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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

COVID-19 Updated Notice

Effective March 15, 2022, we declared Crossroads Insurance's offices as a Mask-Friendly environment where mask use by guests will be strongly encouraged, but not required. Mask use by staff will still be required, and all our safety measures such as plexi-glass separation and cleaning protocols will still be maintained. It is our hope and expectation that everyone’s personal choice will be respected and any harassment or abuse toward fellow guests or staff will not be tolerated.

Our primary focus continues to be the safety, health, and well-being of our staff, customers, and business partners. Please accept our sincere appreciation for your ongoing cooperation and understanding, as well as for your patience as we have taken the time to fully contemplate these changes to our Health & Wellness Principles. Please watch for further communication as we will continue to monitor and reassess our measures as needed.

Your Crossroads Insurance Team