Medicare International Travel Insurance
Protection for Canadians travelling outside of their province of residence.
21st Century's Medicare International Travel Insurance is for Canadian residents with provincial healthcare travelling outside of their province of residence or outside of Canada. Provincial health insurance covers only a small portion of the cost of a medical emergency while you are travelling. For example, a 5-day hospital stay in Florida can result in charges of $50,000 or more. Your provincial plan would likely reimburse less than $5,000, leaving you with a bill for more than $45,000!
You can choose between Emergency Medical, All-Inclusive or Stand-alone Trip Cancellation. Single trip and Multi-Trip plans are available.
Please note that the product offered through Travel Agents is slightly different than the one described below which is sold by insurance brokers and advisors. Contact your Travel Agent for details.
Plans at a Glance
Select a tab to see different coverage options.
Single Trip Emergency Medical Plan
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Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for one continuous trip.
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Up to $10 million in emergency medical benefits.
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Premium discounts available (deductibles, companions, families and travel within Canada).
Multi-Trip Emergency Medical Plan
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Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for an unlimited number of trips taken during the policy year.
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Up to $10 million in emergency medical benefits.
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Trip duration options of 4, 10, 18, 30 and 60 days.
Emergency Medical Plans
Single Trip
Emergency Medical
Ages: 0 to 111 years
Duration: up to 212 or 365 days
Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for one continuous trip.
Coverage limit of up to $10 million for eligible emergency medical expenses.
A range of deductibles from $0 to $10,000.
24-hour worldwide emergency medical assistance.
No medical questionnaire required for those under the age of 60.
Companion and family rates available.
Top-up coverage is available.
Coverage includes cost for:
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Hospital, medical and paramedical services
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Ambulance transportation
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Emergency dental treatment
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Expenses to bring someone to your bedside
View More
View Less
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Extra expenses for meals, hotel and taxi
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Expenses related to your death
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Expenses to bring you home
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Expenses to return excess baggage
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Expenses to return children under your care
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Childcare expenses
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Expenses to return your travel companion
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Expenses to return your vehicle
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Hospital allowance & phone call expenses
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Pet return
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Return to original trip destination
Policy Documents:
Multi-Trip
Emergency Medical
Ages: 0 to 111 years
Trip Lengths: 4, 10, 18, 30, or
60 days
Covers eligible expenses related to unforeseen, unexpected medical emergencies when travelling outside of your province of residence for any number of trips taken within 1 year.
Each trip outside of Canada can be up to the trip length option you select (4, 10, 18, 30 or 60 days).
An unlimited number of days of travel is covered within Canada during the year.
Coverage limit of up to $10 million for eligible emergency medical expenses.
A range of deductibles from $0 to $10,000.
24-hour worldwide emergency medical assistance.
No medical questionnaire required for those under the age of 60.
Companion and family rates available.
Top-up coverage is available.
Coverage includes cost for:
-
Hospital, medical and paramedical services
-
Ambulance transportation
-
Emergency dental treatment
-
Expenses to bring someone to your bedside
View More
View Less
-
Extra expenses for meals, hotel and taxi
-
Expenses related to your death
-
Expenses to bring you home
-
Expenses to return excess baggage
-
Expenses to return children under your care
-
Childcare expenses
-
Expenses to return your travel companion
-
Expenses to return your vehicle
-
Hospital allowance & phone call expenses
-
Pet return
-
Return to original trip destination
Policy Documents:
All-Inclusive Plans
Single Trip
All-Inclusive
Ages: 0 to 111 years
Duration: up to 212 or 365 days
Covers eligible expenses related to unforeseen, unexpected situations when travelling outside of your province of residence for one continuous trip.
Coverage limit of up to $10 million for eligible emergency medical expenses.
Up to $3,500 for Trip Cancellation & Interruption.
Up to $1,000 for Baggage Loss or Damage, and up to $500 for Baggage Delay.
Up to $100,000 for Flight Accident (death or dismemberment).
Up to $50,000 for Travel Accident (death or dismemberment).
24-hour worldwide emergency medical assistance.
No medical questionnaire required for those under the age of 60.
Companion and family rates (Emergency Medical portion only) available.
Emergency Medical coverage includes cost for:
-
Hospital, medical and paramedical services
-
Ambulance transportation
-
Emergency dental treatment
-
Expenses to bring someone to your bedside
View More
View Less
-
Extra expenses for meals, hotel and taxi
-
Expenses related to your death
-
Expenses to bring you home
-
Expenses to return excess baggage
-
Expenses to return children under your care
-
Childcare expenses
-
Expenses to return your travel companion
-
Expenses to return your vehicle
-
Hospital allowance & phone call expenses
-
Pet return
-
Return to original trip destination
Covered events for Trip Cancellation and Interruption include:
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You, your travel companion, a member of your immediate family or a member of your travel companion's immediate family develop a sudden and unforeseen medical emergency or die.
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You miss a connection or must interrupt your trip because of the delay of your connecting private passenger or common carrier, when the delay is caused by mechanical failure, a traffic accident, an emergency policy-directed road closure or weather conditions, earthquakes or volcanic eruptions.
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Weather conditions, earthquakes or volcanic eruptions cause the scheduled common carrier to be delayed for at least 30% of your trip.
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And more! See the policy wording for a full list of covered events.
Policy Documents:
Multi-Trip
All-Inclusive
Ages: 0 to 111 years
Trip Lengths: 4, 10, 18, or
30 days
Covers eligible expenses related to unforeseen, unexpected situations when travelling outside of your province of residence for any number of trips taken within 1 year.
Each trip outside of Canada can be up to the trip length option you select (4, 10, 18, 30 or 60 days).
An unlimited number of days of travel is covered within Canada during the year.
Coverage limit of up to $10 million for eligible emergency medical expenses.
Up to $3,500 per trip to a maximum of $6,000 per policy for Trip Cancellation & Interruption.
Up to $1,000 per trip to a maximum of $3,000 per policy for Baggage Loss or Damage, and up to $500 per trip to a maximum of $1,500 per policy for Baggage Delay.
Up to $100,000 for Flight Accident (death or dismemberment).
Up to $50,000 for Travel Accident (death or dismemberment).
24-hour worldwide emergency medical assistance.
No medical questionnaire required for those under the age of 60.
Companion rates available.
Emergency Medical coverage includes cost for:
-
Hospital, medical and paramedical services
-
Ambulance transportation
-
Emergency dental treatment
-
Expenses to bring someone to your bedside
View Less
View More
-
Extra expenses for meals, hotel and taxi
-
Expenses related to your death
-
Expenses to bring you home
-
Expenses to return excess baggage
-
Expenses to return children under your care
-
Childcare expenses
-
Expenses to return your travel companion
-
Expenses to return your vehicle
-
Hospital allowance & phone call expenses
-
Pet return
-
Return to original trip destination
Covered events for Trip Cancellation and Interruption include:
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You, your travel companion, a member of your immediate family or a member of your travel companion's immediate family develop a sudden and unforeseen medical emergency or die.
-
You miss a connection or must interrupt your trip because of the delay of your connecting private passenger or common carrier, when the delay is caused by mechanical failure, a traffic accident, an emergency policy-directed road closure or weather conditions, earthquakes or volcanic eruptions.
-
Weather conditions, earthquakes or volcanic eruptions cause the scheduled common carrier to be delayed for at least 30% of your trip.
-
And more! See the policy wording for a full list of covered events.
Policy Documents:
Non-Medical Plans
Stand-alone Trip
Cancellation & Interruption
Ages: 0 to 111 years
Duration: up to 365 days
Reimbursement up to the covered amount of eligible expenses incurred before your departure (Trip Cancellation).
Reimbursement up to the actual cost of eligible expenses incurred on or after your departure (Trip Interruption or Delayed Return).
Reimbursement in the event of death while travelling.
24-hour worldwide emergency assistance.
No medical questionnaire required, regardless of age.
Companion rates available.
Covered events for Trip Cancellation and Interruption include:
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You, your travel companion, a member of your immediate family or a member of your travel companion's immediate family develop a sudden and unforeseen medical emergency or die.
View More
View Less
-
You miss a connection or must interrupt your trip because of the delay of your connecting private passenger or common carrier, when the delay is caused by mechanical failure, a traffic accident, an emergency policy-directed road closure or weather conditions, earthquakes or volcanic eruptions.
-
Weather conditions, earthquakes or volcanic eruptions cause the scheduled common carrier to be delayed for at least 30% of your trip.
-
And more! See the policy wording for a full list of covered events.
Policy Documents: