The most common form of travel insurance is Emergency Medical Insurance. This is the one that will get you into a hospital if needed, cover trips to the doctor or clinic when you get injured or catch a bug that needs attention. Many hospitals around the world will not accept patients without medical insurance and even more will not release patients until the bill is paid in full.

Purchasing your emergency medical insurance through Health Risk gives you the peace of mind when you’re travelling to know that in any eventuality you and your family are covered. Including but not limited to hospital expenses, emergency medical transportation, emergency dental services and out of pocket expenses for your family members, even an escort to get your children or grandchildren home safely if needed.

Add-on Coverage: trip cancellation and trip interruption is add-on coverage that can save you or your family money in the instance of an accident or illness while away from home. Should your trip be cut short due to a medical emergency or an unforeseen medical situation causes a cancellation of your trip all is not lost. This coverage will reimburse you for your missed trip so that when you’re back on your feet again you’ll have the funds to rebook and try again. Baggage and rental coverage gives you solid protection should something happen to your luggage or an accident to your rental car while you’re away. Don’t let your trip be ruined because you have to worry about the added cost of replacing items that were lost by the airline or rental car insurance that is very limited in it’s coverage. Health Risk policies are complete and comprehensive.

Accidental Death and Dismemberment: this is the coverage that protects your family from additional expenses that arise from your accidental death or an accident that leaves you in a incapacitated for a period of time. Helping with transportation costs, estate expenses and funeral costs.

Don’t let an accident or illness spoil your vacation or put you in financial jeopardy when getting the right coverage through Health Risk is simple and affordable. The cost of travel insurance should always be factored in when planning a trip budget. Health Risk can help you determine what coverage is appropriate for you and your circumstances.

No matter where you plan to travel, make sure you check the Government of Canada’s Travel Advice and Advisories for your destination.

Once when you are planning your trip, and again shortly before you leave.

What Is Travel Insurance?

Travel Insurance is intended to cover sudden, unexpected and unforeseeable circumstances which create a need for emergency treatments such as hospitalization, emergency surgery or dental work, transportation, and recovery or return of personal possessions. Basically, Travel Insurance will provide coverage for health care services in another province or country that your local or provincial plan will not cover. When purchasing a Travel Insurance Plan, ensure you are purchasing the right product with the best coverage by using an HRS Inc. Travel Insurance Checklist to guide you in your decision-making process.

Who Should Purchase Travel Insurance?

Government health insurance plans will pay only a small fraction of expenses if you are sick or injured while outside Canada. Some hospitals charge thousands of dollars a day, not including doctors, Efees or diagnostic services. Without emergency hospital and medical insurance, you and your family would be responsible for these high costs.

Travel Insurance: Key Features & Options

Circumstance/Occurrence Definition Coverage
Hospitalization Emergency hospitalization (semi-private) and emergency medical services in excess of provincial or territorial plan Up to $5 million
Meals & Accommodation While you are in hospital, insured family members or traveling companions remaining with you will be reimbursed for reasonable living expenses Up to $3,000
Transportation of Family or Friend Round trip economy transportation to bring family or friend to bedside

Travel Costs and/or identification of remains in cases of death

Up to $3,000

Up to $1,000

Return Transportation One-way economy transportation to return insured travelling companions and one insured accompanying family member home* Extra costs incurred
Attendant Attendant (not a relative) and return economy transportation to travel with your children home when you have been air evacuated back to Canada* Extra costs incurred
Return of vehicle or watercraft vehicle or watercraft used on journey which cannot be returned due to illness or injury that is covered by your plan Up to $3,000
Pet Return (Dog or Cat) Return of accompanying dog or cat to Canada if you return to Canada under the Emergency Transportation benefit or are hospitalized due to a sickness or injury covered by your plan Up to $300
Return of Deceased In the event of death, cost to return your body to Canada

In the event of death, cost for cremation or burial at place of death

Up to $10,000

Up to $4,000

Accidental Dental Emergency repair or replacement of whole or sound natural teeth caused by an accidental blow to the face Up to $3,000
Dental Emergencies Immediate relief of acute dental pain from causes other than an accidental blow to the face Up to $500
Emergency Transportation Arrangements for emergency transportation to a hospital in Canada or to the nearest hospital** Extra costs incurred
Return to Original Trip Destination One-way economy transportation for you and travelling companion to return to original trip destination after your emergency is completely resolved if your return home was under the Emergency Transportation benefit Up to $5,000

* Travelling companions are under the age of 18, or physically or mentally handicapped and reliant on you for assistance
** Patient must be medically assessed as transportable

What is Not Covered Under Travel Insurance

Travel insurance does not cover everything. This insurance has exclusions, conditions and limitations. Certain circumstances and conditions may affect the manner in which insurance coverage can be applied to a medical situation.

Stay tuned for the introduction of our TOTALHealth™ program! To be launched in 2023.