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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

Updated Notice

Temporary Changes
To Prevent the Spread of COVID-19

Crossroads Insurance has been monitoring and assessing developments with COVID-19. The health and safety of our customers and staff is our priority. COVID-19 precautions continue to escalate in Canada and around the world. As a result, Crossroads Insurance’s response continues to evolve as developments change. In the best interests of our employees and our customers, as well as their health and safety, effective immediately, we have made the decision to close our offices to the public.

Although our physical offices are closed to the public, Crossroads Insurance remains open for business. We want to assure that we are still here to serve you. Crossroads Insurance can handle the majority of your MPI Services/Autopac, Home, Business, and Life insurance needs over the phone, by email, or online.

We are confident there will be little impact on our service capabilities and responsiveness as a result of these changes. There may be times when our team members are dealing with increased call volumes. 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 inquiries by email, fax, and through our website.

Thank you for your patience as we work through this rapidly changing situation. 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.

We are here to support you as we work through this together,

Your Crossroads Insurance Team