Visitors to Canada Travel Insurance

The first step is to contact your advisor. If you are not satisfied with the information they provide, you can write to us. For more details, including contact information, please refer to our Complaint Handling and Dispute Resolution Policy.

This insurance can be useful for many people: 

• Tourists and visitors coming from other countries    

• People coming to work or study in Canada from other countries 

• Newcomers 

• Canadians returning home after a long absence and waiting to be eligible for Quebec’s public health insurance plan 

• People applying for a super visa

Everyone has access to the insurance products we offer on our website. You are warmly welcomed to request a quote for any of them that are of interest to you.

Naturally, we provide special benefits for CAA-Quebec members, such as discounts on various insurance premiums as well as preferential rates. Becoming a member to take advantage of these benefits could prove worthwhile for you. Feel free to discuss it with one of our advisors.

The coverage offered by the RAMQ (Régie de l’assurance maladie du Québec) when you travel outside Quebec is far from complete. In addition, the RAMQ doesn’t provide 24/7 assistance services if something goes wrong. 

Travelling outside Canada: The RAMQ will reimburse only a very small part of the medical expenses incurred abroad: $50 for a visit to a physician $100 per day of hospitalization. Many other fees aren’t covered at all, like prescription drugs, ambulance transport or repatriation, which can rapidly add up to a hefty bill.  

Travelling in Canada: The RAMQ will reimburse professional services only up to the rates in effect in Quebec, even if the insured person has paid more. If the service is more expensive than in Quebec, you will have to pay the difference. Furthermore, in the rest of Canada and abroad, prescription drugs, emergency dental care, ambulance transportation and repatriation costs are not covered. 

For further details, visit the Régie de l’assurance maladie du Québec website.

Just because you’re taking medication doesn’t necessarily mean your insurance coverage will be limited. As a general rule, if the medical conditions for which you’re taking medication have been stable during the 3 or 6 months prior to your departure, you shouldn’t have any problems. You should be able to buy Travel Insurance and even get coverage for these conditions. The stability period required in order for a condition to be covered varies according to the product underwritten. 

What’s essential is that you know which medications you’re taking and why. You must be able to provide this information accurately to your insurer when taking out Travel Insurance. A false statement or erroneous information can render your insurance contract null and void. 

If you’re unsure about the functions of your medication, talk to your pharmacist. Ask for a comprehensive list of your medications and the medical conditions to which they relate.

No. Significant limitations and even exclusions of coverage apply if the insurer finds there has been abuse of alcohol, drugs, or medication. For example, if you have an accident while under the influence of alcohol or drugs, you may not get any compensation.

Yes, your Visitors to Canada policy is fully refundable up to its effective date. If it was taken out as a condition for obtaining or maintaining a super visa, you’ll need to provide proof that it was refused: 

• Proof of your early return to your country of permanent residence, issued by Immigration, Refugees and Citizenship Canada, if the policy was taken out to obtain a super visa. 

To find out how to request a refund, see the form Early Return Refund Request