Insurance Programs for CARP Members

Plan Overview

Plan Details

Know The Facts

COVID-19 Coverage

Travel Protection You Can Trust

From The Leading Insurance Provider for Mature Canadians

We’ve Got You Covered: Whether you’re a snowbird flying south, looking forward to a winter get-away, or making a quick trip over the border, we’re here for your protection. Choose from multiple coverage options, including single and multi-trip emergency medical plans, in-Canada plans, personal underwriting and more.

Your Protection Is Our Priority: We offer 24/7 emergency assistance, a $10 million CAD policy limit, and dedicated case managers who answer your assistance calls and ensure you are receiving appropriate care. Plus StandbyMD medical concierge services provide you with telephone access to a qualified physician anywhere you travel.

Coverage for COVID-19: If you’re fully vaccinated and are visiting countries with Level 1 or 2 Travel Advisories, our single & multi-trip emergency medical plans cover expenses related to COVID-19.

Trusted Advice: Our licensed experts are qualified recommend the coverage that will best suit your needs, based on your health and travel plans. They can even assist with medical declarations.

GOVERNMENT OF CANADA UPDATES:

While travel is back, we’re still dealing with a global pandemic. We’ll help you stay safe by keeping you informed of your risks and testing requirements.

Official Global Travel Advisories & Advice »

View Important Plan Details »

Our Plans Will Fit Your Travel Plans

SINGLE-TRIP EMERGENCY MEDICAL

Coverage from 1 day to the maximum allowed under your provincial health insurance plan.

MULTI-TRIP EMERGENCY MEDICAL

Coverage for trips of 4, 10, 18, 30 and 60 days, travelling two or more times per year.
Top-ups and extensions are available.

IN-CANADA MEDICAL

Available as a single-trip plan only if you travel inside Canada for the entire duration of your trip. Call 1.877.851.4514 for complete details.

PERSONAL UNDERWRITING

Policies can be tailored to your medical situation.

ADDITIONAL OPTIONS

Non-medical, non-underwritten plans available.

Please review our Sample Policy Wordings and Rate Card for more information.

View Sample Policy Wordings »

Your Protection Is Our Priority

WORLDWIDE EMERGENCY ASSISTANCE

Available 24 hours a day, seven days a week.

Dedicated case managers answer your assistance calls and ensure appropriate care is being received, while medical staff interact directly with doctors at the hospitals our policyholders are attending.

$10 MILLION CANADIAN POLICY MAXIMUM

Review our sample policy wordings for details.

STANDBYMD MEDICAL CONCIERGE

Provides telephone access to a qualified physician anywhere you travel, with additional services offered in the United States.

TRIP BREAK OPTION

If a change in plans means a return to Canada but you have coverage remaining, you can resume your trip without a new policy.

Please review our Sample Policy Wordings for more information.

Planning To Travel Inside Canada?

YOU SHOULD HAVE TRAVEL INSURANCE

Government health insurance plans do NOT cover all of the medical expenses you may incur while travelling in Canada. The reciprocal agreement for services between the provinces and territories is only equal to the coverage provided in your home province or territory. And it differs across Canada.

Outside your home province, some plans will not cover prescription drugs, ambulances, specialists, emergency dental or x-rays. There are exclusions for all non-medical expenses, including travel expenses associated with trip interruption.

Travelling inside Canada without insurance is not as financially risky as venturing out-of-country without coverage, but your incurred costs could be substantial. Just an air ambulance back to your home province can cost you as much as $20,000.

To learn what may not be paid for outside your home province or territory, Click Here.

IN-CANADA EMERGENCY MEDICAL PLANS

Call 1.877.851.4514 for details.

Travel Insurance Plans
for CARP Members