Whether you are a Canadian exploring the world or you are welcoming family and students to our beautiful country, the right travel insurance "vehicle" ensures that a medical emergency doesn’t become a financial catastrophe. Since 2020, I have helped travelers navigate complex provincial and international health regulations with transparency and expert guidance.
Choosing the right protection depends on your destination and your stage in life. As a licensed broker, I help you navigate these specialized travel solutions to ensure you and your loved ones are protected wherever the journey takes you.
Your provincial health plan (like AHCIP, OHIP, or RAMQ) has very limited coverage once you leave your home province.
Welcoming family to Calgary, Toronto, or Vancouver? Our "Visitors to Canada" plans meet all federal requirements.
International students in Montreal, Saskatoon, or Edmonton often face a gap between their arrival and their provincial health eligibility.
Most travel insurance policies require a "stability period" of 90 to 365 days for pre-existing conditions. As your broker, I have access to specialized vehicles that offer a 7-day stability period, meaning if your condition hasn’t changed in just one week, you may be eligible for coverage. Note: Eligibility for the 7-day stability option is subject to the specific terms and conditions of the policy carrier. I will help you review the fine print to ensure you are fully protected.
Coverage for hospital stays, physician fees, and diagnostic tests.
Essential for air ambulance transport back to your home province.
Safeguard your investment with Trip Cancellation and Interruption coverage for flight-related mishaps or baggage loss.
Don't let an unexpected medical bill ruin your trip or your family's visit. Let's find the right travel vehicle for your needs today.
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The biggest mistake many Canadians make is walking into their local bank and accepting a "one-size-fits-all" policy. As an independent broker licensed since 2020, I work for you, not the insurance companies.
Only to a very limited extent. Provincial plans (like AHCIP, OHIP, or RAMQ) typically pay according to Canadian rates, which are often a fraction of the actual costs in the U.S. or overseas. Furthermore, they do not cover emergency medical evacuation, which can exceed $50,000. Private travel insurance bridges this dangerous financial gap, ensuring you aren't left with life-altering medical bills.
Most standard policies require a medical condition to be "stable" (no changes in medication or health) for 90 to 365 days before travel. As a specialist, I provide access to "vehicles" with a 7-day stability period. This means if your loved one’s condition has been steady for just one week, they may be eligible for full coverage. Note: Eligibility is subject to specific carrier terms and conditions.
Yes, absolutely. I provide policies that meet all IRCC mandatory requirements, including the minimum $100,000 in coverage, a one-year validity period, and proof of paid premiums. I will ensure your Certificate of Insurance is ready for your application or to be presented at the port of entry.
Yes. If your visitors return to their home country before the policy expires, you can request a pro-rated refund for the unused portion of the premium, provided no claims have been filed. This flexibility is essential for families whose travel plans may change due to personal or flight-related reasons.
When you buy directly from a bank or an automated site, you are on your own during a crisis. As your broker, I provide Claims Advocacy. If a medical emergency occurs, I help you navigate the complex "Stability Clauses" and act as your representative with the insurance carrier to ensure the process is as smooth and fair as possible.
We'll discuss your next best steps during this brief call; your information is secure and we are committed to confidentiality.