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What are the Best Travel Insurance BC Plans in 2024?

• The most competitive offer on the market
• Fast and efficient submission process
• Multilingual emergency assistance services available 24/7

soNomad travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 at no extra cost, and baggage insurance up to $1,500, all with no deductible. It stands out for its competitive rates and excellent value for money, surpassing competitors like Allianz and Manulife, which are often more expensive for similar coverage. The cancel-for-any-reason program, subscribed within 7 days of booking, provides additional security. Ideal for all travelers, including those with pre-existing medical conditions.

• Higher rates for the greatest coverage offered on the market
• Allianz offers are very comprehensive

Allianz travel insurance offers emergency medical coverage up to $5,000,000, including COVID-19 protection at no extra cost, and baggage insurance up to $1,000. Although its rates are higher, Allianz stands out for the quality and breadth of its coverage. Compared to soNomad and TuGo, Allianz offers a very comprehensive package but at a higher cost, making it an ideal choice for those seeking maximum and uncompromising coverage.

• No medical questionnaire for individuals aged 59 or younger
• Coverage in case of accidental death or dismemberment
• Medical department for personalized analysis

Tour+Med offers comprehensive travel insurance with generous medical coverage up to $5,000,000 CAD, including coverage for COVID-19 at no extra cost. Their flexible deductible options and additional benefits, such as medical questionnaire exemptions for certain age groups, make it an attractive choice for travelers concerned about their peace of mind.

• Interesting formulas for trips lasting up to one month
• Important coverage
• Adapted to your basic needs

Manulife travel insurance offers a "COVID-19 Pandemic Travel Insurance Plan" providing emergency medical coverage up to $1,000,000 for COVID-19 related health issues, increased to $5,000,000 for fully vaccinated individuals. In case of unforeseen quarantine, it covers up to $200 per day per person (maximum $2,800) and $400 per day per family (maximum $5,600). Compared to other plans, Manulife stands out for its extensive coverage and specific quarantine benefits, offering increased security for vaccinated travelers.

Travelling is an exhilarating experience, filled with new adventures and discoveries. However, unforeseen events can disrupt even the most meticulously planned trips.

To safeguard against these uncertainties, travel insurance becomes essential for any traveller, including residents of British Columbia. But how do you choose the best travel insurance BC policy that's right for you?

In this guide, we look at the best travel insurance BC plans, what they cover, how much they cost, and more. You can use the HelloSafe comparator to compare plans from various providers and also get free quotes in seconds , so you can pick a policy that truly suits your individual needs.

Best BC Travel Insurance Plans

• SoNomad travel insurance : "Versatile coverage options"
• Allianz travel insurance : "Global assurance for your journey"
• TuGo travel insurance : "Adventure and all-inclusive choices"
• Desjardins travel insurance : "Reputable brand coverage"
• Manulife travel insurance : "Comprehensive protection for all travels"
• Sun Life travel insurance : "Flexible options for all types of travel"
• Blue Cross travel insurance : "Established provider with various plans"
• Medoc travel insurance : "Focus on emergency medical benefits"
• BCAA travel insurance : "Tailored coverage for BC explorers"

Top BC travel insurance plans in 2024

In general, the best travel insurance option depends on your specific needs, such as the type of trip, the level of coverage required and any pre-existing medical conditions. We compared plans from different companies and considered factors like reputation, coverage scope and pricing to help you choose the best option for your travel needs. Here are our top 9 picks for travel insurance for BC residents:

SoNomad travel insurance: Versatile coverage options

SoNomad travel insurance in Canada covers a wide range of expenses, including emergency medical expenses trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance, emergency medical transportation, COVID-19-related expenses, such as medical treatment, quarantine and transportation.

SoNomad travel insurance is ideal for Canadian residents who are travelling outside of Canada or Canadian residents who are travelling within Canada, but who do not have a provincial health insurance plan. It’s also a good option for people who are travelling to countries with high medical costs.

• Competitive prices
• Easy to purchase and claim
• Covers a wide range of expenses
• Includes COVID-19-related expenses
• Some plans have high deductibles
• There may be exclusions for certain pre-existing conditions
• The policy may not cover all types of travel, such as adventure travel or cruises

If you would like to explore further and get a SoNomad travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Allianz travel insurance: Global assurance for your journey

Allianz travel insurance is a leading provider in Canada. With a strong international presence, Allianz can help travellers overcome language barriers and get quality medical care wherever they are.

Allianz Travel Insurance Canada offers a variety of coverage plans to fit any travel itinerary. The coverage per travel package is comprehensive and includes medical interventions, car rental protection and travel interruptions.

• Variety of plans to choose from, depending on your budget and travel needs
• Free coverage for dependent children under 17 years old
• Extensive coverage for long trips
• Easy access to customer service for assistance
• Lower coverage limits than some competitors
• Adventure and extreme sports activities not included

If you would like to explore further and get an Allianz travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

TuGo travel insurance: Adventure and all-inclusive choices

TuGo is a Canadian travel insurance provider that offers a variety of plans to suit different needs and budgets. It offers emergency medical coverage of up to $10 million, trip cancellation/interruption, baggage loss, adventure sports and more. TuGo travel insurance also offers the Cancel for Any Reason (CFAR) upgrade, which allows you to cancel your trip for any reason and receive a full refund.

TuGo is a good option for snowbirds or frequent young travellers who also seek adventure activities. However, its all-inclusive plans are only available for those aged 59 years and under, making it not the best choice for older adults.

• TuGo travel insurance covers a wide range of expenses including rental car damage
• Offers emergency medical coverage, including doctor's visits, hospital stays and ambulance rides
• Has multi-trip plans for frequent travellers
• Can be purchased easily — online or through their customer service representatives
• Premiums can be higher than some other providers
• May not cover pre-existing medical conditions, depending on the severity of the condition
• Some customers reported delays or difficulties in processing claims
• The all-inclusive TuGo travel insurance plan has an age limit of 59
• People above 59 may need to purchase a different plan or provide a medical questionnaire

If you would like to explore further and get a TuGo travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Desjardins travel insurance: Reputable brand coverage

Desjardins is Canada's largest cooperative financial institution, with over 7.5 million members, mostly in Quebec and Ontario. It was founded in 1900 in Lévis, Quebec. Desjardins travel health insurance is therefore provided by a reputable company with a trusted history.

Its coverage includes a range of travel-related risks, such as emergencies like accidents, health, evacuations, trip cancellations, delays and more.

• Well-established and reputable company with a long history of providing financial services
• Desjardins members can get 3 days of complimentary coverage
• Free insurance on some credit cards
• Easy-to-use website and 24/7 customer service
• Penalty for not contacting assistance service
• Some advantages only for Desjardins members
• No online chatbox

Before you decide if Desjardins is the right pick for you, compare coverages, and the pros and cons of Canada's best travel insurance plans right here. You can use our HelloSafe comparator below and compare plans from the best providers and also get free quotes in no time.

Compare the best travel insurance plans on the market!

Manulife travel insurance: Comprehensive protection for all travels

Manulife travel insurance in Canada covers a wide range of expenses, including emergency medical expenses, trip cancellation or interruption expenses, baggage loss or damage, personal liability coverage, trip delay insurance and emergency medical transportation.

Manulife travel insurance is ideal for anyone who is travelling outside of Canada, whether for business or pleasure. It is also a good option for people who are travelling within Canada, but who do not have a provincial health insurance plan.

• Wide range of coverage

If you would like to explore further and get a Manulife travel insurance BC quote that is personalized to meet your unique needs, you can do so below and get results in a few moments.

Sun Life travel insurance: Flexible options for all types of travel

Sun Life is a well-regarded insurance company hailing from Canada, recognized for its assortment of insurance offerings, which encompass travel insurance as well. Its coverage encompasses emergency medical costs, trip cancellations, interruptions, loss of baggage and insurance against accidents during travel.

Families, individuals and groups of travellers alike will find appeal in its manifold coverage choices and a purchase process that is refreshingly unambiguous. Elderly individuals seeking travel insurance might find it relatively pricey due to the escalations in premiums that come with advancing age.

• An extensive array of coverage alternatives
• Provides robust coverage for exigent medical expenditures
• Simple and easy travel insurance process, catering to individuals, families and even groups embarking on journeys
• More exclusions and constraints compared to competing providers
• Might not extend coverage to pre-existing medical conditions, or the coverage for such conditions could be confined
• The claims process could prove cumbersome, potentially demanding substantial documentation from travellers

Blue Cross travel insurance: Established provider with various plans

Blue Cross travel insurance provides a range of coverage options including emergency medical expenses, trip cancellation/interruption, baggage loss and more. They offer various plans tailored to different types of travellers, such as individual, family, or senior travellers.

It offers courage for emergency medical expenses, trip cancellation/interruption, baggage loss, accidental death and dismemberment and travel assistance services. However, pre-existing medical conditions in some cases, risky activities and certain trip cancellation reasons are not covered.

• A well-known and established insurance provider with a strong reputation
• Caters to various types of travellers and offers comprehensive coverage options
• Offers flexibility in plans
• Limited coverage for pre-existing conditions
• Certain exclusions in cancellation coverage

MEDOC travel insurance: Focus on emergency medical benefits

If your primary concern is medical coverage while travelling, MEDOC specializes in offering comprehensive emergency medical benefits. Medoc travel insurance focuses on emergency medical coverage for travellers. It provides coverage for medical emergencies, evacuation and certain non-medical benefits.

While it offers great coverage options, it doesn’t cover pre-existing medical conditions, some adventure sports and certain non-medical trip interruptions.

• Strong emergency medical coverage
• Simple plans tailored to medical needs
• Limited coverage for non-medical aspects
• Pre-existing condition limitations

BCAA travel insurance: Tailored coverage for BC explorers

BCAA is a well-regarded insurance provider in BC, offering a range of coverage options for different types of travellers.

It offers various plans including emergency medical coverage, trip cancellation/interruption, baggage protection, accidental death and dismemberment and more. Its exclusions include pre-existing conditions, certain risky activities and non-medical trip interruptions.

• Established provider
• Multiple coverage options
• Some plans cover pre-existing conditions
• Limited coverage for pre-existing conditions in some plans
• Exclusions for risky activities

How much does travel insurance BC cost?

The cost of travel insurance in BC will vary depending on the company you choose, the type of coverage you need and your age and health. However, here is a general overview of the cost of travel insurance (for a 27-year-old BC resident travelling to India) from some of the top companies in BC:

Please note that these are just estimated prices for an all-inclusive package with a trip value of $1,000.00. The actual cost of travel insurance will vary depending on the factors mentioned above. It is important to get quotes from multiple companies before you buy a travel insurance policy. Here are some things to keep in mind when comparing travel insurance quotes:

• The level of coverage
• The deductible
• The maximum benefit
• The waiting period
• The exclusions

We recommend that you compare pricing, coverage, and exclusions from various policies before you decide upon one. All you need to do is simply use the HelloSafe comparator below and get free quotes tailormade to your unique needs, in just a few seconds.

What does travel insurance BC cover?

The coverage level for each of these travel insurance providers will vary depending on the specific plan you choose. However, here is a general overview of the coverage that is typically included:

These are just the maximum benefits for each coverage. The actual amount of coverage you receive will depend on the specific plan you choose.

What is travel trailer insurance BC plan?

Travel trailer insurance in BC is a type of insurance that covers your travel trailer against damage, theft and liability. It is similar to car insurance, but it is specifically designed for travel trailers.

Travel trailer insurance can be purchased through a variety of insurance companies, including ICBC, BCAA and Westland Insurance. The cost of insurance will vary depending on the make, model and value of your travel trailer, as well as your driving record and the level of coverage you choose.

The coverage that is typically included in travel trailer insurance includes:

• Physical damage: This coverage will pay for the cost of repairing or replacing your travel trailer if it is damaged in an accident, fire or other event.
• Theft: This coverage will pay for the cost of replacing your travel trailer if it is stolen.
• Liability: This coverage will pay for the cost of damages that you cause to other people or property while driving your travel trailer.
• Medical payments: This coverage will pay for the cost of medical expenses for people who are injured in an accident involving your travel trailer.
• Collision forgiveness: This coverage will waive your deductible if you are involved in an accident that is not your fault.
• Rental reimbursement: This coverage will pay for the cost of renting a replacement travel trailer if yours is damaged or stolen.

Do you need medical travel insurance in BC?

Yes, you need to purchase medical travel insurance if you are a British Columbian travelling outside of the province, even if you are only going to another part of Canada. This is because the British Columbia Medical Services Plan (MSP) does not cover medical expenses outside of the province.

There are many different travel insurance providers available, so it is important to compare plans before you buy. Some things to consider when comparing plans include:

• The level of coverage: Make sure the plan covers all of your medical expenses, including emergency hospitalization, doctor's visits and prescription drugs.
• The deductible: The deductible is the amount of money you will have to pay out of pocket before the insurance company starts paying.
• The maximum benefit: The maximum benefit is the total amount of money the insurance company will pay for your medical expenses.
• The waiting period: Some plans have a waiting period, which is the amount of time you have to wait before the insurance company starts paying for your medical expenses.
• The exclusions: Make sure you understand the exclusions, which are the types of medical expenses that are not covered by the plan.

Is there BC government employee travel insurance?

British Columbia government employees are eligible for group out-of-country and travel assistance coverage through Canada Life. This coverage includes:

• Emergency medical and dental services
• Emergency transportation
• Travel delay reimbursement
• Baggage loss or damage
• Trip cancellation or interruption

Employees can also purchase an optional emergency travel medical benefit, which provides additional coverage for medical expenses that occur during trips that begin and end in Canada. In addition to group coverage, BC government employees may also want to consider purchasing individual travel insurance. This can provide additional coverage for things like:

• Cancelling or postponing a trip due to a non-medical reason
• Lost or stolen passports or travel documents
• Trip interruption due to weather or other events
• Medical evacuation

If you'd like to explore policies that cover you beyond your government employee benefits or if you'd like to look for a policy with comprehensive coverage, you can do it right here. You can use the HelloSafe comparator below and get free personalised quotes from the best travel insurance providers.

5 tips to get cheap travel insurance BC plan

• Compare Quotes: Shop around and compare prices from different insurers. Use the HelloSafe comparator and get free quotes in seconds.
• Choose Basic Coverage: Opt for essential coverage that matches your trip needs.
• Travel Off-Peak: Plan your trip during less busy travel seasons for lower rates.
• Bundle with Existing Policies: Check if your existing insurance provider offers discounts for travel insurance.
• Increase Deductibles: Consider higher deductibles to lower premium costs.

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Travel Insurance Vancouver

Discover the world with confidence – beyond insurance offers travel insurance solutions in vancouver, comprehensive travel insurance coverage for vancouver residents.

At Beyond Insurance, we understand the importance of having reliable travel insurance when you embark on a journey. That’s why we are committed to providing comprehensive travel insurance solutions designed to protect Vancouver residents as they explore the world.

Why Choose Beyond Insurance for Travel Insurance in Vancouver:

Local Expertise: As a leading Canadian insurance provider with a focus on Vancouver, we possess in-depth knowledge of the diverse travel needs of the local community. Our team of experienced professionals is well-equipped to help you find the best coverage for your travel plans.

Customized Coverage: We know that every traveler has unique needs, which is why we offer tailored travel insurance policies that fit your specific requirements. Our coverage options include medical emergencies, trip cancellation or interruption, baggage loss or delay, and more.

Competitive Rates: At Beyond Insurance, we are committed to offering competitive rates without compromising on the quality of coverage. We work closely with our partners in the Excel Insurance Group to secure the best deals for our clients.

Comprehensive Protection: Our travel insurance plans cover a wide range of risks, ensuring you have complete peace of mind while you’re away from home. We also offer optional add-ons, such as extreme sports coverage and rental car protection, to enhance your travel insurance policy.

Exceptional Customer Service: Beyond Insurance prides itself on delivering exceptional customer service. Our dedicated team is always available to assist you with policy inquiries, claims, and any other questions you might have.

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Get Started Today

Embark on your next adventure with confidence, knowing you’re protected with Beyond Insurance – your trusted insurance partner for comprehensive travel insurance solutions in Vancouver. Contact our team today to discuss your specific travel needs and receive a personalized quote. Explore the world with peace of mind, secure in the knowledge that Beyond Insurance has you covered.

Beyond Insurance is a partner of the Excel Insurance Group .

Located in Red Deer, Alberta, Vancouver and surrounding areas. Beyond Insurance represents clients throughout all Western Canada, including, but not limited to Red Deer, Lacombe, Blackfalds, Innisfail, Penhold, Ponoka and Sylvan Lake. Site Disclaimer: Certain conditions, limitations and exclusions apply to the information provided on this website. Content provided here is for information purposes only and to help you opt to contact Beyond Insurance. As content provided is for information purposes only, it is not meant to be exhaustive, contextual or serve to advise you in any way as to what an insurance broker can, should and is licensed to do. Please call or text 1 (403) 392-6118 in order to speak with a licensed Canadian Insurance Broker directly. Beyond Insurance takes your privacy very seriously.

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Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

• Coverage Types
• Submit Claim

Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

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

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

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

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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Within the Lower Mainland:

Toll-free outside Metro Vancouver:

• 1 Your Trip Details
• 2 Plans & Packages
• 3 Personal Information
• 4 Purchase Your Plan

Your Trip Details

Please provide your trip details, so we can quote a travel plan that will best suit your needs.

Visitor to Canada Trip Plan

Our Visitors to Canada Travel plan provides protection against the high cost of emergency medical care for foreign visitors entering Canada

Before we start

Definitions, foreign workers and immigrants.

This insurance is available to foreign workers in Canada and to immigrants or persons who intend to file an application for immigrant status during their trip. For foreign workers, a valid proof of active work during the Period of coverage is required from the employer.

Foreign Students

This insurance is offered to foreign students in Canada. Registration as a full-time student in an educational institution is required during the Period of coverage.

Visitors To Canada

This insurance is offered to foreign persons visiting Canada.

Returning Canadians

This insurance is offered to returning Canadians that are not eligible for a government health insurance plan due to an extended leave.

• Visitor to Canada
• Foreign Student (49 and under)
• Landed Immigrant
• Foreign Worker
• Returning Canadian

Are you buying this coverage prior to or within 30 days of your arrival in Canada?

Policies may only be purchased prior to or within 30 days of arrival.

If you wish to extend your existing Visitor to Canada Coverage you must contact us directly.

For more information or to extend your existing plan, please contact us at 1 800 873-2583 or email us .

Who is Visiting?

Complete this section if you are travelling alone and selected "Visitor to Canada" above.

Complete this section if you are travelling alone and a Foreign Student.

Complete this section if you are travelling alone and a Landed Immigrant OR a Foreign Worker.

Complete this section if you are travelling with one or more family members and selected "Visitor to Canada" above.

What is an Adult?

Adult means a person who is:

• 19 years of age or older, and
• not applying as a dependent.

What is a Dependent?

A dependent is defined as the child of the applicant, the applicant spouse, or both, over 30 days old before departure date, who is dependent on the contract holder, who is not married, and who is:

• under 21 years of age or;
• under 25 years of age and attends an educational institution full-time as a duly registered student, or;
• with disabilities

For a disabled dependent, 21 years of age or older, please call us at 1 800 873-2583 or 604 419-2200 in the Lower Mainland to purchase coverage.

Complete this section if you are travelling with one or more family members and a Foreign Student

Complete this section if you are travelling with one or more family members and a Landed Immigrant OR a Foreign Worker

Discount Eligibility

If you have a Pacific Blue Cross Extended Health Care and/or Dental plan you may be eligible to receive a discount off of your Travel Insurance premium during our sales promotions. Simply enter your Promotion code or your friend or relative’s extended health or dental policy number and any applicable discounts will be applied.

How long are you visiting for?

When this coverage is purchased prior to arrival in Canada, coverage becomes effective on the day you arrive.

If you wish to extend your existing Visitor to Canada Coverage you must contact us directly at 1 800 873-2583 or email us .

Frequently Asked Questions

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• Who should I contact in an emergency?
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Travel Insurance

Explore the World with Confidence!

Travel can bring unexpected joys – it can also bring misadventure. we’ll help you prepare for the worst so your trip can be the best..

You can purchase travel insurance online or reach out to one of our helpful brokers.

Waypoint Insurance is here to help you prepare for the unexpected. From medical and dental emergencies to an interruption in travel plans or lost baggage, we can’t prevent misadventures but we can make sure you’re not alone.

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Travel Insurance

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Ensuring Safety for Travellers by Providing Travel Insurance in Vancouver

Despite planning our holidays for months, things may go wrong or may not turn out as planned. By investing in travel insurance in Vancouver, you can be financially secure and be prepared to face any challenges. We serve customers in the Lower Mainland and surrounding cities of British Columbia. We, at Multiple Insurance Services, offer travel insurance for:

• International students
• Temporary foreign workers
• New Canadians
• Parents and grandparents travelling on a super visa

Travelling in and out of British Columbia? Planning an interstate or international trip? Time to get insured and let go of all your travel tensions!

Travel Insurance Coverage

Getting travel insurance is essential to ensure that you have a worry-free and comfortable trip. If you experience an unexpected medical or general expense, our insurance will protect you against any such unforeseen expense. We offer coverage for:

• Medical emergencies
• Injuries while travelling
• Lost luggage
• Emergency accommodation
• Missed flights

Why Invest in Travel Insurance?

The wise will not mind spending a little more to cover their trip when they have spent so much time and money planning the trip. Here are reasons why you should choose travel insurance:

• Travel insurance will provide you financial support during any medical emergency
• It covers emergency diagnostics if you meet with an accident while travelling
• You can reclaim your cancelled and rescheduled flight costs
• It provides you peace of mind and ensures that you have a stress and hassle-free travel
• It can cover stolen or lost luggage in flights, hotels, buses and more

Customized Insurance Solutions

Whether you are planning a business trip or are going on a vacation, we have got the right insurance for you. Our travel insurance offers coverage against medical emergencies, losses, and delays. We offer customized insurance plans for students, corporate customers and senior citizens. We pride ourselves on offering professional and reliable services.

Travel Stress-free

Multiple Insurance Services provides a host of customized travel insurance plans to help make your travel worry-free.

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Travel Insurance

Without travel medical insurance unexpected costs due to a medical emergency such as food poisoning etc.can quickly turn even a short cross-border US trip into a financial nightmare. Without sufficient medical coverage even the hospitals in the US will not treat you.

Travel Insurance Experts

Health Insurance BC also strongly recommends the purchase of additional travel insurance when travelling outside of the province ( as your provincial health insurance plan does not fully cover you when traveling out-of-province or out-of-Canada) even if the trip is only for a day or so. MSP does not subsidize fees charged for ambulance service obtained outside the province.

Our travel medical insurance ensures you get access to the best emergency medical care available without having to worry about its financial impact so you can have a worry-free travel experience.

S&S Insurance professionals will help protect you and your family with an optimal travel insurance package at the best possible rates.

Why Choose Us?

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We all know "it" happens - have a guardian by your side

WE'VE GOT YOU COVERED!

Guarding your peace of mind.

Travel Insurance for everyone! We provide tailored travel insurance solutions around the unique needs of our individual clients.  Our leading edge is our extensive product line offering the most affordable rates to provide you and your family with solid protection.  Whether you are traveling outside of your home province or country, visiting Canada or looking for a personalized healthcare plan – we have you covered.

CANADIANS TRAVELING

Whether you’re traveling to another province or outside of Canada, make sure you have insurance should the unexpected happen.

TRAVELING TO CANADA

Planning a visit, moving to Canada or perhaps returning from a long stay abroad?  Get the coverage you will need before you arrive.

INDIVIDUAL HEALTH PLANS

Life is unpredictable.  Don’t risk becoming overloaded with out-of-pocket medical expenses.  Invest in a personalized healthcare plan today.

TRIPS INSURED

CLAIM REIMBURSEMENT

HAPPY CUSTOMERS

Travel Insurance for Everyone.

Ready to get insured? In a few steps you can get a live quote and buy, everything online. Or you can talk to our specialists and they will find you the best coverage at the best rate.

THREE REASONS TO CHOOSE US

Our clients are our #1 priority. Offering world class customer service, we are always here to assist you.

Our solid systems and procedures secure you get the coverage you need no matter your medical conditions.

Our team will find you the best policy at the best rate by accessing most products in the market and exclusive programs.

Happy clients are the best form of advertising. Read more of our stellar reviews here .

Our unique circumstance was such that we couldn’t insure a particular risk while travelling. I looked for an insurance broker. The reviews I read here were favourable. We had a very good experience with Travel Guardian Insurance. They were able to find coverage that met our needs. We would easily do business with them anytime.  

I highly recommend this company, my grandma was told she wouldn’t be able to get travel insurance to go to asia, which would have been her last chance to go. travel guardian reviewed her medical history and got the proper supporting documentation and determined they could cover her. because of this company she has been able to go to asia twice to see her family. thanks travel guardian.

Christina M.

I highly recommend Travel Guardian Insurance. I am 85 and have, as expected, some issues. They were dealt with and although the premium was not inexpensive I will now travel, worryfree, knowing that I am completely covered. The representative, I had the pleasure of dealing with was patient, knowledgeable and professional . Thank you

The travel guardian team represents among the highest levels of customer service i have experienced in the industry. information is always accurate, turn around time to questions and quote requests always very fast. staff is always very clear and takes the time to be very detailed with clients to help them make an informed decision quickly, minimising the end to end time to make their process an excellent experience..

Margaret J.

We have been insuring with Travel Guardian for a number of years and been completely satisfied with the responsiveness and level of service provided. Additionally, we have from time to time compared Travel Guardian's prices with other providers and have always found the best price with Travel Guardian.

Need a travel insurance quote or have more questions contact us today..

No matter how much you plan before your vacation or travel, unforeseen circumstances can always dampen a trip. But don't worry — Travel Guardian Insurance is here for all your travel uncertainties with our exclusive range of Travel Insurance Plans.

Travel insurance is aimed to indemnify against potential dangers, emergency circumstances, and financial losses that may occur while travelling. Some of our policies cover missed flight arrangements and misplaced luggage and others cover accidents or acute diseases.

Our Travel Insurance policies will give you the right coverage for your specific needs — such as travel health insurance, baggage insurance and multi-trip benefits to keep you protected throughout your travels.

Travel Guardian Insurance prioritizes customer service. Our travel insurance specialists will guide you through our travel insurance plans and answer any questions you may have. We believe that age should never be a restriction to travelling! Coverage can account for health conditions with individual health plans.

Travel Guardian Insurance also offers travel insurance to young people and families. If your trip gets cancelled, a health issue arises, you have to travel internationally, or you wish to travel out of the province, look no further than Travel Guardian Insurance for affordable travel insurance plans.

Travel Guardian Insurance has been trusted by international travellers since 1991. Beginning in Ontario, we now have five offices across Canada. Our experts will get you the finest insurance at the fairest price!

Why choose Travel Guardian Insurance?

We make it simple to get the finest travel coverage plan for your trip. Finding low-cost, high-quality travel insurance can be challenging. Travel Guardian make the process easy and stress-free! Don't make travel insurance a frustrating process — our travel insurance specialists will guide you through the entire process.

We customize our travel insurance plans according to our client's specific requirements.

Travel Guardian Insurance can help you cover the costs of:

Medical expenses if you are injured while travelling or become sick.

Lost baggage or stolen valuables.

Travel disruption if your trip is cancelled, delayed or interrupted by events beyond your control (such as natural disasters).

Rescheduling expenses if you have to change your travel plans.

What do we offer?

Our competitive advantage is our wide product range, which offers the cheapest travel insurance rates to provide the best travel insurance coverage. We have you covered if you go outside your native province or country, visit Canada, or seek a customized healthcare plan. Our services for travel insurance include:

Canadians Travelling

Travelling to Canada

Individual Health Plans

If you are ready to be insured, you can receive a live quotation and fill everything online in just a few steps. Alternatively, you may talk to our specialists, who can help you find the best coverage at the lowest price.

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CapriCMW and Rogers Insurance have merged to become Acera Insurance. As one unified company, we are now one of Canada's largest independent and employee-controlled brokerages. Learn More →

We now offer contactless service for auto insurance. Complete our Auto Insurance Request Form to get started.

Travel Insurance

Our travel insurance experts are here to help you get the right coverage for your needs, no matter how complex they are.

If you’re travelling to a topical destination, shopping in the US, or visiting friends in another province or country—your provincial healthcare plan won't cover you. At CapriCMW, we have the expertise and a wide range of coverage options to get you the right travel insurance policy at the right price.

Key Travel Insurance Coverages:

• Emergency Medical and Dental
• Trip Cancellation and Interruption
• Accidental Death and Dismemberment
• Baggage Coverage and Delay
• Rental Car Coverage
• COVID-19-related cancellation
• High-risk activities
• Adventure travel

Helpful Links:

• Government of Canada Travel Advice and Advisories by Destination: Click here
• Government of Canada – Travel Health Notices: Click here  
• CATSA – ACSTA Current Wait Times: Click here

Do your travel plans involve "high-risk" activities?

Many adventure and back-country sports such as sky diving, ice climbing, mountaineering, canyoneering, or back-country skiing are classified as high-risk sport activities and may not be covered by typical travel insurance policies.

CapriCMW's Lifestyle Travel Insurance Services offers a unique specialization in Adventure Travel and can help you get the right coverage.

Frequently Asked Questions

I have a pre-existing condition. Can I get travel medical insurance?

We can usually find coverage for people with health issues, but some exclusions could apply. If you have an existing health condition, it’s critical that you disclose the details when applying for coverage.

I have travel insurance through my credit card. Do I need a separate policy?

Some credit cards do provide basic travel insurance. However, it’s important to fully understand exactly what your coverage includes and what exclusions apply.

Do I need travel insurance for travelling outside of my province, but within Canada?

Yes. Your provincial healthcare plan will not cover medical expenses incurred outside of your province of residence, even if you’re travelling within Canada.

Get a Quote and Buy Online

Get an instant quote and buy travel insurance online from our partners at TuGo.

Talk to an Advisor

Prefer to talk to an Advisor? Start your quote and a CapriCMW Advisor will help you make an informed decision.

Personal Insurance Resources

Personal insurance / small business, insurance implications of a side hustle.

As inflation and interest rates remain at the highest levels seen in decades, many Canadians have been exploring different options  to for supplementing their income. If you are planning to begin taking on freelance or part-time work alongside your…

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New bc regulations to increase minimum contributions for contingency reserve funds.

As of November 1, 2023, new regulations will come into effect that increases the minimum amount developers and strata corporations in BC are required to contribute towards contingency reserve funds.

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Travel Insurance

Travel Insurance: Your bags are packed and you are finally are on your way to that vacation you have been looking forward to for so long. Unfortunately, accidents happen! Make sure the hard earned money you've saved for that once in a lifetime trip doesn't end up paying your medical bills instead. Ask about our Travel Insurance coverage today!

Whether you’re a vacation traveller, snowbird, or frequent cross-border visitor, make sure you are protected for the unexpected.

Travel insurance has many different types of coverage and can be purchased as single-trip or multi-trip, individual or family package. You can select the plan that’s right for you and your family so that you can travel without having to worry about significant financial impact resulting from unexpected circumstances.

Options Include:

• Travel Medical Insurance
• Trip Cancellation/Trip Interruption Insurance
• Baggage Insurance
• Visitors to Canada Insurance
• Snowbird Insurance

Need to buy travel insurance? Visit www.sussexinsurance.com/tugo

Travel Medical

Travel within canada, other coverages, cross-border.

Whether you are traveling to the United States, worldwide, or within Canada Sussex Insurance offers enhanced coverage’s that you won’t find with other travel insurance providers.

With varying coverage amounts to choose from and single or multi-trip packages available, you can select the plan that’s right for you and your family.

Coverage for Single and Multi Trip Policies:

• provides coverage for injury or sickness requiring an emergency hospital stay or emergency medical treatment while traveling outside of the Insured’s home province or territory whether abroad or within Canada
• must be a Canadian resident and insured and/or eligible for benefits under a government health care plan of their province or territory
• $10,000,000 coverage
• Non-medical evacuation up to $4,000
• Accommodation and meals expenses up to $700 when flight is delayed for more than 4 hours
• Additional transport and entertainment expenses up to $200 when flight is delayed for more than 4 hours.
• No age limit
• Strong coverage for pre-existing conditions

Claim Examples

49-year-old female: compound elbow fracture.

Broken Elbow Led to Emergency Surgery

49-year-old Anna was visiting family in California when she tripped and fell at a museum, severely injuring her arm. An ambulance was called and she was taken to Emergency; she suffered a compound elbow fracture, as well as lacerations to her head and legs. Anna’s elbow required immediate surgery. After three days, she was able to leave the hospital to stay with family until her scheduled return to Canada.

Hospital Fees: $149,845.02 Doctor Fees: $14,832.88 Radiology Fees: $1,799.11 Ambulance Fees: $1,699.27 Prescriptions Costs: $41.06 Provincial Medical: – $1,659.45 Amount Paid by Travel Insurance: $166,557.89

72-year-old Male: Massive Stroke Stroke Led to Repatriation

While vacationing in Florida, 72-year-old Patrick lost consciousness. He was found in his condo by friends, after he didn’t show up for an evening get-together. Patrick was taken to hospital by ambulance, where he was diagnosed with a massive stroke. Unfortunately, he didn’t regain consciousness and was put on life support until family members could be contacted. After several days in intensive care, his family arrived. After speaking with the doctor, the decision was made to disconnect his life support. Patrick passed away peacefully several hours later. Arrangements were made to return his body and his vehicle back to Canada.

Hospital Fees: $43,950.17 Doctor Fees: $6,212.33 Radiology Fees: $2,265.76 Ambulance Fees: $3,245.00 Family’s Transportation: $1,156.96 Repatriation: $4,654.29 Return of Vehicle: $1,400.90 Provincial Medical: – $1,600.00 Amount Paid by Travel Insurance:  $61,285.41

* These examples are based on actual claims with pertinent client information changed to protect privacy. Claims are subject to exclusions, limitations, and conditions. Please refer to policy wording for all coverage.

Canadians travelling out of province within Canada may not be aware that their provincial health plan does not fully cover them if they are sick or injured and need medical attention.

The Government of British Columbia strongly advises residents to purchase additional health insurance when travelling to other Canadian Provinces.

Medical coverage under MSP is not guaranteed while travelling outside of British Columbia, but is covered while travelling within Canada under Travel Medical insurance .

If you are travelling to Quebec and are a British Columbia resident, you must purchase Travel Medical insurance.

Claim Example

89-year-old female: rapid onset of confusion & urinary tract infection led to trip interruption.

89-year-old Katherine was travelling alone from British Columbia to Quebec via train when she became confused and disoriented. In Toronto, an ambulance met the train and took Katherine to the nearest hospital. Staff contacted Katherine’s son to inform him of the situation; he agreed to fly out to be with her. At the hospital, the doctor determined Katherine’s confusion was due to a urinary tract infection. She was kept overnight for observation, then discharged the next day. Due to the rapid onset of her confusion, doctors recommended that a family member accompany her either back home or on the rest of her travels. Katherine wanted to continue her trip, so she purchased new train tickets for her and her son to continue on to Quebec.

Ambulance Fees……………………………………………..$530.00 PrescriptionCosts ……………………………………………$26.99 Family Transportation……………………………………..$790.00 Accommodation and Meals – Trip Interruption….$160.00 Rail Ticket Toronto to Montreal………………………$152.55 Amount Paid by Travel Insurance . ……………..$1,659.54 * These examples are based on actual claims with pertinent client information changed to protect privacy. Claims are subject to exclusions, limitations, and conditions. Please refer to policy wording for all coverage.

Sometimes your trip doesn’t go as planned, but there are additional coverage’s you can purchase to help reclaim money already paid out should something prevent you from taking or continuing your trip. We offer the following coverages in addition to medical insurance.

Trip Cancellation Don’t be left paying the bills for a trip you never got to take! You’ve worked hard to save your money and spent hours researching your options. You finally settle on the perfect vacation. unfortunately you just received some unexpected news that means you will have to cancel that long awaited trip. Trip Cancelation coverage can help save you money should your trip be cancelled for an unforeseen event such as injury, illness or severe weather that halts your travel plans. Trip Cancelation can be purchased as a stand alone policy or as a package policy combined with Trip Interruption.

Trip Interruption Don’t leave home without it! You never know once you start on your trip what unexpected even could prevent you from completing your journey. Don’t end up having to pay more for missed flight connections due to unforeseen weather conditions or medical emergencies that are out of your control. Trip interruption insurance will protect you so you can have a worry free vacation once you are on your way.

Baggage Loss Can provide compensation for lost, damaged or stolen luggage including items such as clothing, baggage itself, and personal care items.

Trip Cancellation/Trip Interruption

65-year-old Female: Heart Condition and Diabetes

65-year-old Marie planned to take a cruise vacation, departing from Miami. She arrived the day before but was experiencing breathing problems, fever, and a cough. She was taken to the hospital and admitted for pneumonia. Marie’s condition deteriorated and she was put on a ventilator. Arrangements were made to return her back to Canada via air ambulance.

Upon review, it was noted that Marie didn’t purchase Trip Cancellation/Interruption . As a result, the cost of her cruise wasn’t covered. Also on the MHQ, Marie answered that she only took one medication for a heart condition. However, she should have answered three; two for a heart condition and one for Diabetes. Due to answering incorrectly, Travel Underwriters applied the $10,000 deductible , and was still able to reimburse Marie over $65,000.

Hospital Fees: $44,668.34 Doctor Fees: $3,628.41 Radiology Fees: $3,163.37 Ambulance Fees: $673.73 Air Ambulance Fees: $25,300.00 Provincial Medical: – $1,900.00 Deductible Applied: – $10,000 Amount Paid by Travel Insurance: $65,533.85

Trip Cancellation

75-Year-Old Female: Hip Fracture Led to European Trip Cancellation

75-year-old Marge and 46-year-old Julie purchased a one week river cruise through Europe. They also extended their trip and purchased a week of land tours, accommodation and rail travel. Both Marge and Julie purchased Trip Cancellation when they first booked their trip. However, one month prior to departure, Marge fell and fractured her hip. Due to her injury, both women cancelled the trip. The accommodation charges were 100% refundable and both women claimed for the unused non-refundable portions remaining of their travel expenses.

Cruise Cost: $2,300.00 Each Return Airfare: $1,750.00 Each Rail Tickets: $156.00 Each Land Tours: $2,743.95 Each Amount Paid by Travel Insurance: $13,899.90

Unless you are a resident of Canada you will not be covered for medical costs should you become sick or sustain an injury and need emergency medical attention while visiting.

It is recommended that visitors to Canada purchase medical insurance prior to coming to Canada, however, it can be purchased while in Canada subject to a waiting period.

• Visitors to Canada
• Immigrants waiting for Citizenship
• Canadians returning to Canada after living abroad
• Available in increments of $10,000 to a maximum of $300,000 CAD
• No waiting period on sickness if purchased prior to arrival in Canada
• Family plan available
• includes Air Flight Accident and 24 hour Accident Insurance up to $25,000 CAD each

Super Visa’s

If you are a parent or grandparent of a Canadian citizen or a permanent resident, you may be eligible for the Super Visa program.

• valid for up to 10 years
• allows you to visit your family in Canada up to 2 years without renewing your status
• requires a minimum of $100,000 in coverage for at least one year

Learn more about the Super Visa

17-year-old Male: Spinal Swelling

Snowboarding Accident Led to Hospitalization.

Seo, a 17-year-old Korean international student, went snowboarding with friends. While going over a jump, he fell and had a sudden loss of feeling in his lower extremities. Seo was air ambulanced to the hospital, where he was admitted. Tests showed swelling around his spine, but luckily, no fractures. Seo remained in the hospital for one week and was then discharged with anti-inflammatory medication.

Hospital Fees: $17,458.00 Doctor Fees : $2,354.55 Ambulance Fees : $3,500.00 Prescription Costs : $45.77 Amount Paid by Travel Insurance . …………..$23,358.32

22-year-old Female: Fibula Fracture

Field Hockey Incident Led to Hairline Fracture and Muscle Contusion.

22-year-old Rebecca was attending university in the USA. While playing field hockey for her school, she was struck across the calf with a stick. She was taken to the hospital by her team trainer, and an MRI was scheduled for the next day. She was prescribed crutches and advised to return to Emergency five days later for the MRI results. The MRI determined that she had a hairline fracture of the fibula bone and a muscle contusion. Both would heal on their own, without further treatment.

Hospital Fees: $7,841.15 Doctor Fees : $1,346.00 Radiology Fees: $1,731.22 Crutch Rental : $15.00 Provincial Medical: – $150.00 Amount Paid by Travel Insurance……………$10,753.37

Trek® Travel – Cross border

Exclusively sold at Sussex Insurance, this annual policy is designed specifically for British Columbians between the ages of 19 and 55 who frequently take short term jaunts for cross border shopping, sporting events or concerts, filling up on gas, picking up or visiting friends or relatives outside of Canada. Trek travel allows you to make unlimited trips during a one year policy so you’re still covered even if you make that last minute decision to cross the border. Ask us today about how you can get covered.

Trek Travel policy covers:

• unlimited 5 day trips during the one year policy term
• additional top up days available for longer trips
• $2 million in coverage, deductible, no medical health questions
• Coverage includes Canada, US or worldwide
• starting at $40 for individual travelers up to the age of 40 and $80 for a family (no limit on number of family members)

To buy or to renew visit your local Sussex Insurance office today!

• Travel Insurance
• BCAA Travel Insurance Review

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BCAA Travel Insurance Review 2024

Updated: Feb 28, 2024, 3:40am

Touted as B.C.’s top choice for travel insurance, BCAA offers an impressive selection of medical and trip protection coverage that is both flexible and affordable. The $10 million in emergency coverage includes a comprehensive list of benefits, and the pre-existing benefit add-on gives peace of mind to travellers with health concerns. While not the cheapest plan, you definitely get your money’s worth, though you need to be a resident of B.C or the Yukon to qualify.

• Customizable coverage
• $10 million emergency medical
• Generous benefit limits
• Pre-existing condition add-on
• No family coverage for travellers 60 and above
• Only available to residents of B.C. and the Yukon

Table of Contents

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The British Columbia Automobile Association (BCAA) was founded in 1906 (then known as the Victoria Automobile Club) when a group of motoring enthusiasts came together to enjoy their hobby and help each other when their vehicles broke down. By 1940, an affiliation of 31 clubs across B.C. officially amalgamated under the name BCAA and opened a head office in Vancouver.

Today, the BCAA is a member of the Canadian Automobile Association (CAA) and the American Automobile Association (AAA), serving members in British Columbia and the Yukon.

The CAA is made up of nine regional clubs across Canada, including CAA South Central Ontario (that includes Manitoba), North East Ontario, Niagara, Alberta, British Columbia, Manitoba, the Maritimes, Quebec and Saskatchewan.

BCAA insurance offers home, car, travel, small business and life insurance, as well as health and dental insurance.

BCAA travel insurance is underwritten by BCAA Insurance Corporation. Claims are administered by Orion Travel Insurance Company and its subcontractors.

Here are the key types of travel insurance coverage offered in BCAA travel insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you end up losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and money that you lose if you have to return home earlier than expected, such as non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, usually six, 10 or 12 hours.
• Baggage insurance: Baggage travel insuranc e can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your checked bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while on your trip. This is also called Accidental Death and Dismemberment benefit.

BCAA allows you to customize the amount of travel insurance coverage you need. For example, you could opt for the most comprehensive travel insurance protection by selecting the Travel Emergency Medical Insurance and the Trip Protection Package (that bundles four coverages) or if you’re mostly concerned about lost, damaged or stolen personal items during your travels, you could just select the Baggage coverage option as an add-on to your emergency medical coverage. Alternatively, if you have medical coverage elsewhere (such as a travel credit card ) you could select the Trip Protection Package coverage.

The individual benefits are as follows:

Travel Emergency Medical Insurance: If you’re worried about medical emergencies while travelling, this benefit includes the following coverage:

• Hospital accommodation up to a semi-private room
• Out-patient services provided by a hospital
• One follow-up visit within 14 days of initial treatment
• Physician’s services
• Ambulance services (ground, air or sea)
• Emergency air transportation
• Remote evacuation
• Laboratory diagnostics and X-rays
• Prescription medication, up to 30-day supply
• Replacement of lost or stolen prescription drugs
• Cost to rent or purchase essential medical appliances, including a wheelchair, crutches and canes
• Private duty nursing
• Fracture treatment, including X-rays, exams, casting and re-casting, and cast removal
• Hospital allowance for incidental expenses, such as TV rental and telephone
• Paramedical services, such as emergency treatment by a physiotherapist, chiropractor, chiropodist, osteopath, podiatrist, optometrist, naturopath, holistic doctor or acupuncturist
• Emergency dental due to a blow to the face, plus continuing treatment once you return home
• Emergency dental due to pain or illness
• Unexpected birth of a child during the first 31 weeks of pregnancy
• Repatriation to your home province or territory
• Out-of-pocket expenses for meals, accommodation, etc., due to transfer to another medical facility or delayed return home
• Child care during parent/guardian’s hospitalization
• Replacement of prescription glasses, contact lenses or a hearing aid due to theft, loss or breakage

This coverage also includes a medical follow-up in Canada benefit that provides the following reimbursement for costs incurred within 15 days after you have been returned home for medical reasons:

• Up to $1,000 for a semi-private room in a hospital, rehabilitation centre or convalescent home
• Up to $100 per day for home care nursing
• Up to $300 for ambulance or taxi services to receive medical care
• Up to to $200 to rent or purchase essential medical appliances, such as a walker, canes, trusses, orthopedic corset and/or oxygen

Trip Protection Package: This package bundles four coverage options, including trip cancellation and interruption, baggage, travel delay and COVID-19 quarantine, and travel accident coverage.

• Trip Cancellation and Interruption coverage: This reimburses you for insured travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, extend or modify your trip due to a covered reason either before your trip or after you have left home. This includes transportation expenses if you have to interrupt, modify or extend your trip, as well as a subsistence allowance for hotels and meals if your return home is delayed. You can select the amount of trip cancellation coverage before departure, between $250 and $100,000.
• Baggage: This provides compensation if your baggage is delayed, lost, stolen or damaged during your trip.
• Travel Delay & COVID-19 Quarantine: This provides reimbursement for COVID-19 quarantine expenses, such as unplanned accommodations, as well as expenses incurred due to a flight delay.
• Travel Accident: This offers coverage for the accidental loss of life or limb while travelling.

Rather than purchase the package, you can buy the following benefits individually:

• Baggage: As above.
• Travel Delay & COVID-19 Quarantine: As above.
• Travel Accident: As above.
• Pet Coverage: This covers pet-related costs for boarding and/or transportation if you are hospitalized, repatriated or if you die while on your trip. It also covers veterinary fees if your pet is injured during the trip. Maximum coverage is $600.

With a BCAA Travel Insurance plan you can purchase family coverage for two or more people, 59 years old and under, and any dependent children or grandchildren.

In addition, when purchasing your coverage you will be asked, “Where are you travelling?” The options are:

• Worldwide (including USA): Covers you anywhere in the world, including the United States. This includes short stopovers, layovers and cross-border shopping trips to the U.S.
• Worldwide (not including USA): Covers international travel to non-U.S. destinations. This also allows you to travel via the U.S. for up to five days, such as if you travel through the U.S. to reach your destination.
• Within Canada: This provides travel insurance for trips within Canada .

We highlighted key benefits of BCAA Travel Insurance to help you identify which plan is the best fit for your travel needs.

Travel Emergency Medical:

Trip Cancellation and Interruption:

Travel Delay and COVID-19 Quarantine:

Travel Accident:

The price of a BCAA Travel Insurance plan depends on factors such as the cost of your trip (for trip cancellation and interruption coverage), your age, your health and the amount of coverage you choose.

Here are some price examples of BCAA Travel Insurance plans for healthy travellers based in B.C. assuming a $0 deductible.

You can also add an optional deductible, or the amount you will pay out of pocket before your coverage kicks in, to your travel medical insurance to lower the cost of your premium. Deductible options include: $500, $750, $1,000 and $2,500.

Here’s a comparison of the emergency medical insurance premium with and without a $500 deductible.

CUMIS Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $500

Related: CUMIS Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $1,500

Related: TuGo Travel Insurance Review

Pacific Blue Cross

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Pacific Blue Cross Travel Insurance Review

BCAA Travel Insurance offers a pre-existing coverage add-on that provides $300,000 in additional medical coverage for an unstable pre-existing medical condition. To be eligible for this coverage, you must not have had any symptoms or received medical consultation in the seven days before your departure.

Here’s how this add-on could affect your emergency medical premium cost:

BCAA members earn 10% off their premium for any travel insurance plan. Travellers who have held an annual multi-trip plan for three years or more earn an additional 10% off.

Yes. You can buy multi-trip insurance if you travel more than once a year for several individual trips. BCAA Travel Insurance offers annual multi-trip insurance for worldwide (including USA) plans for both emergency medical and trip protection coverage for separate trips of three, eight, 15, 30, 60, 90, 120, 150, 183 and 365 days.

Here’s how the cost compares between single-trip and multi-trip insurance:

If you stay longer than the number of days on your plan, you can purchase a top-up.

BCAA Claims Assistance is available 24/7 (for medical emergencies), 365 days of the year and can help you when you’re faced with a travel emergency. Support while you’re travelling includes:

• Assistance finding the nearest medical facility
• Payment to hospitals and other medical providers for travel emergency medical expenses, guaranteed where possible
• Medical consultative and advisory services, including review of appropriateness and analysis of your medical care
• Monitoring of progress during your treatment and recovery
• Management, arrangement and authorization of emergency medical evacuation
• Multilingual assistance
• Travel assistance for your family
• Family/employer communications and message centre
• Arranging for a medical assistant to travel with you
• Submitting paperwork to your government health care plan and extended care benefits plan
• Referral to legal assistance
• Travel assistance for lost documents, lost luggage, etc.
• Referral to Canadian consular services worldwide

Support before you leave on your trip includes:

• Tourist visa and/or passport information
• Information regarding inoculation and vaccination requirements
• Weather information
• Currency exchange information

BCAA will not pay any medical expenses related to any medical condition that is not stable for a set period of time, before your coverage takes effect.

A medical condition is considered stable when all of the following are true:

• There has been no deterioration of your condition as determined by your physician.
• There have been no new symptoms or findings or more frequent or severe symptoms or findings.
• There has been no change in medical treatment or no alteration in any medication for the condition.
• There has been no new medical treatment prescribed or recommended by a physician or received.

Specifically, BCAA has the following age-specific exclusions:

For travellers 59 years of age or under (on your policy’s effective date): Benefits are not payable for costs related to any medical condition that was not stable in the 90 days before your departure.

For travellers 60 years of age or over (on your policy’s effective date): Benefits are not payable for costs related to any medical condition that was not stable in the 180 days before your departure.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. In addition to pre-existing condition exclusions, the following are some of the most common situations not covered by BCAA travel medical insurance:

• A trip taken against medical advice
• A trip taken after the diagnosis of a terminal condition
• A trip taken while you are receiving palliative care or palliative care has been recommended
• Any health condition for which diagnostic tests had been taken or scheduled before departure and for which results were not received (with exceptions)
• Any medical treatment due to complications or recurrence after the emergency ends
• Costs for emergency air transportation when the arrangements were not made by BCAA Claims Assistance
• Illness or injury incurred if you choose to travel to a destination with a level 3 (avoid unnecessary travel) or level 4 (avoid all travel) travel advisories were in effect before departure and the illness or injury is related to the reason for the travel advisory
• Expenses incurred when coverage is purchased after departure
• Any medical expenses in excess of $50,000 if you are not covered by government health insurance
• Loss, theft or breakage of prosthetic devices or dentures

Additional exclusions will apply for trip cancellation and interruption, baggage and travel delay coverage.

Also, there is currently no coverage for any trips taken to Russia, Ukraine, Belarus or any other country subject to a level 3 (avoid non-essential travel) and level 4 (avoid all travel) travel advisory issued by the Canadian government due to the armed conflict with Russia.

There is no coverage for any trip cancellation or trip interruption claims related to COVID-19. There is, however, coverage for travel medical emergencies for fully- and partially-vaccinated travellers.

To be eligible for medical travel insurance with BCAA, the following must apply:

• You are a Canadian resident.
• You have not been advised against travel by your physician.
• You have not been diagnosed with a terminal condition.
• You are not receiving palliative care or palliative care has not been recommended.

In addition, you must be a resident of B.C. or the Yukon to purchase travel insurance.

Due to high call volumes, BCAA recommends you file your claim online at BCAA.com/travelclaims or by email at [email protected]. You can file a medical, dental and trip cancellation/interruption claim online 24/7 by logging into your account via BCAA’s partner Global Excel Management.

Depending on the kind of claim, you will also need to provide supporting documentation within one year from the date of loss.

Depending on your claim, supporting documentation may include:

• Original itemized receipts of out-of-pocket expenses incurred
• Medical certificate(s) from attending physician(s) completed with diagnosis, dates of service and type of treatment
• Original pharmacy prescription receipts
• Completed government health insurance plan forms
• A copy of the death certificate, will or power of attorney and police report, if applicable
• Original unused airline tickets
• Itemized travel agency invoices showing full payment for your trip
• Statement from the travel agency, airline or tour operator documenting refunds provided
• Proof of loss for stolen property, such as a police report
• Written estimate to repair damaged baggage
• Proof of baggage delay and itemized recipes for personal necessities purchased

BCAA notes that the majority of claims are resolved within 30 business days.

BCAA Travel Insurance FAQs

Does bcaa pay for medical costs upfront.

According to the BCAA travel insurance policy, when you have selected travel emergency medical insurance, the following services are available to assist you in a medical emergency: “Payment to hospitals and other medical providers for emergency medical expenses will be guaranteed where possible relieving [the] claimant of credit responsibilities.”

Does BCAA offer coverage extensions?

Yes. Your coverage is automatically extended for up to seven days starting on the final day of your trip due to a transportation delay, such as a common carrier delay, vehicle accident or breakdown. If you are hospitalized, your coverage is extended for the period of hospitalization and up to seven days after discharge. If your return home is delayed due to a medical emergency that does not require hospitalization but makes you unfit to travel, your coverage is extended for up to seven days. If you are unable to travel home due to quarantine as a result of a positive COVID-19 test, your insurance will be extended for a maximum of 14 days.

You can also request an extension if you want to stay longer on your trip, as long as:

• You have not seen a physician or other registered medical professional since your departure date or effective date of the policy.
• You have not submitted a claim and have no intent to submit a claim.
• You are in good health and you do not know of any reason to seek medical attention.
• Your period of coverage has not already expired.

You will be charged a service fee, in addition to the new premium.

Does BCAA require a medical questionnaire?

Yes. Travellers age 60 and over are required to complete a health questionnaire.

Does BCAA have any age restrictions?

There are no noted age restrictions beyond the age-specific exclusions for pre-existing conditions, family coverage eligibility and requirement to complete a questionnaire.

Does BCAA provide coverage for COVID-19?

BCAA provides the coverage for COVID-19 if you purchase travel emergency medical insurance for annual multi-trip and single trip for worldwide travel, and single trip excluding USA travel.

If you test positive or are diagnosed with COVID-19 while on your trip, BCAA travel insurance provides up to $10 million in coverage if you have been fully vaccinated 14 days or more before your departure date or if you are under 18 whether or not you have received the vaccine. You are eligible for $1 million in coverage if you have received at least one dose of the vaccine.

There are exceptions to this coverage, including if you did not receive any Health Canada-approved vaccinations, if you tested positive or had symptoms in the 14 days before your trip or if you received a COVID-19 diagnosis and experienced complications in the 90 or 180 days before your trip, depending on your age.

When does my coverage with BCAA begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your emergency medical coverage and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Can I get a refund with BCAA?

You can request a cancellation and full refund of your contract before the effective date of the contract (the date the coverage begins) or during the 10 days following the date of purchase, unless:

• You have made or intend to make a claim.
• The contract is for a period of 10 days or less.
• The contract was purchased within 11 days before the trip and includes trip cancellation or interruption coverage.

If you purchase trip protection coverage, you can request a refund (less a cancellation fee) if:

• The tour operator cancels the trip and all penalties are waived.
• You cancel the trip prior to the effective date of any cancellation penalties.
• The tour operator changes the travel date and you are unable to travel and all cancellation fees are waived.

If you return early from your trip and have not submitted or intend to submit a claim, or if no Medi-Assist case has been opened, you can request a partial refund of your premium. However, a refund of premium does not apply if:

• You are covered for a trip cancellation benefit.
• You are covered for an emergency return benefit.
• You are covered under an annual insurance contract.
• You are repatriated at the insurer’s expense.
• Your refundable premium is less than $20 after application of the $25 administration fee.

Does BCAA offer a free look period?

BCAA travel insurance offers a 10-day full refund provision whereby you have 10 days starting from the application date to review your policy to ensure it meets your travel needs. You can request a full refund as long as no travel has taken place. This provision does not apply to the Trip Protection Package.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Vancouver Travel Insurance

Vancouver Travel Insurance Overview

Just like most big cities, Vancouver has lots of travel insurance providers. Vancouver travel insurance is vital to every Vancouverite, especially when going on vacation outside Canada. In the event of an accident, your medical cost could easily add up even when you travel outside British Columbia. You don’t just need Vancouver travel insurance coverage, you need a plan that will suit your lifestyle and also offer you the features you need. Call Insurdinary for travel insurance quotes adequate for Vancouver residents. When you call Insurdinary, we will connect you to experienced insurance advisors who will guide you to choose the best travel insurance plan in Vancouver.

To learn more about Vancouver travel insurance, click here

Vancouver Travel Insurance Details

Getting the best travel insurance in vancouver.

You need coverage for so many things when you are traveling out of the province. Your Vancouver travel insurance coverage should be able to cover for medical emergencies, trip cancellation as well as any other custom feature you want. When you call Insurdinary, we will link you to the right insurance advisors who will provide expert advice and guidance to help you to make the right choice.

To learn more about Vancouver travel insurance, click here .

Speak To An Expert

Vancouver travel advisory.

Your travel destination’s weather condition matters. Before leaving B.C, it is important to take a look at the travel advisory for popular destinations to be sure you are on the right track.

• https://travel.gc.ca/destinations/russia
• https://travel.gc.ca/destinations/italy
• https://travel.gc.ca/destinations/jamiaca
• https://travel.gc.ca/destinations/cuba
• https://travel.gc.ca/destinations/dominican-republic
• https://travel.gc.ca/destinations/saint-martin
• https://travel.gc.ca/destinations/australia
• https://travel.gc.ca/destinations/thailand
• https://travel.gc.ca/destinations/mexico

Vancouver Airports

There are 10 airports, 12 heliports, and 4 water aerodromes in the Lower Mainland region of British Columbia. The aviation facilities are located in the Greater Vancouver and Fraser Valley are and serve regional air travel, airline passengers and commercial cargo transportation. Vancouver International Airport is the busiest airport in the Canadian province of British Columbia and the second-busiest airport in Canada.

Here are the airports in the region:

• Abbotsford International Airport - https://www.abbotsfordairport.ca/
• Boundary Bay Airport - http://www.czbb.com/
• Pitt Meadows Airport - http://flyypk.ca/
• Vancouver International Airport - http://www.yvr.ca/en/passengers
• Chilliwack Airport - https://www.chilliwackairport.ca/
• Delta/Delta Heritage Air Park - http://www.deltaheritageairpark.org/
• Hope Aerodrome
• Langley Regional Airport - http://ynj.tol.ca/
• Surrey/King George Airpark
• Tipella Airport

To get to the local airports on time, you should also plan your arrival times and choose the best route on time before your trip.

Choosing the right airport limos

Choosing the right airport taxi or limo service will help to get around the city on your trip. To choose the best airport limo service in Vancouver, you need to shop around and compare the features and prices offered by various providers. If you are keen on getting the best price and service, you should reserve the limo of your choice as early as possible.

• Excel Limousine Service - (604) 433-3550 - 7176 Nanaimo St, Vancouver, BC V5P 4L9
• Perimeter Transportation - (604) 717-6600 - 410 W Pender St, Vancouver, BC V6B 1T3
• Griffin Transportation Services - (604) 682-4474 - 1450 Venables St, Vancouver, BC V5L 2G5
• KJ Limousine Services - (604) 655-2888 - 2401-550 Taylor St, Vancouver, British Columbia V6B 1R1
• Quest Limos - (604) 900-3180 - 1155 W Pender St 708 A, Vancouver, BC V6E 2P4

Vancouver Travelers Story

A lot of Vancouverite cross the border into the U.S. on a daily basis for shopping, to buy gas and for some other purposes but don’t even think about getting travel insurance. Travel insurance will cover you for accidents and medical emergencies for a one-day trip as well as a vacation.

Goose Insurance Services has developed an innovative app to help you to get travel insurance on the go. According to Dejan Mirkovic, the company’s CEO, Canadians ought to get travel insurance coverage before leaving the country but up to 50% forget to do this. If you are struck with sudden illness and requires hospitalization, the financial consequences could be huge, Mirkovic added.

The app, known as Goose, notifies you when you are close to the border. It allows you to purchase travel insurance for $4 a day with a total coverage of $10 million. You can also easily read the policy on the app and find the emergency contacts and contacts to call for claims on the app.

Also, you can even buy insurance if you have already crossed the border but a 48-hour waiting period applies for coverage bought outside Canada. The waiting period only applies to sicknesses but injuries and accidents will still be covered. It is also important to note that Goose will not cover you if you travel against the treatment and/or advice of your doctor and most Canadian doctors will not advise you to travel if you have critical illnesses such as heart attack, TIAs, stroke and so forth.

To learn more about Vancouver travel insurance click here .

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TRAVEL INSURANCE

Whether you are travelling outside your province or outside Canada, travel insurance plans are designed to help protect you against the cost of unexpected emergencies that may occur before or during your trip.

You may have a personal health insurance plan or one on your credit card but often these plans only cover a fraction of healthcare, interruption, or cancellation expenses. Unfortunately, Illness, accidents, and other covered events are all-too-common and could cause you to disrupt your travel plans and leave you facing large unforeseen out-of-pocket expenses.

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B.C. residents won't be covered for some medical expenses in other parts of Canada. Here's why

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While most Canadian travellers booking trips abroad know they should purchase travel insurance, particularly an emergency medical plan, they might not realize that they won't have coverage when travelling outside of their province. 

Most doctors in other provinces and territories (except Quebec) will bill their own health plan for services provided for travellers who present their valid B.C. Services Card . The provinces/territories recover the funding monthly from each other, according to the B.C. government.

But Will McAleer, Executive Director at the Travel Health Insurance Association of Canada (THIA), told V.I.A. that locals might be in for a rude awakening travelling to other provinces if they haven't purchased travel insurance that covers them outside of B.C.

"Universal health care doesn't always fit," he underscores, noting that there may not be an agreement between provinces on certain medical conditions. "If there's no agreement between the two, then you might be out for the additional charge."

Travellers should also consider that there are several services that aren't covered under a provincial medical plan, to begin with. Some of these include ground and air ambulances, with the latter often required for people who are injured on ski trips and require a helicopter to get off a mountain, McAleer explained.

If a B.C. resident visits a hospital in another province and has to get a prescription for a medication filled afterwards, this cost will not get covered. 

In the case of a nonemergency medical issue, many types of specialists will not be covered, such as a visit to a physiotherapist, McAleer added. 

Is there a travel insurance policy specifically for Canadians headed outside of B.C.?

Some insurance providers offer a travel insurance policy for travel within Canada that is generally much less than the cost of one for international travel "because the risk is significantly less," McAleer said.

Savvy savers can stretch their travel dollars the furthest by booking annual multi-trip plans if they plan on leaving B.C. several times a year. 

"Some of those annual plans will cover you for all the travel you might want to take throughout the year in Canada," he noted. 

There are two types of trip protection to consider when purchasing travel insurance, however. One is the aforementioned medical coverage that covers travellers during medical emergencies, while the other protects the "travel investments" with a trip cancellation policy. The latter protects the cost travellers paid to travel to and from their destinations, as well as their accommodation and any other activities on their trip. 

A comprehensive travel insurance plan will cover travellers for the cost of their trip, trip interruptions, baggage loss, baggage delay, as well as emergency medical expenses.  

When it comes to selecting a provider, it is paramount that you know your health and that you ensure you will be covered for any preexisting conditions, McAleer emphasizes. 

"So when you're answering a medical questionnaire, you do so correctly," he said.

Travellers should also consider that many "high-risk" activities are not covered under a medical emergency policy, so they should map out what they plan to do on their trip before they purchase a policy. Many providers have a toll-free number that you can call to gain clarity on these crucial points. 

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I lived in Vancouver for a year — here are the attractions you should actually visit

V isiting a new place usually comes with a long list of spots you want to see, making it hard to parse through them all. While some tourist attractions are all hype and very little payoff, Vancouver is home to some sites that are worth every bit of praise they get.

Living in the city for a year meant weekends exploring some of the most talked about attractions, and while some took my breath away others fell flat. The best part is that most of my favourite places to go in the city are free, so you don't need to make your trip that much more expensive with overprices activities.

If you only have a short visit to explore the city, and not a full year, then have no fear — here's which Vancouver attractions you should actually spend your time and money checking out.

This Opinion article is part of a Narcity content series. The views expressed are the author's own and do not necessarily reflect the views of Narcity Media.

The seawall

www.instagram.com

Price: Free

Address: Stanley Park, Vancouver, BC

Why You Need To Go: Walk, scooter, run, bike, whatever — just make it to the seawall if you're going to Vancouver. You can rent a bike or a scooter if you want, or opt for walking around the path that hugs the coastline of Stanley Park. Along the way you'll pass by sandy beaches, ancient trees, and picturesque views that make the West Coast unique.

On a sunny day, this is the spot to go.

City of Vancouvr website

The Grouse Grind

Address: 6400 Nancy Greene Way., North Vancouver, BC

Why You Need To Go: Not everyone is going to agree with me on this one, but hear me out. It's touristy, often swarmed with people, but it's one of those things you just need to do if you're going to Vancouver. It's a legendary climb up a mountain with gruelling stairs that require many breaks. You get a fantastic view from the top though, and feel a sense of camaraderie with the other travellers who made the journey up alongside you.

You can explore the top of Grouse Mountain once you get there and have a well-deserved drink as you look out on the city and ocean below. The only downside is that you need to pay for the gondola ride to get down.

You could do another hike with equally great views, but there's something about being able to say you did the Grind that makes it special.

Grouse Grind website

VanDusen Botanical Garden

Address: 5251 Oak St, Vancouver, BC

Why You Need To Go: You can spend hours winding your way through the lush greenery of this garden. Even though it's in the middle of the city there's a serenity here that you can't really find anywhere else. The beautiful oasis has over 7.500 species of plants, which are all uniquely beautiful. Cherry blossom season is an especially stunning time to visit of course — when the pink flowers take the city by storm.

I went here on a whim with some friends and was super impressed by the peacefulness of the gardens and how relaxing it was to wander around here. It's the ideal afternoon activity for anyone visiting the city.

VanDusen Botanical Garden website

Taking the ferry to Bowen Island

Price: $12.05 for walk-on.

Why You Need To Go: If you want to explore some of the most picturesque parts surrounding Vancouver, you need to go for a ride on BC Ferries . You can sail out into the ocean, getting a view of the mountains and ocean, breathing in the salty air along the way.

Bowen Island is perfect for a shorter trip since it's only a 20-minute ferry ride over. You can experience BC Ferries and then spend a day exploring the tiny island. There are cute shops and cafes in the community and stunning trails throughout so you can explore the nature there. It's an escape from the hustle and bustle of the city and the perfect way to mix up your trip.

BC Ferries website

Queen Elizabeth Park

Why You Need To Go: A little bit away from the downtown area of Vancouver this park is the perfect place to get a view of the city with the mountains as the backdrop. You can look out at the tall buildings all while being surrounded by the flourishing plants and flowers of the park. The gardens here are stunning and extremely well-kept, and there are green spaces where you can lay out and have a picnic on a sunny day. Bloedel Conservatory is here too, which is a fun spot to spend the day if it's rainy outside.

The park is also right by the Mount Pleasant neighbourhood , which is a super cool area to explore, especially if you love thrift shops. I'd definitely recommend an afternoon checking out the boutiques and shops around here after strolling through the park.

City of Vancouver website

Lynn Valley suspension bridge

Why You Need To Go: Capilano Suspension Bridge Park gets all the hype when it comes to tourist attractions, but this park is also in North Vancouver and has its own beautiful suspension bridge nestled within. You don't have to pay the admission cost of Capilano but you can walk 50 meters above a canyon here and explore the incredible trails throughout the park. There are deep pools, waterfalls and rushing creeks here, all enclosed by massive trees and rich greenery.

The incredible nature is what really makes Vancouver special, and while you want those ocean views you shouldn't miss out on the magical forests all around, and this park is the perfect spot to experience it.

Lynn Canyon Park website

Now you know where to go if you're planning a trip to the West Coast city, but also make sure to avoid all the tourist hot spots that aren't exactly worth the hype they get.

Happy travels!

B.C. travellers urged to prepare for busy Canada Day long weekend

For b.c. ferries, canada day long weekend marks the 2nd busiest travel period of the year.

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As British Columbians gear up to celebrate Canada Day, officials are urging the public to plan ahead and stay safe amid expected travel congestion on ferries, highways, and at airports.

For B.C. Ferries, the Canada Day long weekend marks the second busiest travel period of the year, surpassed only by B.C. Day.

"We feel fully prepared heading into the long weekend and we're looking forward to ensuring our customers get to their destinations safely and comfortably," said Reet Sidhu, the company's senior communications adviser, told CBC News on Friday.

She recommends passengers looking to take a ferry from Vancouver's Tsawwassen Bay to Victoria's Swartz Bay – one of B.C. Ferries' busiest routes – without a booking, consider travelling as a foot passenger to avoid sailing waits.

B.C. Ferries says they're expecting close to 500,000 passengers on all routes Friday through Monday.

The company, which faced a number of challenges last year — from staffing shortages, last-minute cancellations and long waits — said they have increased sailings and made staffing changes this year around for a smooth summer travel experience.

• No reservation? Avoid taking your car on Tsawwassen-Swartz Bay route this weekend, B.C. Ferries says

Sidhu says B.C. Ferries has added 350 new sailings, including 44 between Tsawwassen and Swartz Bay along with a new early morning sailing, and has hired 600 new staff for the summer.

It has also tightened its annual refit schedule in an effort to avoid cancellations during peak season. Refits refer to safety inspections and work on major parts, such as engines and brakes, that require a vessel to be pulled out of service, usually for 30 to 90 days.

⛴️ HEADS UP - Expect sailing waits at many <a href="https://twitter.com/hashtag/InlandFerries?src=hash&amp;ref_src=twsrc%5Etfw">#InlandFerries</a> due to higher volumes of traffic this long weekend.<br><br>ℹ️ <a href="https://twitter.com/hashtag/UpperArrowLakeFerry?src=hash&amp;ref_src=twsrc%5Etfw">#UpperArrowLakeFerry</a> - 1-2 hour wait from <a href="https://twitter.com/hashtag/ShelterBay?src=hash&amp;ref_src=twsrc%5Etfw">#ShelterBay</a> <br><br>ℹ️ <a href="https://twitter.com/hashtag/NeedlesFerry?src=hash&amp;ref_src=twsrc%5Etfw">#NeedlesFerry</a> - 1-2 hour waits from both <a href="https://twitter.com/hashtag/NeedlesBC?src=hash&amp;ref_src=twsrc%5Etfw">#NeedlesBC</a> and <a href="https://twitter.com/hashtag/FauquierBC?src=hash&amp;ref_src=twsrc%5Etfw">#FauquierBC</a> <a href="https://twitter.com/hashtag/BCHwy23?src=hash&amp;ref_src=twsrc%5Etfw">#BCHwy23</a> <a href="https://twitter.com/hashtag/BCHwy6?src=hash&amp;ref_src=twsrc%5Etfw">#BCHwy6</a> <a href="https://t.co/sDJeTbprYM">pic.twitter.com/sDJeTbprYM</a> &mdash; @DriveBC

YVR also busy

Long weekend preparations at Vancouver International Airport (YVR) also moved into high gear on Friday.

YVR communication specialist Emad Agahi says the airport is expected to see about 84,000 passengers for each day of the long weekend with Friday being the busiest day.

According to the airport authority, about 7.8 million passengers are expected to travel through the airport this summer — a 9.6 per cent increase compared to passenger levels last year during the same period.

Agahi says during peak travel times, staff will be stationed at information counters throughout the airport, and digital tools are also available to help people reach their gate on time.

High-risk driving behaviours amid heavy traffic

Elsewhere in the province, traffic enforcement will be stepped up across the province during the long weekend, according to B.C. Highway Patrol. 

In a statement this week, B.C. Highway Patrol said it will be watching for impaired drivers, particularly around recreational areas and festivals where alcohol is served. 

Penalties for impaired driving include 24-hour driving prohibitions, immediate driving prohibitions of three, 30, or 90 days with vehicle impoundment, and potential criminal charges.

In an email to CBC News, the Insurance Corporation of B.C. (ICBC) said over Canada Day long weekend, on average, one person is killed and 176 injured in about 605 crashes in B.C. Speed and impairment were the top contributing factors in most of those crashes. 

Passengers should exercise caution before travelling: province

Ahead of the Canada Day long weekend, the B.C. government issued a statement advising travellers to exercise caution and readiness due to heightened wildfire risks stemming from warm weather and drought conditions across many areas of the province.

It is urging travellers to stay informed about wildfire conditions, adhere to fire bans and restrictions, and check for updates on road closures, evacuation notices, and other restrictions, including B.C. Parks closures.

• B.C. Ferries, YVR expect busy Canada Day long weekend
• Food workers at Vancouver airport hold strike for higher wages

B.C.'s Ministry of Transportation and Infrastructure is also asking motorists to anticipate additional traffic on the Trans-Canada Highway over the long weekend and to allow extra travel time.

ABOUT THE AUTHOR

Shaurya Kshatri is an associate producer at CBC News Vancouver. You can reach him at [email protected]

With files from Sohrab Sandhu

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• Man charged with murder of Surrey, B.C., woman Tori Dunn

'We are exhausted': Families who lost homes to West Kelowna wildfire still battling insurance companies 10 months later

Of 34 homes destroyed by the McDougall Creek Fire in one West Kelowna neighbourhood, only three have begun reconstruction

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Almost a year after last summer’s wildfire, some Central Okanagan families are no closer today to having their homes rebuilt than they were the day after they fled the monster flames.

'We are exhausted': Families who lost homes to West Kelowna wildfire still battling insurance companies 10 months later Back to video

Known as the McDougall Creek Fire , the largest in West Kelowna’s history, it forced more than 35,000 residents to evacuate their homes as fires swept over the Westbank First Nation, the Central Okanagan Regional District, Kelowna and Lake Country, beginning Aug. 15.

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Almost 200 structures were lost or damaged, including the home of Tiffany Genge and her family.

“It’s been more than 10 months, we’re fighting to get homes again and getting nowhere,” she said. “We are struggling, we are exhausted. It’s next-level stress.

“We feel we’re being treated like criminals, like we started the fire that burned down our homes.”

Genge and her husband Hedley have two young boys who graduate from kindergarten and Grade 3 on Thursday.

They’ve had eight insurance appraisals and began dealing with a third adjuster in May.

“It feels like when we do take two steps forward, then there’s 20 steps back again, you’re slammed in the back of the pile again and don’t hear from them.”

A few doors down from where the Genge home had stood sits Crystal Champagne-Smutko’s house.

It hadn’t been destroyed but was significantly damaged. Everything she and her extended family owned stunk of smoke, and the fridge and freezer contents had oozed all over during the five weeks that passed before she could get back in.

“We had five adjusters,” she said.

Champagne-Smutko was once an insurance adjuster herself, but said she doesn’t really have an insight as to why some insurance companies drag their feet so.

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“I guess this is a typical tactic, insurance companies prolonging things to get people fed up so that they take less than what they deserve,” she said. “We got fed up and just took their offer, and that’s kind of what I think they’re hoping people do.”

It’s not just the insurers she or Genge used: Champagne-Smutko ticked off a half-dozen insurance firms she’s heard nothing but complaints about from her neighbours who are still out-of-home.

Of the 34 homes in her neighbourhood that burned down, only three have begun reconstruction, she said.

“I’d say of the 16 families I know personally, all but one has had insurance issues,” she said.

Mortgages for homes that burned down must still be paid and, salt in the wound, insurance premiums that are expiring must be renewed (at much higher rates) if there’s an open claim, forcing people to insure houses and belongings that no longer exist.

“I don’t know what the answer is, I just think there needs to be a better standard from the Insurance Council of B.C.,” Champagne-Smutko said. “It needs to be stated, ‘This is what happens when people are evacuated, this is how we take care of people who can’t go home.’

“Quit dragging your feet, there’s no reason for this. There needs to be stricter rules on how insurance companies deal with wildfire evacuations.”

After being asked Tuesday to comment on the Genges’ situation, their insurer, Aviva Canada, made an offer to the Genges the next day. Genge said they would think it over.

In a statement, Aviva said it understands how stressful it is for homeowners whose homes have been destroyed by wildfire.

“The process of rebuilding after a wildfire is unfortunately often lengthy, with many different variables to work through including getting access to the property in the aftermath, reconciling the various bids received to properly quantify the dwelling loss and managing the difficult market and labour conditions in the area,” the statement read.

“Throughout this process, we’ve been keeping our customer informed, and have resolved all but one aspect of the claim. We are hopeful we’ll be able to settle the case fully very shortly.”

The Genges’ home was a stylish A-frame on Heldon Court. Built in 1991, the couple had painstakingly redone the house inside and out, painting the outside steel blue with white trim, putting in hardwood floors and mahogany cabinets.

They had finished the basement, adding a bedroom and bathroom. They were still doing minor upgrades when the evacuation order came on Aug. 17.

“It’s coming up on the anniversary shortly,” Genge said. “We just want to be home. We just want to see a shovel in the ground moving some dirt, we just want to get back to our normal.”

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Canada Day Events 2024: Where to celebrate around Metro Vancouver

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Canada Day long weekend travel kicks up across southern B.C.

By Mike Lloyd and Charlie Carey

Posted June 28, 2024 7:10 am.

Last Updated June 28, 2024 7:30 am.

As the long weekend quickly approaches, people across southern B.C. are packing up and heading out of town.

BC Ferries is seeing multiple sailing waits on Friday morning for those leaving from the Tsawwassen ferry terminal headed to Swartz Bay or Duke Point.

One traveller, Jodi, tells CityNews that she wasn’t expecting the rain, but it’s not putting a dampener on her spirits.

“We need the rain sometimes, and we’re going to have a good day going forward,” she said.

• BC Ferries announces plans to upgrade access to 300 all-gender washrooms
• BC Ferries busy ahead of ‘unsettled’ long weekend weather
• BC Ferries fares increasing as of April 1
• BC Ferries promises it’s ready for summer travel season

In Horseshoe Bay, there’s also a multiple sailing wait for those headed to Nanaimo’s Departure Bay.

BC Ferries says that from June 27 to July 2, it’s expecting to see 530,000 passengers and 195,000 vehicles hop aboard its vessels.

“Friday sailings from Tsawwassen and Horseshoe Bay terminals to Vancouver Island are full, and so are sailings from Vancouver Island back to the mainland on the Canada Day Monday,” the ferry service said in a statement to CityNews.

“There’s still space to sail between Vancouver Island and the mainland on Saturday, Sunday, and the Tuesday, but reservations are filling up quick, with limited spots left to reserve on sailings in the early morning and later in the evening.”

CityNews meteorologist Michael Kuss says the weather around the province will be about normal for the weekend.

“It really doesn’t matter where you go around the province, it’s going to be around seasonal, not really hot as we get into that Canada Day weekend, but not that cold either,” he explained.

Kuss says that those who are braving the ferry lines and headed to southern Vancouver Island have chosen the best spot to be, weather-wise.

“One of the best spots will be the lower Island around Victoria, at least there’s sun in there for this afternoon. Grayer day on Saturday, a chance for showers, highs in the upper teens,” he added.

Around the capital region will hit highs of in the low 20s under a mix of sun and cloud for Sunday and Monday, he said.

Listen to CityNews 1130 for traffic and weather updates every 10 minutes on the ones. You can also follow @CityNewsTraffic  and Meteorologist Michael Kuss on X and subscribe to breaking news alerts sent directly to your inbox.

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