Emergency Medical Coverage

Make the most of your holiday.

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You work hard and have earned a good time away from the every day. Whether it’s a quick trip to see family for the weekend, a relaxing vacation to celebrate the end of another school year, or the travel adventure of a lifetime, you deserve it! Our TravelStar® Emergency Medical Coverage provides protection from the high costs of emergency treatment while travelling outside your home province, so when the unexpected happens you can get the help you need without having to worry about your bank account.

Coverage includes:

  • Up to $5,000,000 in coverage
  • Essential benefits like ambulance, emergency dental, hospital care and more!
  • 24/7 world-class, multi-lingual travel assistance
  • Virtual Care for minor emergencies. Save a trip to a hospital or clinic by speaking to a medical professional over the phone or video chat. When you call our Travel Assistance they'll determine if virtual care is the best option for you. Some of the things it can help with are: lower back pain, minor sprains and injuries, eye infections, urinary tract infections, skin infections, stomach flu and common cold symptoms.

You can also choose between single-trip and multi-trip plans to make sure you’re covered, no matter what your travel habits are.

Multi-Trip Annual Plan:

  • Designed for frequent travellers and Snowbirds
  • Coverage for an unlimited number of trips in a policy year
  • Choose between 15 and 30 days of coverage
  • Extend coverage on a daily basis with Single Trip Emergency Medical Coverage
  • Product is non-refundable

Single-Trip Plan:

  • Designed for travellers with one trip in mind
  • Purchase coverage for trips up to 365 days
  • Top up coverage from another insurance plan

Travel protected with TravelStar Travel Insurance.

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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 your trip.

Emergency Dental Services

Covers up to $2,000 for 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.


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.

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.

See More

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

Be prepared for the unexpected.

Spend your time planning your adventures, and let us plan for the unexpected with Trip Cancellation Insurance. This coverage lets you protect the investment you made in your trip in case you have to cancel or there’s an interruption once you’re on your way. We’ve even got your luggage covered in if gets lost, damaged or delayed getting to you.

Learn More >

Save your cash for souvenirs.

  • Save 10% on your Trip Cancellation Coverage when you bundle it with Emergency Medical Coverage.
  • 5% Companion Discount - will be automatically applied to all Single-Trip Emergency Medical Plan premiums – including your own - when you’re travelling with at least one family member (spouse and/or dependants) over 16 years of age on the same application.
  • Pay less when you choose a higher deductible (choose between $0, $250, $1,000, and $5,000)

Frequently Asked Questions

A sudden and unforeseen medical condition that requires immediate medical treatment.

There's no age limit when it comes to purchasing Single-Trip coverage. For Multi-Trip Annual Emergency Medical travel insurance, the limit is 79 years old or younger at the time of application.

We cover emergency medical expenses for pre-existing conditions that have been stable for a minimum of 180 days before travelling. Even if your doctor gives you the "all clear" to travel, your condition needs to meet our specific requirements. The specifics can be found in our policy wording.

Have more questions?

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Immigrants & Visitors Insurance

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