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
- Airfare and Trip Cancellation
- Travel Accident
- Visitors to Canada
- Student travel health plans
- Trip Interruption
Common Questions You May Have
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.
So long as your policy hasn’t lapsed and you haven’t had any claims, you should be able to extend your insurance subject to some conditions. You will need to contact your travel insurance company directly to extend your policy.
For those of you taking multiple trips throughout the year, we have an annual multi-trip policy available. You simply pay an annual fee to have coverage for unlimited trips throughout the year.
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.
We carry a suite of Visitors to Canada products. These would cover your family member for any emergency medical expenses that occur while they are in Canada. We have varying levels of coverage and deductible options to ensure affordability.
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!
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