Travel Insurance

Travel Insurance provides peace of mind by offering coverage irrespective of health condition. Secure your travel arrangements with a policy that ensures benefits without medical underwriting, ensuring protection and reassurance throughout your journeys. Safe travels!

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4.8 Stars
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Our Reviews

Excellent4.8 Based on 395 reviews from ★★★★★ Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.Edgar MontanoEdgar Montano ★★★★★ Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.Kevin RodgerKevin Rodger ★★★★★ Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate youDeb KnightDeb Knight ★★★★★ Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred CrossanMary CrossanMary Crossan ★★★★★ I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend herRachel BlouinRachel Blouin ★★★★★ Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!Faye Libler (MacGIRLver)Faye Libler (MacGIRLver) ★★★★★ Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertiseLindaLinda ★★★★★ Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!Cindy MathisonCindy Mathison ★★★★★ Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!Donna KarjalainenDonna Karjalainen ★★★★★ Service was excellent. Assisted in every way possible to clarify my needs.John FantinJohn Fantin ★★★★★ I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.Mikhael ChernitskyMikhael Chernitsky ★★★★★ Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!Bandna SawhneyBandna Sawhney ★★★★★ I had a great experience with Sehar when purchasing my travel insurance.Joy McDonellJoy McDonell ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishijs_loader
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Shopping for Travel Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding Travel Insurance

Traveling is an exhilarating experience that allows us to explore new destinations, immerse ourselves in diverse cultures, and create unforgettable memories. Whether it’s a leisurely vacation, a business trip, or a backpacking adventure, the anticipation of embarking on a journey can be incredibly exciting. However, amidst the thrill of travel, it’s essential to consider the potential risks and unforeseen circumstances that may arise during your trip.

This is where travel insurance comes into play. It serves as a safety net, offering protection and peace of mind in the face of various travel-related contingencies. From flight cancellations and lost luggage to medical emergencies and unforeseen trip interruptions, travel insurance provides a financial cushion and support system to mitigate the impact of unexpected events. While no one anticipates encountering mishaps during their travels, having the right travel insurance in place can make all the difference in navigating challenging situations.

Key Benefits

Having a travel insurance offers several key benefits:

Emergency Health Coverage:

  • If you fall ill or get injured while traveling, travel insurance helps pay for emergency health expenses. This includes medical treatment, hospital stays, and ambulance services.
  • It provides peace of mind, knowing that you won’t face hefty medical bills in a foreign country.

Financial Protection for Unexpected Events:

  • Travel insurance takes your mind off “what ifs.” It covers financial consequences due to flight delays, cancellations, missed connections, baggage issues, and more.
  • Whether it’s a missed connection or lost luggage, travel insurance minimizes the impact on your wallet.

Assistance Services:

  • Many travel insurance providers offer additional assistance services. These can help with lost passports, finding translators, or locating nearby hospitals while you’re on vacation.

Different Types of Travel Insurance

Travel insurance encompasses a wide range of coverage to address the diverse risks associated with travel. The specific coverage provided can vary based on the insurance provider and the type of policy chosen. However, some common components of travel insurance coverage include:

Medical Travel Insurance

Travel insurance often includes coverage for medical expenses incurred during your trip, encompassing treatment for illnesses, injuries, and emergency medical evacuations.

Lost Baggage Insurance

In the event of lost, stolen, or delayed baggage, travel insurance can provide reimbursement for essential items and clothing until your belongings are recovered.

Trip Cancellation And Interruption Insurance

This feature reimburses you for non-refundable trip expenses if you have to cancel or cut short your trip due to unforeseen events such as bad weather, illness, injury, or family emergencies.

All-Inclusive Travel Insurance

This feature combines all the coverage types mentioned above, providing comprehensive protection. However, your premiums will be higher due to its extensive coverage.

Tips for Saving Money on Travel Insurance

The best way to save money on travel insurance is to compare rates from different insurance companies. This can be time-consuming, but it’s worth it. Luckily, Health Rates, do the hard work for you by checking rates from major Canadian insurers when you request a quote online.

Multi-Trip Policies for Frequent Travelers

If you travel at least twice per year, consider purchasing a Multi-Trip policy. These policies cover multiple trips and can save you money compared to buying separate policies for each trip.

Family Discounts

When traveling with family, look for insurers that offer reduced rates when you purchase travel insurance for at least three family members. Bundling family coverage can lead to cost savings.

Plan Ahead for Snowbirds

If you’re a snowbird (someone who spends part of the year in a warmer climate), consider purchasing your policy well in advance of your travels. Some insurers offer reduced rates in late summer and early fall.

Extend Your Trip Coverage

Instead of buying a new policy, top up your existing plan if you need to extend your trip. Contact your insurance issuer to discuss options for extending coverage without starting from scratch.

FAQ’s – Travel Insurance

Learn more about Travel Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

Travel insurance operates much like other types of insurance. By paying a premium, you gain benefits that can help mitigate the expenses resulting from unforeseen travel delays or emergencies. Depending on your specific plan, your travel insurance may cover a portion or all of your costs, including hotel reservation cancellations, non-refundable flight tickets, and lost baggage.

Travel insurance plans differ depending on the provider. However, they generally cover expenses related to travel emergencies and delays. These can include illness, ambulance services, lost belongings, tour cancellations, flight delays due to weather, and more.

Travel insurance safeguards you and your belongings in various situations, such as:

  • Injury
  • Trip delays
  • Lost baggage
  • Ambulance services
  • Illness
  • Trip cancellation
  • Medications
  • Medical emergencies

Similar to other insurance types, travel insurance rates differ based on the provider and the coverage required. Several factors influence your travel insurance rate:

  • Destination: The location you’re traveling to.
  • Activities: The type of activities you’ll engage in during your trip.
  • Group Size: The number of people traveling with you.
  • Claims History: Any past insurance claims you’ve filed.
  • Coverage Preferences: Your desired level of coverage.

While some provinces have arrangements for medical billing in case of out-of-province medical needs, this isn’t always the case. You’ll likely need to file a claim to recover your losses. However, even in such scenarios, you may not fully recoup your incurred costs.

The reason is that the cost of medical procedures varies across provinces. Your provincial plan might cover a portion of your medical expenses, but you could still be left with significant out-of-pocket expenses. Additionally, emergency transportation back home isn’t typically covered.

Considering these factors, travel insurance can significantly reduce your expenses during medical emergencies, even when traveling within Canada.

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