Great travel insurance coverage for Ontario residents
We have travel insurance to cover unexpected emergency medical treatments when you travel out of province or out of the country. You’re also covered for lost or stolen luggage, plus added costs if you have to cut your trip short or cancel.
How much is travel insurance? Call us for a quote.
Travel insurance can start as low as $25 per week per person and go up to $300 or more depending on your needs, destination, and level of coverage. As an outlet to over 70 of Canada’s top insurance companies, we have access to some of the best travel insurance coverages and rates.
What does travel insurance cover?
There are a lot of coverage options for travel insurance depending on your specific needs. Here are a few of them:
Trip cancellation
Travel peace of mind. You’re covered for sudden cancellations due to weather, terrorism, illness, injury or other unexpected events.
Medical coverage
Covers medical expenses while away from home, like seeing a doctor, prescription drugs, transport by ambulance, hospital tests, treatments and stays.
Emergency medical evacuation
Covers costs if you require an emergency medical evacuation to provide you with treatment at a distant hospital, or to get you back home for emergency care.
Trip interruption
If your trip is cut short by something like an illness or hurricane, you’ll be reimbursed for the portion of the trip you missed, plus any extra costs you incur.
Other coverage
Our travel packages can also cover lost baggage, delayed flights and special arrangements and benefits if you should pass away unexpectedly during your trip.
Good to know: Common questions about travel insurance
Do I need travel insurance if I’m staying in Canada?
Yes, it’s a good idea. Coverage for trip cancellation, interruption and baggage are just as relevant for a fishing trip to BC as they are for a week in the Caribbean. Also, OHIP may not fully reimburse certain medical costs incurred in another province, so purchasing travel insurance while remaining in the country makes sense for this reason as well.
Can I buy cancellation insurance if my travel medical is covered through work?
Yes. Travel insurance is sold in a tailored way, so you can choose the coverages you need, and leave the rest.
Does travel insurance cover COVID-19?
Yes and no. In most cases, if you come down with COVID-19 during your trip, as long as you didn’t test positive before you left on your trip and didn’t fly in spite of government travel advisory, expenses related to COVID should be covered.
On the other hand, if you have to cancel your trip or cut it short due to a COVID-19-related travel advisory or border closure, or just because you’re concerned about an outbreak, that’s not covered.
Does travel insurance cover pre-existing conditions?
No. If you have a medical condition that has been documented and you require medical treatment for that condition during your trip, it is not covered. If a pre-existing condition causes you to cancel or interrupt your trip, that is also not covered.
Does insurance pay directly for covered expenses?
Not usually. You will be given a wallet card with phone numbers for different parts of the world. When you become aware that you might need to make a claim, call the appropriate number. Your adjuster can advise you which expenses are covered and which are not. Some expenses can be paid directly to the medical practitioner or service provider. In most cases, you will pay costs up front, keep receipts, then submit a claim for reimbursement.
Why choose Mitch?
As a supermarket and outlet for over 70 of Canada’s best insurance companies, we have almost every kind of insurance you need, at some of the best prices around to boot. You’ll never have to look around to compare coverage and rates again! Want to learn more about Mitch? Check it out!
