Travel Insurance

Emergency Medical Coverage

Many Canadians travel without travel medical emergency coverage, believing government health programs cover everything—they don’t. The cost of just one incident could be financially devastating.

GMS TravelStar® Emergency Medical coverage provides protection from the high cost of emergency treatment while travelling.

Basic coverage includes:

  • $5,000,000 in coverage
  • 24 essential benefits including hospital, physician and ambulance expenses
  • 24-hour, worldwide assistance

Purchase as a Single-Trip or Multi-Trip Annual plan.

Multi-Trip Annual

For frequent travelers, the Multi-Trip Annual Plan provides coverage for an unlimited number of trips during the policy year. Depending on the trip length you choose, each trip you take within the policy year can be 15 days or less, or 30 days or less. If you purchase a Multi-Trip Annual Plan and decide to stay longer than your chosen 15 or 30 days, a Single-Trip Plan can be used to extend your coverage on a daily basis for as many days as required.(Please note, Multi-Trip Annual plans are only available to those age 79 and under.)

Single-Trip

A Single-Trip Plan is coverage for one trip. Coverage begins on a specified departure date and lasts until a specified return date. A Single-Trip Plan for emergency medical coverage covers trips up to 183 days long and offers a choice of a $0, $250, $1,000, or $5,000 deductible.

Don't forget you can SAVE 10% on Trip Cancellation Interruption coverage when you bundle it with Emergency Medical coverage. You can also protect your personal belongings by adding Baggage Loss Damage Delay.

5% Companion Discount - will be automatically applied to all Single-Trip Emergency Medical Plan premiums – including your own - when you are travelling with at least one family member (spouse and/or dependants) over 16 years of age on the same application.

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Travel Medical Emergency Coverage

Benefit Detail
In Hospital Care Covers hospital room charges (up to semi-private rooms) and hospital services and supplies necessary for the emergency care during hospitalization.
Medical Services Covers treatment by a physician.
Diagnostic Services Covers the cost of x-rays and other diagnostic tests
Out-patient Medical Treatment Covers the cost of out-patient medical treatment.
Prescription Drugs Covers the prescription drugs and medication prescribed by the attending physician to a maximum 30 day prescription— lost, stolen or damaged prescriptions are also covered up to $50.
Rental of Essential Medical Appliances Expenses for the rental of essential medical appliances (wheelchair, crutches, canes etc.) when needed due to a medical emergency that occurred on you trip.
Emergency Dental Services Covers up to $2,000 for detail repair or replacement of natural teeth when caused by an accidental blow to the mouth—also covered $250 for the treatment and relief of dental pain for any dental emergency other than that caused by an accidental blow to the mouth.
Private Duty Nursing Covers the cost of private duty nursing up to $5,000 per person.
Health Practitioners Covers up to $300 each for the emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, and/or podiatrist.
Road Ambulance Covers 100% of emergency transport to a hospital.
Air Ambulance $20,000 coverage for helicopter air ambulance in a medical emergency involving life threatening circumstances where you require immediate transport to the nearest hospital with adequate facilities.
Remote Evacuation Covers expenses up to a maximum of $20,000 for your evacuation to the nearest hospital from a location inaccessible by road in a medical emergency involving life threatening circumstances.
Repatriation Covers charges for the use of an air ambulance or regularly scheduled airline to transport you back to your province of residence from outside of Canada for further in-hospital treatment.
Special Attendant Covers the cost of one return trip (economy-class airfare) for a medical attendant to accompany you back to your province of residence.
Return of Family Member Covers up to $1,000 for the cost of a one-way, economy-class airfare by the most direct route to the departure point for the return of one covered accompanying family member if GMS requires you to return to your province of residence for medical treatment, or in the event of your death.
Return & Escort of Dependent Child/Grandchild Covers the cost of one-way, economy-class airfare by the most direct route to return an accompanying child/children (up to the age of 18 years), and an escort when necessary, to the original point of departure.
Family/Friend to Bedside Covers up to $3,000 for the cost of a round-trip, economy-class airfare for one family member in the event you are hospitalized for at least 3 consecutive nights, as well as $150 a day up to $750 for the reasonable expenses incurred by the transported family member.
In the Event of Death Covers up to $2,000 for the cost of a single round trip, economy class airfare for a family member to identify the deceased, which includes up to $300 for meals and accommodations.
Return of Remains Covers up to $7,000 for the preparation and transportation of the deceased to his/her province of residence, or $3,000 for cremation or burial at the place of death.
Repatriation Covers charges for the use of an air ambulance or regularly scheduled airline to transport you back to your province of residence from outside of Canada for further in-hospital treatment.
Return of Vehicle Covers up to $2,000 for the cost of having your vehicle returned to your province of residence when you or your traveling companions are unable to do so, due to emergency treatment.
Return of Cat or Dog Covers up to $300 for the cost of returning your cat or dog to your province of residence, in the instance that GMS returns you to your province of residence for further in-hospital medical treatment.
Child Care Covers up to $500 for licensed care for a dependant traveling with you in the instance that you are hospitalized for 48 hours or more.
Out-of-Pocket Expenses Covers up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls, and taxi or bus fares incurred by an accompanying family member in the event you are hospitalized on the scheduled date of your return to Canada.
Coverage Continuation Your policy coverage will continue uninterrupted when returning to your destination if you had to unexpectedly return to your province of residence during your trip.

This is a summary of benefits. Please refer to the policy wording for complete details.

 

Brochure

Overview with rate schedules

Emergency Medical Policy Wording

Complete details for Emergency Medical Coverage

Trip Cancellation & Interruption Policy Wording

Complete details for Trip Cancellation & Interruption Coverage