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TRAVEL
Insurance

Please read this before you obtain quotes or Buy Online.

Fact Sheet from OHIP Regarding Travel Insurance

The Ontario government says:

"You are strongly advised to purchase additional health insurance every time you leave Canada and ensure that the supplementary insurance you have purchased provides adequate coverage.”

Click here to open OHIP's fact sheet in a separate tab.

Travel Insurance From Credit Cards?

Wise travellers know of the importance of travel insurance. And many of them rely on the protections included with their credit card thinking that they will be covered, no matter what.

But are the protections really optimal? Is the insurance automatically in force just because they paid their most recent bill? Are there any stability clauses to know about?

Are you aware that:

• After a certain age, coverage can be limited to a few days only?

• Some protections may be limited or nonexistent if the trip was not paid with that credit card?

Click here to see TuGo's Credit Card Questionnaire for travel insurance.

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Manulife Travel Insurance

One of Canada’s largest names in travel insurance. A good choice if you are under the age of 60 and in good health.

  • Available in annual plans and single trip policies
  • $10,000,000 in Emergency Medical Coverage
  • No health questions asked if you meet eligibility
  • Well priced for individuals and families under age 60
  • All pre-existing conditions covered if stable for as little as 3 months, 6 months in some cases
  • Trip Cancelation and Baggage coverage is available.
  • 24/7 customer service
  • Annual Plan 8 days, family of 3 (45, 41 & 14 years old) as little as $54 a year.
  • No coverage for extreme activities like bungee jumping, zip lining, etc.

Other coverages available are:

  • Student Plans
  • Visitors to Canada Plan

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Blue Cross Ontario Travel Insurance

Travel insurance offered by one of Canada’s Blue Cross seven member sites. A good choice if you are over the age of 60 and have pre-existing health issues.

  • Available in annual plans and single trip policies
  • $5,000,000 in Emergency Medical Coverage
  • Simplified health questionnaire if under age 80
  • Well priced for ‘snow bird’ clients with common health issues
  • All pre-existing conditions covered if stable 6 months
  • Trip Cancelation and Baggage coverage is available.
  • 24/7 customer service
  • Serenity Service is on all plans providing customers with a range of benefits should your flight be
    delayed including airport lounge or even a hotel room.

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GMS TravelStar

While it might not be a household name, GMS is one of Canada’s biggest travel insurance companies. A good choice if you are under the age of 60 and with minor health issues.

  • Available in annual plans and single trip policies
  • $5,000,000 in Emergency Medical Coverage
  • Simplified Health Questionnaire if no serious health issues and well priced for individuals and families
    under age 60
  • All pre-existing conditions covered if stable 6 months
  • Trip Cancelation and Baggage coverage is available.
  • Annual Plan 15 days, family of 3 (45, 41 & 14 years old) as little as $164 a year

Other coverages available are:

  • Student Plans
  • Visitors to Canada Plan

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TourMed

Popular with snowbirds, one of the few companies that offers custom plans on a case by case basis for pre-existing conditions. A good choice for people from 3 months to age 95, but are very competitive for Snowbirds and Seniors.

  • Plans are designed for Canadian residents travelling for leisure/vacation
  • Complimentary benefits such as emergency round trip benefit, $25,000 accidental death coverage,
  • Pharmacy card for trips to the United States
  • $5,000,000 in emergency protection
  • Personalized medical underwriting means that TourMed declines less than 1% of all eligible clients
  • Variety of discounts available (Two travellers, Early Bird, Loyalty, Combined Protection)
  • Single trips, multi-trip annual plans, top-ups and extensions

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Tugo

A full suite of travel insurance products, including Visitors to Canada coverage (formerly Travel Underwriters). A good choice for Canadians heading to a tropical beach, cross-border shipping or visiting family or friends in another province or country.

  • Tugo has been providing travel insurance to Canadians for over 50 years
  • One of Canada’s Best Managed Companies
  • $5,000,000 coverage
  • No age limit
  • Single trip and multi-trip plans
  • Trip cancellation & interruption, trip interruption, accidental death , non-medical plans (missed flights, lost baggage, all-inclusive plans)
  • Optional sports coverage

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Individual health

INDIVIDUAL HEALTH
Plans

Select a plan that best suits your needs,
or if you would like to learn more:

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Manulife Flexcare Cover Me Plans

Is the right choice for you if you are under age of 60 and in good health.

  • This plan is for individuals and/or families without health insurance
  • Offers a base of extended medical coverages along with dental coverage, prescription drug coverage or a combination of both
  • Coverage for ambulance, medical equipment, paramedical professionals (massage, chiro, physio, etc.) Pre-Existing conditions will not be covered
  • Well priced for individuals and families under age 60
  • All pre-existing conditions covered if stable for as little as 3 months, 6 months in some cases
  • Travel insurance is covered, and updates are available for longer trips, catastrophic coverage and enhanced prescription drug coverage up to $10,000 a year
  • Includes Pay-Direct Drug Card

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Manulife Flexcare Follow Me Plans

Is the right choice if you are leaving a group insurance plan for any reason.

  • Coverage is guaranteed if applied for within 90 days of leaving a group insurance plan
  • All Pre-existing conditions are covered
  • Offers a base of extended medical coverages along with dental coverage, prescription drug coverage or a combination of both
  • Coverage for ambulance, medical equipment, paramedical professionals (massage, chiro, physio, etc.)
  • Offers add-ons for travel insurance, catastrophic coverage and enhanced prescription drug coverage up to $10,000 a year
  • Includes Pay-Direct Drug Card

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GMS Personal Health Coverage

A good choice if you want a basic plan and lower premiums, or you have pre-existing medical conditions.

  • Offers a basic plan of extended medical coverages – can be purchased as a stand-alone product
  • Provides coverage for ambulance, medical equipment, paramedical professionals (massage, chiro, physio, etc.)
  • Options to add dental coverage, prescription drug coverage or a combination of both, in either basic or enhanced versions
  • Enhanced drug option covers pre-existing conditions up to $500/year
  • Offers add-ons for travel insurance
  • Pay-Direct Drug Card is available

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sunlife financial

Sun Life - Personal Health Insurance Plans

A good choice if you need a benefits plan, and are willing to answer medical questions.

  • Age 69 or younger (plans are renewal for customers over 70) and you don’t have a major illness or pre-existing condition
  • Sun Life offers 3 plans, 2 of which offer amongst the best coverages available for prescription drugs
  • All plans cover healthcare, drugs and dental, with options for higher coverages including higher limits for drugs, dental, semi-private hospital visioncare and travel insurance
  • Best Doctor’s services are available
  • Sun Life mobile app included

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Sun Life - Health Coverage Choice

If you are leaving a group benefits plan, or will be losing your group benefits, Health Coverage Choice might be a good option.

  • There are no medical requirements required
  • You must be 74 or younger (plan can be renewed for those 75 and over)
  • You must apply within 60 days of losing your current benefits coverage
  • 3 plans available

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Great West Life - Sonata Health

Sonata Health plans offer health and dental benefits for individuals and families.

  • 3 plan designs, a guaranteed acceptance plan and 2 plans that offer higher levels of coverage
  • All plans offer drug coverage, dentalcare, paramedical services (physio, chiro, massage, etc.), ambulance services, vision coverage, medical supplies, hearing aids

  • Optional benefits include emergency travel, semi-private hospital, major dental services, etc.

  • All claims can be made online

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Great West Life - Plan Direct

Plan Direct is a great choice for individuals retiring or for people that are losing their job.

  • Coverage is guaranteed if they apply to Plan Direct within 60 days (they can apply right here online)
  • No medical exam is required, and people with pre-existing conditions can apply

  • Plan Direct has 3 plans to choose from, with varying levels of coverage

  • All claims can be made online

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CRITICAL ILLNESS
Insurance

Select a plan that best suits your needs,
or if you would like to learn more:

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Manulife - Critical Illness Insurance

Critical Illness Insurance offered by Manulife is available to people from 18-65 years of age.

  • This plan provides coverage of $25,000, $50,000 or $75,000  for 5 of the most common critical illness conditions: cancer, heart attack, stroke, coronary artery bypass surgery or aortic surgery.
  • No medical questionnaire is required. A simple declaration of good health is all that is needed.
  • Premiums are guaranteed for a 5 year period.

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HIGH INTEREST
Savings Accounts

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Manulife Bank Advantage Account

  • High Interest
  • Earn 3.25%1 on every dollar for the first 6 months
  • After that, you’ll still get 1.50%2 interest on your entire balance
  • Free unlimited everyday transactions3 when you keep a balance of just $1,000 PLUS free bank-to-bank transfers
  • Bank when and where you want with online and mobile banking
  • Access your money at over 3,500 ABM's across Canada

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