TravelEase Insurance Coverage for
Pre-Existing Conditions
If you have a health issue, or had one in the past, it can be hard to find travel insurance that covers your pre-existing condition. But travelling without travel insurance – or without enough travel insurance – can be a big risk.
Overview
TravelEase can cover fully disclosed medical conditions, with up to $10 million in emergency medical benefits. Know your medical conditions and travel dates, and then call us at 1-855-583-7239 for a quote.
Accessible protection for worldwide travel
- Up to $10 million in emergency medical benefits
- Covers a wide range of expenses for health services and transportation
Apply at any age
- Canadian resident
- Covered by a Canadian provincial or territorial health insurance plan
- Must answer questions about all medical conditions
- Must know travel dates
Choose how long you're away
- Cover short and long trips – up to 365 days provided that you remain covered by a Canadian provincial or territorial health insurance plan
Cover many emergency medical costs*
Health services
- Hospital and physician services
- Emergency paramedical services
Transportation
- Ambulance
- Emergency medical return home
Get extra support
- Our Medical Concierge Services will assist you anywhere you travel
Carry your policy everywhere you travel
Keep your policy and wallet card safe, and take them with you everywhere you go on your trip. Your wallet card has contact information for our Assistance Centre, available 24/7, if you need to access your benefits while you're away. In addition, get the TravelAid mobile app, which can provide directions to the nearest medical facility and local emergency telephone numbers.
You must contact the Assistance Centre before you receive any treatment while on your trip. If you don't, you will have to pay 20% of the medical expenses that would normally be covered under this policy, and some benefits may be limited or not covered.
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Top 5 questions about travel insurance
When you travel outside your home province or territory, even if you're still in Canada, there are limits on how much your government health insurance plan will pay. Costs that may not be covered include air and ground ambulance, emergency dental treatment and prescription drug expenses. Travel insurance can help with these costs, so it makes sense to have it whether you're visiting another part of Canada or another part of the world.
We can top up travel insurance offered by another insurer, adding extra days to your current coverage. You are responsible for ensuring that your current coverage is in force and allows top-ups. Your top-up coverage is subject to CoverMe® Travel Insurance's terms and conditions.
For single-trip plans, you can add extra days of coverage while you're travelling provided that there has been:
- No event that has resulted or may result in a claim against the policy, and
- No change in your health status
You must call 1-800-268-3763 before your coverage expires and pay the appropriate premium.
For multi-trip plans, it's best to add extra days of coverage before you leave home. Simply get a top-up up to the maximum allowed by your government health insurance plan. If you need to add extra days of coverage while you're travelling, call 1-800-268-3763 and we will do our best to help you.
A dependent grandchild meets our definition of "child." To be covered, your grandchild must be named on your confirmation and be travelling with you. Keep in mind that all travellers covered under a family travel insurance plan must be under age 60.
All our travel insurance plans for travelling Canadians start with a $0 deductible. You can save money with a higher deductible on our Single-Trip Emergency Medical Plan and Multi-Trip Emergency Medical Plan (these deductibles apply only to emergency medical coverage. COVID-19 Pandemic Travel plan not included):
- $500 deductible – save 10%
- $1,000 deductible – save 15%
- $5,000 deductible – save 30%
- $10,000 deductible – save 35%
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