of the risks associated with medical emergencies while traveling. Emergency medical travel insurance can be purchased alone or in a comprehensive travel insurance packaged policy. These comprehensive travel insurance plans combine emergency medical, trip cancellation, trip interruption, accidental death, and baggage in one single policy.

Comprehensive travel insurance policies provide many benefits;

  • Excellent Value - in most cases it is cheaper to purchase the comprehensive travel insurance package than purchasing each plan separately. You can save up to 60% of the cost of individual plans.
  • No Medical Questionnaires - Most companies do not require Seniors to answer medical questionnaires when purchasing a comprehensive travel insurance package. Normal pre-existing condition exclusions apply so please read the policy carefully before purchasing.
  • Simplicity - When purchasing a comprehensive travel insurance package your credit card will only be charged once, you will only need to deal with once insurance company if you need to file a claim, and you will only have one policy number to carry while you are traveling.

Most Canadian travel insurance companies offer comprehensive travel insurance packages to Canadian travelers. Only a few offer these comprehensive travel insurance packages to visitors to Canada. Travel Insurance Quotes will assist you in getting the best comprehensive plan for your travels.

frequently asked questions

Frequently Asked Questions about Travel Insurance for Canadians

  • What am I covered for?

    All inclusive travel insurance plans typically include the following insurance protection

    • Emergency Medical Insurance
    • Trip Cancellation/Interruption Insurance
    • Baggage Insurance
    • Accidental Death and Dismemberment
    • Flight Accident

    Coverage limits vary by company. You are encouraged to read the policy wording prior to purchase

  • What is the difference between single trip and annual plans?

    Single trip insurance will only cover the trip dates specified at the time of purchase. Annual (multi-trip) travel insurance is purchased to cover unlimited number of trips in a 365 days period. Annual plans are purchased with a trip length, normally one week, two weeks or one month. So, a 30 day annual plan will cover the insured for unlimited number of trips up to 30 days in duration. If the insured is planning a trip beyond 30 days then extra top-up travel insurance will be required to extend coverage.
  • I already have 30 coverage from my group plan but I am planning a 60 day trip. Can I coverage for day 31 to 60 only?

    No. All inclusive travel insurance has to be purchased to cover the entire trip duration. Only emergency medical insurance can be purchased to top up an existing medical insurance plan. You may consider purchasing an individual trip cancellation/interruption plan that includes baggage to supplement you existing medical insurance coverage.
  • I notice that my all inclusive quote shows lower rates than my trip cancellation/interruption quote. How can that be?

    We notice this pricing anomaly also. We believe that the canadian travel insurance companies feel the need to be more competitive in their pricing for all inclusive travel insurance. Whatever the reason, we get excited when our customers use our online quote system to find pricing bargains. Finding travel insurance bargains is the purpose we started travelinsurancequotes.ca
  • What does trip cost per person mean?

    The pricing on all inclusive travel insurance is variable... meaning a plan that provides $1,000 of trip cancellation coverage will cost less than a plan that provides $5,000 coverage for trip cancellation. Trip cancellation will only reimburse the non-recoverable portion of your trip cost.... so it makes sense to only pay for coverage that you can collect. If you are unsure what the non-recoverable portion of your trip you should ask the travel supplier how much money your will get, back if any, should you need to cancel.
  • Your rates are much lower than my travel agent. How can that be?

    Typically, travel agents are not insurance brokers... therefore they usually only provide policies from one company (typically RBC Insurance). Because the travel agents are exclusive distributors they do not have the power to offer options should the pricing be uncompetitive. TravelInsuranceQuotes.ca provides pricing transparency so our customers Can find the best pricing before they decide to purchase.

Companies Providing All Inclusive Travel Insurance Plans For Canadian Travelers

Manulife Financial
Plan Name Emergency Medical for Canadian Travelers
Emergency Medical Coverage amounts

$5,000,000

Deductibles options $0, $500, $1,000, $5,000, $10,000
Pre-existing Condition Exclusion Applicable to ages 54 and under - Rate Category A+. We will not pay any expenses relating to: -a pre-existing condition for which you have taken, received or been prescribed medication or treatment in the twelve (12) months before your effective date; and/or, -your heart condition if, in the twelve (12) months before your effective date you have taken, received or been prescribed medication or treatment or you have taken any form of nitroglycerine for the relief of angina pain; and/or, -your lung condition if, in the twelve (12) months before your effective date you have taken, received or been prescribed medication or treatment or you required treatment with oxygen or prednisone for your lung condition.
Maximum Age None
Notes
Policy Wordings

TIC - Travel Insurance Coordinators
Plan Name Emergency Hospital and Medical Insurance for Canadians
Coverage amounts

$5,000,000

Deductibles $0
Pre-existing Condition Exclusion Any sickness, injury or medical condition, that exhibited symptoms for which a diagnosis need not have been made or required any or all of, medical consultation, prescription medication, medical treatment or hospitalization, within the 180 days immediately prior to the effective date. This exclusion applies to persons up to age 70 on the effective date, traveling for periods of 36 days or longer and persons age 71 and over for trips of any duration. Any sickness, injury or medical condition for which a diagnosis need not have been made or state of health which, prior to the effective date of coverage, was such as to render expected medical treatment or hospitalization.
Maximum Age 85
Notes
Policy Wordings

Travel Guard
Plan Name Gold Medical Plan
Coverage amounts

Unlimited for applicants age 0-59

Deductibles options $0
Pre-existing Condition Exclusion Applicable to Age 0 - 59. Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion: ME#1. If at any time in the 90-day period immediately preceding your effective date: a) Your medical condition or any related condition has not been stable and controlled; b) Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or c) Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone); Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition.
Maximum Age None
Notes
Policy Wordings

Travel Underwriters
Plan Name Freedom Emergency Excess Hospital/Medical Insurance
Coverage amounts

$5,000,000

Deductibles options $0, $250, $500, $1,000, $2,000, $5,000, $50,000, $100,000
Pre-existing Condition Exclusion Any pre-existing condition as defined, except as follows: Applicable to persons 60 to 89 years a) On all trip lengths, pre-existing conditions must be stable in the 365 days prior to the commencement date of a covered trip. Pre-existing conditions that do not meet the criteria set out above are not covered. Applicable to persons 59 years and under a) On trips 35 days and less, except for conditions for which symptoms arose or for which medical consultation was required on the date of departure or at any time within the seven days prior to the date of departure, other than a minor ailment. b) On trips over 35 days, any condition which has remained stable in the 90 days prior to the commencement date of a covered trip.
Maximum Age 89
Notes
Policy Wordings
{"serverTime":1493353175}