TRAVEL INSURANCE
COMPREHENSIVE PROTECTION FOR EVERY JOURNEY
Don’t let a medical emergency become a financial catastrophe
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.
Tailored Coverage for Every Traveler
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.
Out-of-Province & International
For Canadians Traveling Abroad
Your provincial health plan (like AHCIP, OHIP, or RAMQ) has very limited coverage once you leave your home province.
Emergency Medical
Coverage for hospital stays, physician fees, and diagnostic tests.
Medical Evacuation
Essential for air ambulance transport back to your home province.
Trip Protection
Safeguard your investment with Trip Cancellation and Interruption coverage for flight-related mishaps or baggage loss.
For Visitors to Canada
Super Visa & Tourism
Welcoming family to Calgary, Toronto, or Vancouver? Our “Visitors to Canada” plans meet all federal requirements.
Super Visa Insurance
I provide the mandatory $100,000+ coverage required for Super Visa applicants, ensuring the policy meets all IRCC criteria.
Flexible Payment Options
For stays longer than 180 days, I offer convenient monthly payment plans to help manage your budget while keeping your loved ones protected.
Pre-Existing Medical Conditions
We have specialized options to cover stable pre-existing conditions. Many of our plans include a 7-day stability period (Conditions Apply), providing much-needed flexibility for seniors with managed health histories.
International Students
Study with Confidence
International students in Montreal, Saskatoon, or Edmonton often face a gap between their arrival and their provincial health eligibility.
Comprehensive Care
Covers emergency medical, accidental dental, and even some preventative services.
Regulated & Recognized
Our plans are recognized by Canadian educational institutions, ensuring students meet their permit requirements without stress.
The 7-Day Stability Advantage
Why 7-Day Stability Matters?
Most travel insurance policies require a “stability period” of 90 to 360 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.
Why The Broker Advantage Matters for Travel
Bilingual Support (EN/ES)
I explain the complex "Stability Clauses" and "Exclusions" in both English and Spanish, so there are no surprises during a claim.
Claims Advocacy
If you need to use your insurance, I am here to provide guidance on the claims process.
Customized to Your Trip
Whether it’s a 1-week vacation or a 2-year Super Visa stay, I tailor the benefits to your specific timeline and health profile.
Travel with Confidence and Security
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.
Frequently asked questions travel insurance
Does my provincial health plan cover me when I travel?
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.
What does "7-Day Stability" mean for my visiting parents?
Most standard policies require a medical condition to be “stable” (no changes in medication or health) for 90 to 360 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.
Is this insurance valid for the Super Visa application?
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.
Can I get a refund if my family leaves Canada earlier than planned?
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.
What is the "Broker Advantage" if I need to make a claim?
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.
Book a free consultation now
We’ll discuss your next best steps during this brief call; your information is secure and we are committed to confidentiality.