Why travel insurance is worth it
Planning to go on a business trip, head to the seaside, take a cruise or explore Europe or Asia? When you travel outside of your home province, even for a day, travel insurance protects you from the unexpected.
Customized coverage
24/7 assistance service
Family discount
Compare our travel insurance plans
Choose the plan that’s best for you and get the right coverage for the right price.
| Single-trip insurance | Multi-trip annual insurance | |
|---|---|---|
| Frequency of travel | Occasional | Frequent |
| Number of trips | 1 | Unlimited |
| Length of trip | Between 1 and 365 days | Several options available (8, 15, 23, 30, 45, 60, 90, 120 or 182 days) |
| Contract |
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Travel insurance for seniors
If you’re 61 to 80 and choose multi-trip annual insurance, you can benefit from our Quattra Advantage. Fill out the medical questionnaire (answers are valid for 4 years). Any changes to your health during this time do not affect your premium or eligibility.
Explore our coverages
Have travel insurance through your group insurance plan or credit card? Check your coverage and supplement as needed.
Choose 1 or more coverages. Save when you take out more than 1 with our multi-coverage discount.
Emergency healthcare
- Reimburses up to $5 million per person, per trip for emergency medical care received in the event of an unexpected illness, accident or hospitalization
- Covers transportation or repatriation for medical reasons or in the event of death
Trip cancellation or modification
- Reimburses costs if a trip needs to be cancelled for a reason recognized in the policy
- Covers the unused portion of your trip and certain related expenses if you need to come home sooner for a reason recognized in the policy
Baggage
- Pays an amount if your baggage is lost or damaged by a common carrier or if it’s stolen
- Reimburses costs for replacing passports, visas, driver’s licences or birth certificates
Accident
Pays a benefit for accidental death or loss of use of a limb or body function that occurs on a flight or during your trip
Emergency return trip
- Available as an add-on to emergency healthcare
- Covers flight costs from your destination to your home province and back again under certain circumstances
- Recommended for trips over 30 days
How much does travel insurance cost?
The cost of travel insurance depends on your age on the departure date, your state of health, duration of the trip, and coverages and insurance amounts chosen.
Save with our discounts
Families
When several family members are insured on the same policy, only the 2 oldest members pay premiums for our emergency healthcare, baggage, emergency return trip and accident coverages. So kids travelling with their parents or grandparents get these coverages free of charge.
Desjardins members
Get 3 days of free travel insurance.
Eligibility and restrictions
To be eligible, you must:
- Be a Canadian resident
- Be covered by the health and hospital insurance plans in your home province for the duration of your trip
- Start and end your trip in your home province (in Canada)
- Buy the insurance before your departure date and for the full duration of your trip
- Be under 81 for multi-trip annual insurance
Pre-existing conditions, exclusions and limitations
Travel insurance only covers sudden and unexpected events. So you may not be covered for an injury or medical condition you had before your departure. This is known as a pre-existing medical condition.
Also, each coverage has exclusions and limitations. We don’t reimburse expenses under these conditions or circumstances. For more information, see our travel insurance policies or contact us.
Activities covered and not covered
Some high-risk activities are not covered under your travel insurance. If you have any questions, contact us.
Examples of activities covered
- Jet skiing
- Snorkelling
- Downhill skiing at a ski resort
- Surfing
- Riding a camel or an elephant
- Mountain hiking
- Skateboarding
- Longboarding
- Hot-air ballooning
- Deep-sea fishing
- Ziplining
Examples of activities not covered
- Climbing
- Bungee jumping
- Hang gliding
- Kitesurfing
- Parachuting
- Paid sports activities
FAQ
Do I need travel insurance for a short trip?
It’s a good idea to be covered whenever you leave your home province, even for a day. If you have a medical emergency, you may have a large bill to pay. For example, a hospital stay in the US can cost over $5,000.
Do I need travel insurance if I’m covered by my provincial health plan?
It’s a good idea to have our emergency healthcare coverage to protect yourself against unexpected medical expenses. Your provincial health plan only covers a small part of the costs if you have a sudden illness or accident during your trip.
Contact us
Customer service
To file a claim, make changes to your policy or ask questions.
Canada and the US:
1-855-368-6924 This link opens your phone app.
Elsewhere in the world (collect call):
1-418-647-5140 This link opens your phone app.