Leaving Canada

Your provincial plan stays home. Your coverage shouldn't.

Provincial health plans pay only a small part of medical costs outside your province. Cover the gap with up to $5 million in emergency medical — and protect what you've prepaid for your trip.

Get a quote →Compare the plans
Up to $5M emergency medicalSingle trip or annualTop up work or credit-card coverage24/7 assistance

Choose your plan

Pick the plan that fits your trip.

Most insurers offer plans like these. Our examples use TuGo's plan names and prices; GMS has similar options.

Emergency medical
$55example, 14 days

Medical only

  • Up to $5 million for emergency hospital and medical care
  • Choose a plan with or without US travel
  • Add Top-Up or Sports & Activities right on the plan
  • Best if your flights and hotels are refundable
Most complete
$298example, $3,000 trip

All Inclusive Package

  • Emergency medical plus trip cancellation and interruption
  • Protects the prepaid cost of your trip
  • Can add Cancel for Any Reason
  • Best for a big trip you've paid for up front
Already have medical
$191example, $3,000 trip

Non-Medical Package

  • Trip cancellation, interruption and more — no medical
  • For when work or a credit card already covers your medical
  • Can add Cancel for Any Reason
Travel often
+$90to upgrade, in this example

Multi Trip Annual

  • One policy for every trip you take in a year
  • Each trip covered up to the length you choose
  • Shown as an upgrade right on the quote screen

Example prices are real TuGo quotes from October 2026 for one traveller, age 46, flying BC → France for 14 days with a $3,000 trip. Your price depends on your age, destination, trip length and options.

What's included

What emergency medical covers.

Emergency hospital stays and treatment while you're outside your home province — the bills your provincial plan won't pay.

$5MMaximum coverage
24/7Assistance
30 daysQuotes are saved
  • Emergency hospital stays and medical treatment
  • Licensed ambulance
  • Emergency dental
  • Prescription drug reimbursement
  • Emergency medical transport home
  • Family transportation to be with you
  • Out-of-pocket expenses while you're in hospital
  • Unexpected birth of a child
  • COVID-19, when you follow federal travel vaccine rules
  • Coverage within Canada when you're outside your home province

Worth adding when you quote

Make the plan fit your trip.

These show up as checkboxes and options on the quote screen. Here's when each one is worth it.

Look for these on the quote screen. They're easy to skip past — pick the ones that match what you'll actually be doing.
Add-on

Cancel for Any Reason

Get back up to 50% of your non-refundable prepaid costs if you cancel for a reason that isn't otherwise covered. Needs a plan with trip cancellation.

Add-on

Top-Up

Work or credit-card coverage too short for your trip? A top-up plan covers the days after your other plan ends. Not every insurer offers one; TuGo does.

Add-on

Sports & Activities

Most activities are already covered. Add this for higher-risk ones like backcountry skiing, scuba below 40 m or white-water Class VI.

Add-on

Baggage

Covers your belongings if they're lost, stolen or damaged — in transit, at your hotel or along the way.

Add-on

Rental car protection

Covers damage to or loss of a rental car, so you may not need the rental counter's daily coverage.

Plan option

Trip interruption

Already paid for your trip and can't cancel it anyway? Interruption alone covers you if you have to cut it short.

Before you buy

Before you buy.

A few things to have straight before you quote.

Travelling through or to the US? Answer 'Yes' to the US question on the quote form — plans that exclude the US are cheaper but won't cover you there.
  1. You're a Canadian resident covered by your provincial or territorial health plan for your whole trip.
  2. You're not travelling against a doctor's advice.
  3. Any medical conditions you have meet the stability rules for your age — the quote asks, and your policy wording lists them.

Your quote, step by step

Every screen you'll see, in order.

The quote forms at GMS and TuGo ask much the same things, in about this order. Here's what to choose.

  1. 1

    Trip details

    Your province, destination, departure and return dates, birthdate and total trip cost. Going to or through the US? Answer Yes to the US question.

  2. 2

    Single trip or annual

    Single Trip covers this trip. Multi Trip Annual covers every trip for a year, each up to the length you pick. The annual upgrade price shows right on the screen.

  3. 3

    Pick your plan

    Emergency Medical (Excluding USA or Worldwide), the All Inclusive Holiday Package, or the Non-Medical Package. Use the plan cards above to decide.

  4. 4

    Tick what applies on the plan

    Top-Up if work or credit-card coverage covers the first part of your trip. Sports & Activities if you'll do something higher-risk — type the activity, pick it, tick each traveller.

  5. 5

    Medical questions (age 60+)

    Travellers 60 and over answer a medical questionnaire before a price appears. Answer carefully — an inaccurate answer means a US$15,000 deductible on any claim.

  6. 6

    Extras, review and pay

    Add Cancel for Any Reason, baggage, rental car or trip interruption. Check names, birthdates and dates, then pay. Quotes are saved for 30 days.

    Tip: Prepaid a lot? Add trip cancellation when you book — not the week before you leave.

Start my quote →

What happens after you buy

One email. Everything you need.

Minutes after you pay, your insurer emails your policy. Here's what you'll get, and what to do with it.

Policy confirmation

Your policy number, dates, who's covered, the plan and options you chose, and what you paid. Keep it; it's also your receipt.

Wallet card

Your insurer's 24/7 emergency number and policy number. Save it to your phone before you leave.

Policy Wording

The full contract. Read it before you travel — especially the exclusions and the pre-existing condition rules.

Included free

  • An online account to change, extend or claim
  • 24/7 emergency assistance
  • Extras vary by insurer: TuGo adds an eSIM and flight-delay perks

Short free-look period. Change your mind? Most insurers refund in full if you cancel soon after buying (often 10 days), as long as you haven't travelled or claimed.

Save the emergency number now. It's on your wallet card. Call before you're treated whenever you can.

Check every detail. Names, birthdates and dates must be right. Call your insurer (numbers in our footer) if anything needs fixing.

Good to know

Common questions

Do I need travel insurance for trips inside Canada?
Often, yes. Your provincial plan doesn't cover everything in another province — things like ambulance and some hospital costs. Travel medical plans can cover you outside your home province, in Canada too. Check the plan wording.
My credit card includes travel insurance. Is that enough?
Check how many days it covers and the age limits. Many cards cover only a short trip. If yours runs out before you come home, add a Top-Up for the remaining days.
What's Cancel for Any Reason, exactly?
An add-on to trip cancellation coverage. If you cancel for a reason that isn't already a covered risk, you can get back up to 50% of your non-refundable prepaid costs, or up to your chosen sum insured — whichever is less.
I work remotely and travel for months. What should I buy?
Pick Worldwide if you'll set foot in the US, and add Sports & Activities for anything higher-risk. For several trips a year, compare Multi Trip Annual. Most importantly, your provincial health plan must stay active the whole time — most provinces limit how long you can be away each year, so check yours before a long stretch abroad.
Single trip or annual — which should I choose?
If you'll take more than one or two trips this year, compare the annual upgrade shown on the quote screen. One policy covers each trip up to the length you choose.
What do I do in an emergency?
Call your insurer's 24/7 assistance line first. It's on your wallet card or policy. They'll guide you to the right care and tell you what to do next. All three numbers are in our footer.

Researched. Proven. Trusted.

Going somewhere good?

Pick GMS or TuGo and get your price in a few minutes on its secure site. Questions first? Ask us.

Get a quote →or email travel@oceansun.ca