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Emergency Medical Insurance

Why do I need it?

Provincial plans may not cover everything once you leave your home province or territory and typically cover only a limited portion once you leave the country.

With Emergency Medical Insurance, you and your family can be protected for unexpected emergency medical expenses while travelling, so you can feel good knowing you can be covered on your next vacation.

What’s included?

Emergency Medical benefits are offered up to a maximum of $5,000,000 CAD per insured person, per trip, for reasonable costs incurred as a result of a medical emergency during your trip. You can be covered for the following:

Hospital & Medical Expenses

Covers the cost of a medical emergency including hospital,surgical and medical treatments.

Dental
Expenses

Covers emergency dental expenses during your trip and up to $1,000 after your return.

Professional Services

Covers the cost of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist up to a maximum of $250 per profession, when ordered by a physician during your trip.

Emergency Care Costs (prices in USD)

Avoid paying these expenses out of pocket (estimates based on travels to the USA).
ambulance

AMBULANCE

$300 - $3,500

air-ambulance

AIR AMBULANCE

$15,000 - $70,000

er visit

ER VISIT

$200 - $9,500

urgent care

URGENT CARE

$150 - $2,300

Recommended Travel Plans

Ultimate Travel & Medical Plan
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    Emergency Medical Insurance

    Out-of-Province/Country Emergency Medical benefits are provided up to a maximum of $5,000,000 per insured person, per trip, for reasonable and customary costs incurred as a result of a medical emergency during your trip.

    Coverage is available for a single trip under the Per Trip Plan and for multiple trips during the year, eligible under the Multi-Trip Annual Plan.

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    Trip Cancellation Insurance

    Trip Cancellation benefits reimburse the cost of non-refundable, prepaid travel arrangements up to the amount of the sum insured in the event of trip cancellation as a result of an insured risk that happens prior to your departure.

    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan. Coverage is available for purchase at various sum insured levels, up to a maximum of $10,000 per person / $20,000 per family. The sum insured level purchased will be shown in the Confirmation of Insurance issued to you upon enrollment.

  • +

    Trip Interruption Insurance

    If an insured risk occurs during your trip and causes you to interrupt your trip, Trip Interruption benefits can cover the eligible costs of transportation to your next destination or early return to your departure point. If an insured risk occurs during your trip and results in your being delayed from returning to your departure point beyond your scheduled return date, certain eligible costs associated with this trip delay can be covered.

    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan. Coverage is available for purchase at various sum insured levels, up to a maximum of $10,000 per person / $20,000 per family for trip interruption benefits. The sum insured level purchased will be shown in the Confirmation of Insurance issued to you upon enrollment. For trip delay, eligible costs may be reimbursed up to $100 per day, up to a maximum of $1,000 per person / $3,000 per family.

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    Baggage & Personal Effects Insurance

    Baggage & Personal Effects insurance covers:

    • loss, theft or damage to the baggage and personal effects you own and use during your trip up to $1,000 per trip ($3,000 per family per trip), up to a maximum of $300 for any one item or set of items;
    • up to $250 towards the replacement expenses for the loss or theft of one or more of the following documents: passport, driver’s licence, birth certificate or travel visa;
    • up to $400 for necessary toiletries and clothing when checked baggage is delayed by the carrier for 12 hours or more while en route and before returning to your departure point.


    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan.

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    Flight & Travel Accident Insurance

    Flight & Travel Accident Insurance provides a benefit of $50,000 for death, double dismemberment, loss of sight of both eyes or complete and irrevocable loss of speech or hearing; or a benefit of $25,000 for single dismemberment or loss of sight in one eye; when such losses occur as the result of an accident that occurs during your trip, and when the loss occurs within 365 days from the date of the accident.

    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan.

View Certificate of InsuranceDownload Details

Essential Travel & Medical Plan
  • +

    Emergency Medical Insurance

    Out-of-Province/Country Emergency Medical benefits are provided up to a maximum of $5,000,000 per insured person, per trip, for reasonable and customary costs incurred as a result of a medical emergency during your trip.

    Coverage is available for a single trip under the Per Trip Plan and for multiple trips during the year, eligible under the Multi-Trip Annual Plan.

  • +

    Trip Interruption Insurance

    If an insured risk occurs during your trip and causes you to interrupt your trip, Trip Interruption benefits can cover the eligible costs of transportation to your next destination or early return to your departure point. If an insured risk occurs during your trip and results in your being delayed from returning to your departure point beyond your scheduled return date, certain eligible costs associated with this trip delay can be covered.

    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan. Coverage is available for purchase at various sum insured levels, up to a maximum of $10,000 per person / $20,000 per family for trip interruption benefits. The sum insured level purchased will be shown in the Confirmation of Insurance issued to you upon enrollment. For trip delay, eligible costs may be reimbursed up to $100 per day, up to a maximum of $1,000 per person / $3,000 per family.

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    Baggage & Personal Effects Insurance

    Baggage & Personal Effects insurance covers:

    • loss, theft or damage to the baggage and personal effects you own and use during your trip up to $1,000 per trip ($3,000 per family per trip), up to a maximum of $300 for any one item or set of items;
    • up to $250 towards the replacement expenses for the loss or theft of one or more of the following documents: passport, driver’s licence, birth certificate or travel visa;
    • up to $400 for necessary toiletries and clothing when checked baggage is delayed by the carrier for 12 hours or more while en route and before returning to your departure point.


    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan.

  • +

    Flight & Travel Accident Insurance

    Flight & Travel Accident Insurance provides a benefit of $50,000 for death, double dismemberment, loss of sight of both eyes or complete and irrevocable loss of speech or hearing; or a benefit of $25,000 for single dismemberment or loss of sight in one eye; when such losses occur as the result of an accident that occurs during your trip, and when the loss occurs within 365 days from the date of the accident.

    Coverage is available for a single trip under a Per Trip Plan or for multiple trips during the year under a Multi-Trip Annual Plan.

  • Trip Cancellation InsuranceNot
    included

View Certificate of InsuranceDownload Details

Basic Travel & Medical Plan
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    Emergency Medical Insurance

    Out-of-Province/Country Emergency Medical benefits are provided up to a maximum of $5,000,000 per insured person, per trip, for reasonable and customary costs incurred as a result of a medical emergency during your trip.

    Coverage is available for a single trip under the Per Trip Plan and for multiple trips during the year, eligible under the Multi-Trip Annual Plan.

  • Trip Cancellation InsuranceNot
    included
    X
  • Trip Interruption InsuranceNot
    included
    X
  • Baggage & Personal Effects InsuranceNot
    included
    X
  • Flight & Travel Accident InsuranceNot
    included
    X

View Certificate of InsuranceDownload Details

Ready? Compare quotes within minutes.Certain conditions, exclusions, limitations, and definitions apply.

Frequently Asked Questions

Coverage may be extended by calling 1-844-200-8959 and requesting an extension before your existing coverage for your trip terminates. Your request may be approved provided you meet the eligibility requirements and no event has occurred that would give rise to a claim under the insurance. If an event has occurred that would give rise to a claim, the extension of your insurance is subject to the approval of the Insurer.

A pre-existing condition exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Please refer to the insurance certificates available to see how this applies and how it relates to your departure date, date of purchase, or effective date.

Emergency Medical Insurance offers coverage to a maximum of $5,000,000 CAD per insured person, per trip, for eligible reasonable and customary costs incurred by you, in excess of any expenses payable by your government health insurance plan or any other insurance plan, for emergency services medically required during your covered trip as a result of a medical emergency.

For complete benefit details, including individual benefit limits, view our different plans and download the insurance certificates, or call 1-844-200-8959.

Contact us: 1-844-200-8959
Mon - Fri: 8am-8pm  (EST);
Sat: 9am-5pm  (EST) or get a quote online 24/7
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AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. In this outline, we have given a brief description of just some of the benefits available under AMEX® Travel Insurance. All insurance coverage is subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada and the applicable limitations and exclusions described in the Certificate of Insurance issued upon enrollment. Please read the Certificate of Insurance carefully. AMEX® Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

®, TM: Used by Amex Bank of Canada under license from American Express.

©2019 Royal & Sun Alliance Insurance Company of Canada. All rights reserved. ®RSA, RSA & Design and related words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun Alliance Insurance Company of Canada. RSA is a trade name of Royal & Sun Alliance Insurance Company of Canada.

†: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

  1. This is not an insurance coverage. Costs associated with any out-of-pocket expenses related to your Travel Emergency Assistance inquiry are your responsibility. Services will be provided as permitted under applicable law and must be authorized and arranged by AXA Assistance.
  2. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
  3. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

* AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. In this outline, we have given a brief description of just some of the benefits available under AMEX® Travel Insurance. All insurance coverage is subject to the terms and conditions of the Group Policy issued to Amex Bank of Canada and the applicable limitations and exclusions described in the Certificate of Insurance issued upon enrollment. Please read the Certificate of Insurance carefully. AMEX® Travel Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

** Travel Emergency support provided by Global Excel Management Inc.

®, TM: Used by Amex Bank of Canada under license from American Express.