Tour+Med Medical Travel Insurance

Tour+Med Medical Travel Insurance covers emergency health expenses for Canadians travelling outside their province of residence. Plans are underwritten by LS-Travel Insurance Company, a wholly owned subsidiary of Humania Assurance Inc., and provide up to $5,000,000 in emergency medical coverage. Available as a Single Trip Plan, Family Plan, or Annual Multi-Trip Plan, Tour+Med Medical Travel Insurance is open to travellers aged 3 months to 95 years. One of Tour+Med's key advantages is its dedicated medical department, which can individually assess complex or previously declined cases and offer personalized coverage where possible. Plans are available to residents of Alberta, British Columbia, Manitoba, New Brunswick, Ontario, Quebec, and Saskatchewan through OnVoyage, a licensed insurance broker.

Available Plans

Emergency Medical Benefits

• Hospital and medical expenses (semi-private room)
• Physician fees (reasonable and customary)
• Diagnostic services (lab tests, X-rays)
• Medical appliances (splints, casts, crutches, wheelchair rental)
• Licensed ground and air ambulance
• Emergency air transportation to hospital or home province
• Prescription drugs for emergency treatment (US $5 co-pay per prescription; initial 30 days only)
• Emergency dental: up to $1,000 for accidental injury; up to $500 for acute dental pain
• Private duty nursing and home health care (up to $10,000)
• Paramedical fees — chiropractor, podiatrist, physiotherapist (50%, up to $300)
• Incidental hospital expenses — phone, television, parking (up to $100)
• Transportation of family member to your bedside (economy airfare, 7+ consecutive days hospitalized)
• Return of deceased to province of residence (or cremation/burial at destination)
• Return of vehicle to home province (up to $2,000)
• Pet return — cat or dog (up to $500)
• Delayed return expenses — meals and accommodation (up to $200/day; $2,000 maximum)
• Emergency round trip — return home for family emergency or uninhabitable residence (up to $1,500; for single trips of 30+ days)
• Automatic 72-hour extension if delay is beyond your control

Pre-existing Conditions & Stability

A pre-existing medical condition is covered if it was Stable and Controlled for the required period before your departure date. "Stable and Controlled" means no new diagnosis, no new or changed treatment or medication, no new or worsening symptoms, no hospitalization, no referral to a specialist, and no outstanding investigative test results during the stability period.

Optional Add-ons

• Reduced Stability Period Option — For an additional premium, reduces the required stability period for specific pre-existing conditions from 3 or 6 months to 30 days. Must be identified in your Travel Insurance Confirmation.
• Extended Stability Period Option — In exchange for a lower premium, extends the stability requirement to 12 months before departure for all pre-existing conditions (excluding those with existing exceptions). Suitable for travellers in excellent health who want a reduced premium.
• Optional Exclusion Option — In exchange for a lower premium, adds a specific organ or body system exclusion for conditions you declare. No claims related to that exclusion will be payable.

Deductible Options

You may reduce your premium by selecting a deductible. Two deductible types are available:

• Traditional Deductible — The full deductible applies per insured event.
• Hospital Deductible — The full deductible applies only when an event involves hospitalization, emergency room visit, hospital clinic visit, or land/air ambulance transportation.

Key Exclusions

• Pre-existing conditions not Stable and Controlled for the required period before departure
• Any treatment not authorized by Emergency Assistance, or not considered an emergency under the policy
• Routine, elective, or cosmetic treatments; investigative tests not related to an emergency
• Pregnancy, childbirth, and related complications occurring within 9 weeks of the expected delivery date
• Mental, psychiatric, or psychological conditions (including depression, anxiety, and insomnia)
• Substance use, alcohol abuse, or self-inflicted injuries
• Professional or competitive sports; high-risk activities (mountain climbing with specialized gear, skydiving, spelunking, bungee jumping, SCUBA diving)
• Travel to destinations under a Government of Canada "avoid all travel" or "avoid non-essential travel" advisory in effect on your departure date
• War, civil unrest, terrorism, or participation in criminal activities
• Treatment that could reasonably be delayed until return to your home province
• Frequent business trips and volunteer activity trips

Claims & Emergency Assistance

You must contact Tour+Med Emergency Assistance before receiving any treatment. Failure to call prior to seeking treatment may result in your benefits being limited to 70% of eligible expenses up to a maximum of $25,000 CAD. Emergency Assistance coordinates your care, confirms your coverage to hospitals and physicians, and can arrange payment guarantees and repatriation.

Emergency Assistance — 24/7:

• Toll-free USA & Canada: 1 844 820-6588
• Toll-free elsewhere: 1 888 820-6588
• Collect from anywhere: 819 377-2241

To file a claim, submit documentation within 90 days of returning to your province of residence. Required documents include: original itemized bills, a completed provincial health insurance reimbursement form, and a completed Tour+Med claim form. All claim forms are available at tourmed.ca or by calling 1-877-344-8398.

Frequently Asked Questions

What is the maximum emergency medical coverage?

Up to $5,000,000 CAD per policy period for emergency medical expenses including hospitalization, physician fees, ambulance, emergency air transportation, diagnostic services, prescription drugs, and dental emergencies.

What plans are available?

Three plans: Single Trip Plan (ages 3 months to 95, up to 183 or 212 days depending on province), Family Plan (parents 59 or younger, up to 4 children, trips of 48 days or less), and Annual Multi-Trip Plan (ages 3 months to 85, trip durations of 8, 15 or 30 days, 365-day policy period). Top-ups are available for all plans.

Do I need a medical questionnaire?

Travellers under 60 on a single trip of 15 days or less are not required to complete a medical questionnaire. Travellers aged 60 to 74 on trips of 15 days or less must meet additional eligibility criteria but still follow a streamlined process. Travellers 60 and over on longer trips or annual plans must meet full eligibility requirements.

Are pre-existing conditions covered?

Yes, if Stable and Controlled for the required period: 3 months for travellers under 70 (2 months for high blood pressure, diabetes, or cholesterol), and 6 months for travellers 70 and over. Optional Reduced Stability and Extended Stability Period options can adjust this requirement for different premium levels.

Can Tour+Med cover travellers who were declined elsewhere?

Tour+Med has a dedicated medical department that individually reviews applications declined by other insurers and may be able to offer personalized coverage solutions. Contact OnVoyage or Tour+Med directly to discuss your situation.

What happens if I don't call Emergency Assistance first?

If you do not call Tour+Med Emergency Assistance before receiving treatment (except in circumstances beyond your control), your benefits may be limited to 70% of eligible charges up to a maximum of $25,000 CAD. If exceptional circumstances prevented you from calling first, you or a companion must call as soon as possible and provide proof of those circumstances.