The Emergency Medical Insurance known as Travel Insurance is an
extremely important financial planning tool for managing the risk of
incurring huge amounts of medical expenses while you, a Canadian
resident covered by your provincial health plan, travels abroad on
vacation or for business. If you have Employee Group Benefits
through your employer you probably already have some basic
coverage through your Group Insurance for travels abroad. Check
carefully what is covered and for how many days, or if you are not
sure, call your Group Insurance Administrator. Please bear in mind
that no Group Insurance provides you with coverage for possible
losses like Trip Cancellation, Trip Interruption, Baggage Loss or
Delay, and for Travel Accidents. Even if you have Travel Insurance
through your Employee Group Benefits Plan you should call me to
buy these additional coverages.
Very important! No Group Insurance and even no traditional
individual Travel Insurance will cover your medical expenses
if you intend to practice Contact, Adventure or Extreme Sports
during your trip, except the unique Optional Sports Coverage
from TuGo Travel Insurance.
(See all the details here below)

I can offer you Travel Insurance coverage from:
  • Manulife Financial
  • 21st Century Travel Insurance LTD
  • Allianz Global Assistance
  • TuGo Travel Insurance

To purchase Manulife Travel Insurance for out of province or out of
country travel please click the following link:

To purchase Student Travel Insurance from
Manulife Financial
please click the following link:

Travel insurance offered by 21st Century Travel Insurance Ltd
1. Medicare International Travel Insurance
Medicare International is an emergency travel medical insurance that
covers you for up to $10,000,000 (Ten Million Canadian Dollars) of
covered expenses incurred by you as a result of medical attention
required by you during your trip. The rates are determined by your
answers to a medical questionnaire over age 59 (no questionnaire
is required under age 60). I suggest that you take a few minutes to
familiarize yourself with the
emergency medical insurance policy
wording, the
medical questionnaire and the applicable premium
. You can read here the policy wording of the All-Inclusive plan
and the
Trip Cancellation & Interruption plan.
2. SAVEAWAY Travel Insurance
The coverage limits and benefits for SAVEAWAY Travel Insurance
are reduced substantially to provide you with a
true low-cost
choice of Travel Insurance
. You have the option to choose
$50,000 Emergency Medical Coverage with no deductible or
$200,000 Emergency Medical Coverage with a deductible amount
of $500 per claim. You can access here the entire
policy wording,
medical questionnaire (for ages over 55) and the current rates.

If you are already abroad and would like to extend your travel beyond
its original date of return please use the
Application to Extend
Emergency Medical Coverage for a trip in progress.

Please use the
Refund Request form in case you return early from
your travel or if you cancelled your travel, or for any other reason
(conditions apply).

Optional Sports Coverage from TuGo Travel Insurance

TuGo Travel Insurance offers coverage for sports activities that no
other travel insurance sold in Canada could cover! You can purchase
coverage for:
  • Contact Sports, like Football, Rugby, Boxing, Ice Hockey,
    Lacross and Australian Football;
  • Adventure Sports, like Skiing, Snowboarding, Skating,
    Skydiving, Hang Gliding, Ultralight Flying and many others;
  • Extreme Sports like Scuba Diving, Base Jumping, Ultimate
    Fighting & Mixed Martial Arts and many others.
Please Contact us for the full list of covered sport activities.

To purchase Travel Insurance from
21st Century Travel Insurance
, from Allianz Global Assistance or from TuGo Travel
please call (416) 496-1482 or (416) 459-5679, or just
drop a message through
Contact leaving your telephone number
and name

You can add to all types of insurance, described here above, at your
discretion coverage for
Trip Cancellation, Trip Interruption,
Baggage Loss or Damage, Baggage Delay, Flight Accident or
Travel Accident , Top-up the Trip Cancellation.

The non-medical types of coverage, like
Trip Cancellation, Trip
, Baggage Loss or Damage, Baggage Delay, Flight
Accident, Travel Accident, and the Top-up the Trip
can be bought separately as stand-alone plans if you
already have Emergency Travel Insurance through your Employee
Group Benefits Plan.
Always Ask for the Best!
And do not forget to register!
Sign up for the Registration of Canadians Abroad service at
so that Foreign Affairs and International Trade Canada can contact
and assist you in case of an emergency.