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Emergency Medical Insurance1
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 AMEX® Travel 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)
AMBULANCE
$300 - $3,500
AIR AMBULANCE
$15,000 - $70,000
ER VISIT
$200 - $9,500
URGENT CARE
$150 - $2,300
Recommended Travel Plans
View Certificate of InsuranceDownload Details
View Certificate of InsuranceDownload Details
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Trip Cancellation InsuranceNot
includedX -
Trip Interruption InsuranceNot
includedX -
Baggage & Personal Effects InsuranceNot
includedX -
Flight & Travel Accident InsuranceNot
includedX
View Certificate of InsuranceDownload Details
Frequently Asked Questions
To find the answer to this question and similar COVID-19 related inquiries, please visit the COVID-19 TRAVEL FAQ page.
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.
†AMEX® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit rsagroup.ca. 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.
©2022 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 Limited, licensed for use by Royal & Sun Alliance Insurance Company of Canada. RSA is a trade name of Royal & Sun Alliance Insurance Company of Canada.
1Out-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 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 under the Multi-Trip Annual Plan.
†: 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.
- 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.
- Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
- 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.