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Overview

Did you remember to pack travel insurance? Emergency Out of Province Medical Insurance takes care of any fees incurred in an emergency health situation. These policies also provide 24/7 multi-lingual assistance to ensure you are assisted by the right doctors.

Call us for a free quote!

Tyndall Park: 204-953-4000

St Vital: 204-257-3076

Coverage Options

  • Airfare and Trip Cancellation
  • Travel Accident
  • Visitors to Canada
  • Student travel health plans
  • Luggage
  • Trip Interruption

Common Questions You May Have

Q: Do travel policies have deductibles?
A:

We carry travel insurance products from Manitoba Blue Cross and Allianz. Blue Cross never has a deductible for any of their products; Allianz has deductible options to make the policy more affordable, but you can always opt for a $0 deductible for an extra cost.

Q: What’s a pre-existing conditions clause and should I be worried?
A:

This clause is built in to many travel insurance policies, so it’s important to understand what it means to you. A pre-existing conditions clause means that the travel insurance company will not cover you for any issues resulting directly or indirectly from a health condition that you had prior to your trip. There is often a “stability period” which is outlined in the policy provisions, so if you’ve been stable for longer than the stability period your pre-existing condition would be covered.

Q: Do I need travel health coverage if I’m travelling within Canada?
A:

If you are travelling throughout Canada and you are injured, your provincial healthcare will respond to assist you, but will only pay what it would cost in your home province. So if you require an emergency medical procedure that costs $20,000 in Quebec, but it costs $15,000 in Manitoba you would be required to pay the difference. So the short answer is: yes!

Q: Doesn’t my provincial health care cover me while I’m travelling?
A:

The province will give you some financial assistance in the event of a medical emergency, but it is seldom enough. There are a lot of horror stories from fellow Canadians having to pay tens or hundreds of thousands of dollars after being injured abroad. The Canadian government recommends purchasing travel insurance every time you leave home. Here’s the article: https://travel.gc.ca/travelling/documents/travel-insurance

Crossroads Insurance

Reopening to the Public!

Effective Wednesday May 27th, 2020, our offices will once again be opening our doors to the public. We will also continue to perform transactions by phone, email and online.

The health and safety of our employees and customers is our top priority and we would like to ensure that safety measures have been put in to place to protect everyone.

We will continue to follow the guidelines set out by the Province of Manitoba and Health Canada. To ensure customer and staff safety, we have implemented the following measures:

  • We will be limiting the number of customers permitted in the office at any one time
  • We have markers placed to comply with physical distancing
  • We have installed protective shields on desks between the insurance advisor and customer
  • Hand sanitizer will be available upon entry to the office
  • The payment terminal will be disinfected in between uses
  • Each station used for a transaction will be disinfected in between customers
  • Further Increased frequency of cleaning and sanitizing

In an effort to minimize the amount of people in our offices at any one time, we will continue to have some of our staff work remotely.

We will continue to maintain reduced hours as follows: Monday to Friday 9:00am to 5:00pm, and Saturdays 10:00am to 4:00pm.

When visiting one of our locations, please respect social distancing both outside and inside the branch, and follow the directions on all signage.

If you are experiencing any COVID-19 symptoms, or have travelled outside the province in the last 14 days, please do not attend the office. We will be happy to help you over the phone, by email, or online.

There may be times when our team members are dealing with increased call volumes and walk-in traffic. Please be patient during this time. Please leave a voicemail and one of our Insurance Advisors will return your call as soon as they are available. You can also send your inquires by email, fax, and through our website.

Thank you for your patience as we work through this together. We will continue to monitor the situation closely and provide you with regular updates.

Please do not hesitate to contact one of our Insurance Advisors who are here to help and ready to assist you.

Your Crossroads Insurance Team