In Canada, President’s Choice was probably first known for low cost food and housewares sold in Extra foods, Superstore, and others. Soon, the company branched out into banking as PC Financial and into selling insurance as PC Insurance.

PC Travel Insurance offers four single trip travel insurance policies:  the Single Trip Medical plan, the Single Trip Comprehensive plan, the Trip Cancellation and Baggage plan, and the PC Financial Travel Insurance To Go plan.

Note: Policy details may be slightly different for residents of Quebec or New Brunswick, or for policies that include Cuba.

Advantages

  • You don’t need to be a PC Financial customer to buy PC Insurance
  • Convenient, easy online quotes and purchase
  • Emergency medical insurance is available up to age 84
  • Some of the highest limits for emergency medical coverage in Canada (unlimited for those under 60, and $10 million for those age 60 or over)
  • You can earn PC points if you buy your PC® travel insurance or PC Financial® Travel Insurance To Go policy with a PC Financial® MasterCard®

Disadvantages

  • Comprehensive coverage and trip cancellation aren’t available if you’re over age 74, though you can get single trip emergency medical coverage up to age 84
  • You’ll need to fill out a medical questionnaire if you’re over 60
  • The Single Trip Comprehensive plan to Cuba does not include trip cancellation coverage for children under age 12
  • Does not provide coverage for pre-existing conditions
  • Policy wording is especially difficult to read

Single Trip Comprehensive Plan

PC Insurance offers a single trip comprehensive plan, which offers:

  • Unlimited emergency medical coverage if you’re under age 60, and $10 million if you’re age 60 or over
  • Trip cancellation, interruption and delay to a maximum of $12,000, or incurred expenses, whichever is less
  • Baggage and personal effects coverage up to $2,000 total for all insured people
  • Flight accident and travel accident insurance
  • You must by 74 years of age or younger
  • There’s a 183 day trip maximum if you’re 59 or under, and a 30 day maximum for those 60 to 74
  • Emergency air transportation back to Canada if recommend by your physician
  • Optional car rental collision, golf, skiing, business or special events coverage is available for an extra charge

Single Trip Medical Plan

PC Financial’s single trip medical plan only offers emergency medical insurance. This plan does not include trip cancellation, interruption, baggage and flight accident insurance. The single trip medical plan offers:

  • Unlimited emergency medical coverage for those under 60, and $10 million for those age 60 or over
  • Emergency air transportation back to Canada if recommend by your physician
  • You must be 84 years of age or younger
  • There’s a 365 day trip maximum if you’re 59 or younger, a 183 day maximum if you’re aged 60 to 74 (212 days in Ontario and Newfoundland), and a 183 day maximum if you’re 75 to 84

Trip Cancellation & Baggage Plan

PC Financial offers a simple trip cancellation and baggage plan, which offers:

  • Trip cancellation, interruption and trip delay ($12,000 total or the amount insured, whichever is less)
  • Baggage and personal effects coverage ($2,000 for all insured personal total)
  • Baggage delay ($400)
  • Accidental death and dismemberment
  • Optional rental car protection for an additional charge

PC Financial Travel Insurance To Go

You can buy PC Financial Travel Insurance To Go at select stores where President’s Choice products are sold, including  Real Canadian Superstore, YIG and No Frills.

The PC Financial Travel Insurance To Go policies only over $1 million in emergency medical coverage, and no trip cancellation, interruption or baggage insurance. However, a medical heath insurance questionnaire is not required. The maximum age is 74 years, and the maximum trip length, if you’re under 60 years of age, is 4,8, or 15 days. If you’re between 60 and 74 years old, you can get coverage for up to 8 days.

Important: You buy PC Financial Travel Insurance To Go in store, but you must activate by phone or online. You do not have coverage until you activate your policy!

Comparing PC Financial Travel Insurance Plans

PlansMedical Insurance CoverageDeductibleTrip CancellationTrip InterruptionBaggageMaximum age and trip lengths
Emergency MedicalFor people age 59 years or younger: unlimited

For people age 60 years or older: Up to $10 million
not specified59 years or younger: Up to 365 days

60 to 74 years: Up to 183 days (212 days in Ontario and Newfoundland)

75 to 84 years: Up to 183 days
ComprehensiveFor people age 59 years or younger: unlimited

For people age 60 years or older: Up to $10 million
not specifiedUp to the sum insured or $12,000, which is lesserUp to the sum insured or $12,000, which is lesserBaggage lost: Up to $2,000
Baggage delay: Up to $400
Maximum 74 years old

59 years or younger: Up to 183 days

60 to 74 years: Up to 30 days
Trip Cancellation & Baggage Plannot specifiedUp to the sum insured or $12,000, which is lesserUp to the sum insured or $12,000, which is lesserBaggage lost: Up to $2,000
Baggage delay: Up to $400
Maximum 84 years

59 years or younger: Up to 183 days

60 to 84 years: Up to 60 days
PC Financial® Travel To Go coverage1 millionnot specifiedMaximum 74 years old

Under 60 years: 4,8, or 15 days

60 to 74 years: Up to 8 days

Refunds

Refunds terms are fairly inflexible. From the single trip comprehensive policy: “Refunds are available if Your Trip is cancelled by the supplier prior to departure or if Your supplier ends the Trip earlier and You have a minimum three (3) unused days of coverage and You are given a full refund of the cost of Your pre-paid travel arrangements.

You can’t get a refund if a claim has been filed or completed.

There are no refunds available for the PC Financial Travel Insurance To Go policies.

You Need to Know

  • PC Financial’s travel medical insurance is administered by Travel Guard Group Canada Inc.
  • You must buy the PC Financial policy for the entire duration of your trip
  • You must be a Canadian resident, and have a Canadian government health insurance plan
  • You must buy insurance before you leave on your trip. World Nomads is the only insurance company we’ve found that will let you buy travel insurance after you’ve left on vacation.

How To Buy

You can get a quote and purchase online through PC Financial or by phone.

You can also purchase a PC Financial Travel Insurance To Go package at any store that sells PC financial products. You then activate the PC Financial Travel Insurance To Go online when you want to go.

Want to Compare PC Financial’s Rates?

The easiest way to compare Canadian travel insurance rates is to use a comparison website.

Comparison websites, like Kanetix.ca, let you compare quotes for travel insurance from several different companies at once. Type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice. Check out our review of Kanetix.ca.