Depending on your age, condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain period of time (as specified in your policy) before your policy's effective date.

It reimburses forfeited, non-refundable or unused payments or deposits if the traveler must cancel or interrupt his/her trip due to a covered reason.

Not all reasons for trip cancellation are covered. Trip cancellation coverage will refund prepaid, non-refundable trip payments or deposits if you have to cancel for a covered reason.
Covered reasons include: sudden and unforeseen medical emergencies, if your home is made uninhabitable because of a fire, flood, burglary, vandalism or natural disaster, hijacking or quarantine. Please read your policy terms and conditions to find out exactly what is covered.

Your answers to the health questions (if applicable) will determine the proper rate for coverage of your pre-existing health conditions and form part of your insurance policy.

When answering the health questions:

1. Take your time.
2. If someone else completes the health questions for you, keep in mind that it is still your responsibility to sign the form and make sure the answers are correct.
3. Please read each question carefully as incorrect answers can lead to the cancellation of your coverage and the denial of your claim.
4. Have your prescriptions or a description of your medication nearby for reference.
5. Please review the answers you have provided to the health questions to confirm that they are correct.

If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

An accident or emergency can happen anywhere. If you need medical care in another country or another province/territory, your government health plan may pay only part of the costs. Travel insurance starts where these plans finish. Travel insurance can also provide coverage for unforeseen problems, from a cancelled flight to a serious illness, or in rare cases, even an act of terrorism or the bankruptcy of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt his/her plans, he/she faces two major financial losses, the money invested in non-refundable pre-payments and medical expenses that in many instances may not be covered by health insurance.

We recommend that you carefully review the travel insurance coverage provided by your credit card issuer, as well as any conditions or stipulations.

When you travel outside Canada, you leave up to 90% of your government health insurance plan behind. Government plans also typically cover only a limited portion of medical costs once you leave your home province or territory, even if you are still in Canada.

Many health insurance plans do not provide payment directly to foreign hospitals, they may have a deductible, and/or will not cover the cost of emergency medical transportation.

The emergency assistance services are there to help you in times of need-- to direct you to the right hospital and make sure you receive the proper medical care. Your Government Health Insurance Plan does not provide such extensive services 24 hours a day, 365 days a year, nor does it provide upfront payment for emergency medical care, regardless of where you are. In addition, government plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

It is strongly recommended that you purchase coverage before departing on your trip.
Although some of our carriers will cover you for the rest of your trip, they may exclude any pre-existing medical conditions, limit the amounts payable on your policy or impose a large deductible and/or co-insurance.

You may extend your coverage if you extend your trip, subject to the conditions of your policy.

Every insurance plan contains restrictions and exclusions. For more information, review the terms and conditions of the products that interest you. You may also contact SecuriGlobe for more detailed information.