Tour+Med Travel Insurance has been selling travel insurance products to Canadian residents since 1996. Their insurance plans are underwritten by LS-Travel. Their head office is based in Québec.
Advantages
- High maximum age cap, so even older clients are eligible, provided they meet health minimums.
- No medical questionnaire for those under 59.
- Can add on extra days while travelling up to five days before the current plan expires, provided health status is unchanged.
- Unique to Tour+Med: they have two deductible options. One works like a typical insurance deductible. The other, you do not have to pay the deductible if you are treated in a hospital or hospital clinic.
- Tour+Med gives discounts for combined plans, early bird purchases and multi-person purchases.
Disadvantages
- No plans for students, expats, Visitors to Canada or the Super Visa.
- The maximum single-trip length for NB, QC and SK is 183 days.
- You cannot purchase non-medical insurance online unless combined with travel medical insurance.
Tour+Med Travel Insurance Plans
Tour+Med offers medical and non-medical packages, including:
- Per Trip Plan
- Multi-Trip Annual Plan
- Per Trip or Multi-Trip Annual Plan for Families
- Trip Cancellation & Interruption Plan
Tour+Med Per Trip Plan
Tour+Med’s Per Trip Plan provides coverage for individuals in the event of a medical emergency while on a single trip outside of your Canadian province. It can be purchased as a single trip or as a top-up policy for existing insurance.
This policy provides up to $5 million of emergency medical coverage, including hospitalization, diagnostic fees, repatriation, and more.
You have the option to select a traditional or hospital care deductible. Traditional means you would be responsible for the first dollars of your claim, no matter where you are being treated. Hospital care applies only if you are being treated in a hospital or hospital clinic. If your condition can be treated in a private clinic, you won’t have to pay the deductible amount.
Travellers over the age of 60 and travelling for more than 15 days must answer a medical questionnaire.
Tour+Med Multi-Trip Annual Plan
The Multi-Trip Annual Plan provides emergency medical coverage for individuals travelling on multiple trips within a year.
Emergency medical coverage is up to $5 million, including hospitalization, diagnostic fees, repatriation, and more. This plan has a maximum amount of days of coverage: 183 or 212 days, depending on your province or territory of residence.
You can choose to take trips of up to 8, 15 or 30 days per trip. The 30-day plan is only available to applicants under the age of 80. If you are travelling in Canada, annual plans provide an unlimited trip length.
This plan is available up to the age of 85 years old. Applicants older than age 60 must complete a medical questionnaire to purchase the policy.
Tour+Med Per Trip or Multi-Trip Annual Plan for Families
Families can select either a Per Trip Plan or Multi-Trip Annual Plan, providing emergency medical coverage for up to 2 adults and 4 children on the same policy.
Both plans cover up to $5 million in the event of a medical emergency. Multi-trip plans allow trips up to 8, 15, or 30 days. The Per Trip plan has a maximum amount of 183 or 212 days, depending on your province or territory of residence.
To be eligible for a family plan, one adult must be 59 or younger, and children must be between 3 months and 21 years old, unmarried and dependant on their parent for support.
Tour+Med Trip Cancellation & Interruption Plan
The Trip Cancellation and Interruption Plan provides up to $25,000 coverage.
This plan comes with the option to purchase baggage up to $1,500 and accidental death and dismemberment coverage up to $100,000 as a bonus. Neither can be purchased as a stand-alone plan. This plan also comes with an optional add-on: Cancel For Any Reason.
This plan is available up to 90 years old. You cannot purchase non-medical protections online. They must be combined with travel medical insurance. If you want to purchase the Trip Cancellation & Interruption Plan without medical insurance, you must contact your broker or a sales representative (only available in some provinces).
You Need to Know
- Coverage allows for trips up to 183 days in NB, QC, SK and 212 days in AB, BC, MB and ON.
- You can get a reduced premium in return for an exclusion on a given body system or organ
- You can pay 25% of the premium at the purchase date, then pay the rest 2 weeks before departure.
- You get a discount of 5% when you purchase medical and non-medical insurance together.
Where to learn more about Tour+Med travel insurance
You can learn more about their travel insurance by visiting Tour+Med’s website. You can also call +1 877 344-8398.
Want to Compare Rates?
The easiest way to compare Canadian travel insurance rates is to use a comparison website.
Comparison websites, like BestQuote Travel Insurance, let you learn more compare quotes for travel insurance from several different companies at once. You type in a few details about your trip, and compare policy coverage and prices to help narrow down your choice.