GMS Insurance

Since 1949, GMS Insurance has been committed to supporting and promoting health care for Canadians. With a long history of service, innovation, and community investment, GMS offers a range of insurance products designed to fill the gaps left by provincial health plans — whether you are travelling abroad, visiting Canada from another country, or looking for supplemental health coverage for your family. Through OnVoyage, a licensed insurance broker, you can compare GMS plans and purchase coverage online in minutes.

GMS offers three insurance products to suit different needs:

TravelStar^® Travel Insurance

GMS TravelStar Travel Insurance is for Canadian residents travelling outside their home province or abroad. It provides up to $5,000,000 in emergency medical coverage with a single 180-day stability rule that applies to all travellers regardless of age — no age tiers to navigate. Coverage is available as a single-trip plan (up to 365 days) or an annual multi-trip plan (15 or 30-day max per trip). Emergency Medical and Trip Cancellation Coverage can be purchased separately or bundled together.

Key benefits

• Emergency medical coverage up to $5,000,000
• COVID-19 coverage up to $500,000
• Hospital, physician, ambulance, and prescription drug coverage
• Air ambulance up to $20,000; remote evacuation up to $20,000
• 180-day stability rule — same for all ages
• Optional trip cancellation and interruption coverage (includes baggage protection)
• 24/7 emergency assistance — 1-800-459-6604

Immigrants & Visitors to Canada Insurance

GMS Immigrants & Visitors to Canada Insurance covers emergency medical expenses for non-residents who are not enrolled in a provincial health plan — including parents and grandparents visiting on a Super Visa, tourists, new immigrants awaiting provincial coverage, and returning Canadians who have lost provincial coverage. Choose from $25,000, $50,000, $100,000, or $150,000 in total coverage with deductibles of $0, $100, $500, or $1,000. Policies can be purchased for up to 365 days. Visitors under 55 years of age are not required to answer detailed medical questions.

Key benefits

• Coverage amounts: $25,000 / $50,000 / $100,000 / $150,000
• Deductibles: $0 / $100 / $500 / $1,000
• No medical questions for applicants under 55
• Super Visa eligible ($100,000+ coverage meets IRCC requirement)
• In-hospital care, physician fees, ambulance, and prescriptions
• Side trip coverage (up to 30 days outside Canada)
• Apply before or after arrival in Canada
• 180-day stability rule for pre-existing conditions

Personal Health Coverage

GMS Personal Health Coverage is a supplemental health insurance plan for Canadians without group benefits — including self-employed individuals, retirees, and contract workers. Choose from three plan tiers (BasicPlan, ExtendaPlan^®, OmniPlan^®) and customize your coverage with optional prescription drug, dental care, hospital cash, and annual travel add-ons. The GMS Care Network, which helps members find providers and manage health costs, is included at no extra charge on all plans.

Key benefits

• BasicPlan — hospital, ambulance, private duty nursing, accidental dental
• ExtendaPlan — adds physiotherapy, massage, hearing aids, orthotics, and equipment
• OmniPlan — highest limits + $2,000,000 travel emergency medical included
• Optional Dental Care (Year 1: $500; Year 2: $750; Year 3+: $1,000)
• Optional Prescription Drug coverage (up to $3,500 or $5,000)
• Optional Hospital Cash ($100/day up to $3,000/year)
• GMS Care Network included on all plans