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If you are on a trip and need emergency medical assistance, please call Tour+Med Assistance.

It is only during an emergency situation that you can fully appreciate your travel insurance and the efficiency of the insurer’s customer service. Read a few Testimonials from satisfied customers!

Feel free to call our Claims department if you have any questions: 1-877-344-8398.

Thank you for your prompt handling of my request. It's very nice to see something go through so smoothly!

Select your situation:

I am covered by an individual protection, i wish to submit a claim for medical expenses.

Start a claim

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Trip Cancellation or Interruption Baggage and personal effects Accidental death and dismemberment

I am covered by a group plan

Trip Cancellation or Interruption, Baggage and personal effects

FAQs from travellers just like you

Why must i fill out the form about my government health insurance.

Your travel medical insurance reimburses expenses in excess of any coverage your Government Health Insurance provides. To save you time and procedures, we will ask for the refund, but we need your consent.

How long do I have to send back my completed claim form?

You have 90 days following your return to Canada to send us the completed claim form.

Head Office and Customer Service

247, boulevard Thibeau Trois-Rivières (Québec) G8T 6X9

Telephone, toll free:

1 877-344-8398

819-377-3587

Emergency medical assistance

A bilingual team available 24 / 7 anywhere around the world!

E.U. and Canada:

1 844 820-6588

1 888 820-6588

1 819 377-2241

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Assistance médicale d'urgence en voyage

Une équipe bilingue disponible 24 / 7 de partout dans le monde!

E.U. et Canada :

001 888 820-6588

Frais virés :

001 819 377-2241

A bilingual team available 24 / 7, anywhere around the world!

• Travel Insurance
• Tour+Med Travel Insurance Review [year]

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Tour+Med Travel Insurance Review 2024

Updated: Jan 3, 2024, 3:36pm

Tour+Med has a reputation for being popular amongst snowbirds, and for good reason. While its premiums are competitively priced across all age groups, it’s especially affordable for mature travellers. Tour+Med offers opportunities for savings, including several discounts and your choice of a traditional or hospital-care deductible. What’s more, travellers with pre-existing conditions have more than one option for coverage. However, Tour+Med’s medical coverage is leaner than other plans, with lower payouts and fewer benefits.

• Affordable premiums for mature travellers
• Coverage options for pre-existing conditions
• Several discounts
• Optional COVID-19 rider
• Lower payouts than other plans
• Fewer benefits than other plans
• No CFAR coverage
• No online quotes for age 80 or older

Table of Contents

About tour+med travel insurance, what travel insurance does tour+med offer, tour+med travel insurance plans, summary: plan comparison, tour+med travel insurance cost, comparing tour+med travel insurance with other insurers, optional add-ons for tour+med travel insurance, does tour+med travel insurance offer any discounts, does tour+med offer annual multi-trip plans, tour+med travel insurance 24/7 travel assistance, does tour+med travel insurance have cancel for any reason (cfar), does tour+med travel insurance have interruption for any reason (ifar), tour+med travel insurance and pre-existing medical conditions, tour+med travel insurance exclusions, tour+med travel insurance eligibility, how to file a claim with tour+med travel insurance.

Tour+Med has been offering affordable travel insurance since 1996. A privately held company headquartered in Trois-Rivières, Québec, Tour+Med focuses solely on travel insurance and emergency assistance, especially for snowbirds .

Tour+Med is underwritten by LS-Travel Insurance Company, a subsidiary of Humania Assurance Inc.

Featured Partner Offer

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On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

Here are the key types of travel insurance coverage offered in Tour+Med Travel Insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions cause a massive delay or you lose your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Trip interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short due to a covered reason, including non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• Accidental death or dismemberment. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip.

Tour+Med Travel Insurance offers three plans for travelling outside of Canada.

Per Trip Plan: This plan provides up to $5 million in coverage in the event of a medical emergency.

Emergency medical treatment includes:

• Hospital accommodation up to a semi-private room
• Incidental hospital expenses, such as telephone, parking, TV, up to $100
• Physician’s fees
• Private duty nursing, up to $10,000
• Medical appliances, including the purchase of splints, casts, crutches, canes, slings, trusses or orthopedic corsets, or for the rental or a walker or wheelchair
• Diagnostic tests and X-rays
• Prescription drugs, up to 30-day supply after the emergency (subject to a $5 USD copay)
• Paramedical services, such as care from a chiropractor, physiotherapist or podiatrist, 50% of the cost of services, up to $300
• Ambulance services and emergency air transportation
• Emergency dental due to a blow to the face (with exceptions), up to $1,000

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if a medical delay prevents you from returning home, repatriation expenses and return of your remains if you die. Tour+Med also offers an Emergency Round-Trip benefit that reimburses you for up to $1,500 for a flight home if a member of your family dies or becomes hospitalized or if your home or business becomes uninhabitable or unusable.

Trip Cancellation/Interruption: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have to cancel, interrupt, or delay your trip due to a covered reason. You must purchase this protection within 15 days of the first non-refundable deposit of your insured trip.

Non-Medical Package: This benefit includes trip cancellation and interruption insurance, coverage for baggage loss, damage and delay, as well as coverage in case of accidental death and dismemberment due to an accident during a flight, on your way to or from a flight, or during your trip.

Plans for Families: Tour+Med offers emergency medical coverage for up to two adults and four children on the same policy for either a single trip or multi-trip annual plan of eight, 15 or 30 days.

We’ve highlighted the key benefits of Tour+Med Insurance for the three single-trip plans to help you identify which coverage is the best fit for you.

The price of a Tour+Med Travel Insurance plan depends on factors such as the cost of your trip, your age, your answers to a medical questionnaire, if required, and the amount of coverage you choose.

Here are some examples of the cost for Tour+Med Travel Insurance single trip plans for healthy travellers based in Ontario assuming a $0 deductible. These quotes do not include the COVID-19 rider.

You can also choose a deductible, or the amount you pay out of pocket before your coverage kicks in, of between $250 and $10,000 to save between 5% and 35% off your premium. The deductible is applied on a per event basis, so if you claim more than once on the same policy, you will have to pay each time.

Tour+Med gives you the choice between a “traditional” deductible and a “hospital-care deductible.”

With a “traditional” deductible, you will be responsible for that amount regardless of where you are treated in a medical emergency.

With a “hospital-care deductible,” which is unique to Tour+Med, you only pay the deductible if you are treated in an emergency room, a hospital or hospital clinic, or if you are transported by land or air ambulance. If you are treated in a regular clinic, you do not need to pay the deductible.

Manulife Financial Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial Travel Insurance Review

• CAA Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% to 75% Baggage insurance (maximum): $1,500

Related: CAA Travel Insurance Review

TuGo Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: Yes, 50% Baggage insurance (maximum): $500

Related: TuGo Travel Insurance Review

Tour+Med offers a COVID-19 Rider on its travel medical insurance.

A standard medical insurance plan with Tour+Med has a medical exclusion if you travel to a destination for which the Government of Canada has issued a Level 3 (avoid non-essential travel) or Level 4 (avoid all travel) travel advisory before or after your departure. For example, if the government issues a travel advisory due to COVID-19 and you become ill with COVID-19 while on your trip, your medical insurance will not cover any treatment.

However, the COVID-19 Rider gives you the following coverage:

• Up to $5 million in medical coverage for a COVID-19 emergency, even if a Level 3 or Level 4 travel advisory is in place
• An automatic extension of your coverage up to 14 days if you test positive for COVID-19 while on your trip and you can not return on your scheduled date

Yes. Tour+Med offers the following discounts:

Early Bird discount: Earn a 5% discount if you purchase your travel medical insurance policy for a trip within a new sales season. The timing of the discount offer varies, but is typically between mid-July and mid-September.

2 Travellers discount: A 5% discount is immediately applied when two people travel together on the same insurance policy. You do not need to be related to be eligible for the discount.

Loyalty discount: A discount of between 2% and 5% is applied depending on the number of consecutive years you have purchased Tour+Med travel insurance.

Combined Protection discount: Earn a 5% discount when you purchase travel medical insurance and a non-medical insurance policy, such as trip cancellation and interruption insurance, at the same time for the same trip. To qualify, you need to have paid your first non-refundable deposit for your trip less than 15 days ago.

25% Deposit option: This option allows you to pay 25% of your premium at the time of purchase and pay the balance up to two weeks before your departure date, allowing you to lock in your rate and apply any early bird discounts. Your premium must be at least $400 and you must use a credit card to pay for your insurance policy.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. Tour+Med offers eight, 15 and 30-day annual plans for emergency medical coverage.

Using the example of the couple travelling to Italy for 21 days, here’s how the costs of the annual multi-trip plans compare (without the COVID-19 rider):

The Per Trip Plan 21 days provides coverage for one trip up to 21 days.

The Multi-Trip Annual Plan 8 days + Per Trip Plan 13 days provides coverage for this 21-day trip to Italy and any other trips of up to eight days or less that you make during the year.

The Multi-Trip Annual Plan 15 days + Per Trip Plan 6 days provides coverage for this 21-day trip to Italy and any other trips of up to 15 days or less that you make during the year.

The Multi-Trip Annual Plan 30 days provides coverage for this 21-day trip to Italy and any other trips of up to 30 days or less that you make during the year.

Worldwide emergency travel assistance is available 24/7 from anywhere in the world by calling Tour+Med Assistance toll-free.

When you have a travel emergency, depending on your coverage, the following support may be available:

• Coordinating your medical treatment and keeping your family informed
• Helping you to locate a physician, clinic or hospital
• Confirming your insurance coverage to the hospital or physician
• Guaranteeing or arranging payment to the hospital or physician wherever possible
• Arranging transportation of a family member to your bedside, when indicated by circumstances
• Arranging for your repatriation
• Help contacting your family, business partners or family physician
• Facilitating the delivery of urgent messages to family members
• Helping you find legal counsel in the event of a serious accident

You must contact the Assistance Centre before receiving medical treatment or your benefits may be denied or limited to 70% of eligible expenses to a maximum of $25,000.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

With a Tour+Med Travel Insurance policy, any pre-existing conditions must be stable and controlled for three months if you’re 69 or younger, or six months if you’re 70 or older.

According to Tour+Med, a medical condition is considered stable and controlled when all of the following are true:

• There has not been a diagnosis, any new treatment prescribed or recommended, or changes to existing treatment, including a stoppage.
• There has not been any change to any existing prescribed medication, including an increase, decrease or stoppage to prescribed dosage, or any recommendation or starting of a new prescription (with some exceptions).
• There has not been any new, more frequent or more severe symptoms.
• There has not been any hospitalization or referral to a specialist.
• There has not been any medical exam, investigative testing or test results showing deterioration.
• There has not been any treatment recommended, planned or not yet completed, nor any outstanding test results.

Tour+Med also offers a Reduced Stability Period option for travellers less than 86 years old with the following coverage:

• For travellers 69 years old and under: The stability period is reduced from three months to 30 days before departure.
• For travellers aged 70 to 85 years old: The stability period is reduced from six months to 30 days before departure for a specific condition.

The medical benefit is up to $5 million on the noted conditions.

Alternatively, if you have an unstable medical condition, you can elect to have that condition excluded by Tour+Med’s Optional Exclusion option, if you are between 60 and 85 years of age. This option allows you to exclude the organ or complete system that’s affected by a pre-existing condition in return for a lower premium. For example, if you have asthma that does not meet the “stable and controlled” stipulations, you can choose to have your asthma excluded, which would also exclude the entire respiratory system. That means if you were to get sick with bronchitis while travelling, that too would not be covered by insurance.

In addition to pre-existing condition exclusions, there are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim. The following are exclusions to coverages provided by Tour+Med Travel Insurance:

• Any treatment not authorized by Emergency Assistance or not considered an emergency, including (but not limited to) blood tests, observation, exploratory and/or investigative tests or exams, vaccines, elective treatment, preventative or experimental medication, cosmetic surgery, eye treatment, dermatological care, biopsies, etc.
• Any treatment that could wait until the policyholder returns home
• Any further treatment if it’s decided you should be transferred to another hospital or repatriated and you refuse
• The continued treatment once a medical emergency is deemed over
• Any treatment, surgery or palliative care not related to an emergency
• Any medical condition related to symptoms you ignored or did not follow prescribed treatment
• Any mental, psychiatric, psychological, psychotic or nervous medical condition, including depression, anxiety and insomnia
• Any costs related to replacing, repairing or adjusting any prosthesis, other than a knee or hip prosthesis
• Any treatment related to your chronic use or withdrawal from alcohol, drugs or other intoxicants
• Treatment of any sexually transmitted disease, AIDS or HIV
• Suicide, attempted suicide or self-inflicted injury
• Any costs related to prenatal or postnatal care, fertility treatments, abortion, pregnancy, childbirth or complications of either nine weeks before or after your expected due date, any child born on your trip
• Any accident or medical condition sustained while participating in professional or competitive sports, any race or speed contest, gliding, hang-gliding, rock climbing, mountain climbing with specialized equipment, mountaineering, spelunking, rafting, acrobatic skiing, snowboarding, kitesurfing, bungee jumping, parachuting and other aerial activities and underwater activities using a breathing apparatus (except snorkelling)
• Any activities requiring you to sign an accident waiver and release of liability form, or any behaviour involving risk
• Any claim related to civil unrest, war, intentional exposure to a peril, intent to commit or committing a criminal or illegal act, terrorism
• Any claim related to the reason for a level 3 or level 4 travel advisory (avoid non-essential travel or avoid all travel)
• Any medical condition occurring during frequent business trips or during a trip for a volunteer activity
• Any organ retrieval, donation and/or transplant and blood donation

It’s important to read the policy wording to be sure you know what is and is not covered by your insurance as there are additional exclusions depending on the coverage you purchase.

To be eligible for Tour+Med emergency medical travel insurance you must:

• Be a Canadian permanent resident
• Be eligible for benefits under your provincial or territorial government health plan (GHIP)
• Understand or speak either one of Canada’s official languages (English or French)
• Be age more than three months on the departure date for a single-trip plan, or
• Be aged between three months and 85 years on the effective date for the annual multi-trip plan

You can file a claim 24/7 by visiting the Tour+Med website where you can download the relevant claims form(s). You can also call a toll-free number for assistance.

You have 90 days after your return home to submit your completed claim form(s) and any required documents, including all original itemized bills.

For a trip cancellation and trip interruption claim, you may be asked to provide:

• An official contract stimulating the booking, cancellation and interruption conditions along with the corresponding penalties
• A medical document stating why travel was impossible, the diagnosis and dates of treatment
• Copy of death certificate
• Written evidence of the insured risk if cancellation. Interruption or delay is due to any reason other than sickness or injury
• Original unused tickets and copies of your reservations made with the travel supplier, including the penalties and reimbursements

If you are making a baggage claim, you may need to provide:

• A brief explanation of the incident leading to the loss, including a police or official report supporting the incident
• An itemized list detailing the value of all lost or stolen items, together with proof of ownership, including receipts, photos, credit card statements, owners manual, etc.
• Copy of airline tickets and itinerary confirming departure and return dates
• Adequate proof of home insurance coverage
• Any other documents as required

If you are making an accidental death and dismemberment claim, you may need to provide:

• Copy of flight itinerary and incident report from airline or airport
• Police report, including any witness statements
• Coroner’s report
• Medical or death certificate

Tour+Med Travel Insurance FAQs

Does tour+med travel insurance pay for medical costs upfront.

According to the company, “We have agreements with clinics and hospitals in many different countries, in order to facilitate payment of the medical expenses you could incur. But some establishments could, nonetheless, require that you pay a deposit or the full amount of your consultation or hospitalization. This is one of the many reasons why we ask that you call Emergency Assistance prior to heading anywhere; we will steer you towards the most appropriate establishment, depending on your situation.”

Does Tour+Med Travel Insurance offer coverage extensions?

Yes. Your coverage is automatically extended for up to 72 hours for a delay considered to be out of your control, such as an accident, vehicle breakdown, flight delay or hospitalization. If you are hospitalized, this 72-hour extension begins after you are released from care.

If you want to stay longer on your trip, you can extend your coverage if you contact Tour+Med during business hours before your policy expires. Any medical condition that you were treated for during the original policy period will be automatically excluded in the extension period. The insurer notes that it has the right to allow or deny extended coverage on a case-by-case basis.

Does Tour+Med Travel Insurance require a medical questionnaire?

Yes. Travellers aged 60 or over who are travelling for more than 15 days are required to complete a medical questionnaire.

Does Tour+Med Travel Insurance have any age restrictions?

Yes. You must be aged three months or more on the departure date for a single-trip plan, or be between three months of age and 85 years on the effective date for the annual multi-trip plan. In addition, online quotes are not available for travellers aged 80 and up, but you can call Tour+Med for assistance.

When does my coverage with Tour+Med Travel Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day you make a claim or leave on your trip. Your medical and interruption coverage, if purchased, begins when you leave home. Your delay coverage begins once an insured risk prevents you from returning home as scheduled.

Does Tour+Med Travel Insurance offer a free look period?

Yes. Tour+Med offers a 10-day “right to examine” period for its medical emergency travel insurance. During this time you can review the policy and its limitations and exclusions and if you are not satisfied, you can return your policy by registered mail and your payment will be fully refunded, as long as you have not left on your trip.

Can I get a refund with Tour+Med Travel Insurance?

You can request a refund if you do not leave on your trip under the following conditions:

• If you purchase a single-trip plan, you need to request your refund before your departure date, or it will be considered an early return request.
• If you purchase an annual multi-trip plan, there is no refund after the effective date of your policy.

If you return early from your trip, you can request a refund if no claim is either paid or pending. You must submit your request for a premium refund within 30 days of returning home. There is no administrative fee, but no refund will be issued for amounts due of less than $20.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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Emergency Medical Insurance (Single -Trip  and Multi-Trip)

Eligibility

For age 60+, you are NOT eligible for coverage under this policy if:

1. You have been diagnosed with a Terminal Illness;

2. You have ever undergone a major organ transplant (heart, lung, liver, kidney or pancreas);

3. You have cancer for which You had chemotherapy (of any form, except cream) in the 6 months before the Departure Date;

4. You have a Medical Condition that, in the 24 months before the Departure Date, has required home oxygen or dialysis.

5. You require assistance with any activities of daily living (eating, dressing, personal hygiene);

6. Your Physician has recommended that You do not travel.

Single-Trip Plan

Provides coverage for a single trip outside your province of residence or Canada. This plan can be purchased to top up your insurance with Tour+Med and with other insurance providers.

Annual Multi-Trip Plan

The Annual Plan provides coverage for multiple Trips outside Your province of residence for a duration not exceeding the maximal duration option chosen on the application during the 12-month Policy Period. Choose from 8, 15, 30 - day multi-trip annual plans.

Individual Trips must be separated by a return to Your province of residence. You are not required to provide advance notice of the departure and return date of each Trip; however, You will be required to provide proof of Your Departure Date when filing a claim (e.g. Airline ticket or customs /immigration stamp.

The Annual Plan also provides coverage for unlimited travel within Canada but outside Your province of residence. However, if You are traveling both in and out of Canada within the same Trip, this plan will provide coverage during the maximum duration option chosen, beginning on the day You leave Your province of residence.

You must meet the policy eligibility criteria in Your application on each Departure Date.

Traditional Deductible : The full amount of the deductible applies on a per Event basis.

Hospital Deductible : The full amount of the deductible applies as soon as an Event involves Your Hospitalization, visit to the emergency room of a Hospital, visit to internal or external Hospital clinic. The deductible also applies to land or air ambulance transportation.

You could choose to add a deductible of $250, $500, $1,000, $2,500, $5,000 or $10,000 in order to save between 5% and 35% on your premium. All deductibles are in Canadian dollars.

Family Plan

Can insure parents and up to 4 children on the same policy, for a single trip or on an annual basis. This plan is available for trips of 48 days and less, anywhere around the world. To be eligible, parents must be 59 years old or less, and children must be between 3 months and 21 years old on departure date, unmarried, and dependent of their parent for support.

Non-departure (Full Refund):

a) On a Single Trip Plan, the request must be received prior to the policy Departure Date, otherwise it will be considered and administered as an early return request.

b) On an Annual Plan the request must be received before the Effective Date.

Early return (Partial Refund for the number of unused days):

a) No claim is either paid or pending.

b) No expense has been incurred by the Insurer for an Emergency return of the Insured Person and/or his/her Travel Companion to their province of residence.

c) The Insurer must receive the request for refund and supporting documentation (exhibiting the Insured Person’s name, the date and the location of the transaction*) within 30 days of returning to his/her province of residence.

* ex.: credit card statement, credit card receipt, written confirmation obtained at the border, plane ticket or boarding pass.

Policy Extensions

To extend the policy period, you must contact the insurer, or your representative, at least 5 days prior to the expiration date written on your policy. You will have to pay for the additional premium, if applicable. No extension request can be permitted after the expiration date of the initial policy.

Any condition for which you received treatments in the initial portion of your policy will automatically be excluded, beginning on the first day of your extension.

The Insurer reserves the right to grant or deny an extension of coverage, on a case-by-case basis.

At the time the period of coverage ends, coverage will be automatically extended at no additional premium :

•   For up to 72 hours for a delay considered to be beyond the Insured Person's control (e.g. Accident, Vehicle breakdown).

•   For the remaining period of your hospital confinement plus 72 hours commencing upon your release from the hospital.

Summary of Emergency Medical Benefits

The overall amount of benefits payable is subject to a maximum of CAN $5,000,000 per Policy Period.

Emergency Round Trip Benefit

This benefit will reimburse the unexpected and eligible costs incurred for air transportation for the following emergencies:

• Death or Hospitalization for a minimum period of 7 consecutive days, of a member of Your Immediate Family;

• Damages that result in Your principal residence becoming uninhabitable or Your place of business unusable.

Upon receipt of a claim form and supporting documentation, the Insurer will reimburse reasonable and customary expenses for one economy class plane ticket to the Insured Person’s province of residence, up to a maximum of CAN $1,500 per Insured Person during the Policy Period.

You are not eligible for this benefit:

• If, during the 6 months prior to Your Departure Date, the member of Your Immediate Family has been hospitalized or has been in a nursing home intended for patients with limitations requiring ongoing medical assistance (like a residential and long-term care centre (LTCH/CHSLD)) or has been diagnosed with a Terminal illness; or

• If, on the Departure Date, You were aware of circumstances which could force Your return at an earlier date than that anticipated at time of purchase.

Exclusions and Limitations . Travel medical insurance does not cover everything. This insurance has exclusions, conditions and limitations. Please learn them and understand the policy before you buy this insurance.

Pre-Existing Medical Condition Exclusion

Any conditions or Changes in Your health (except Minor Ailments) that have not been Stable and Controlled for:

- a period of three (3) months before the Departure Date for an Insured Person aged 3 months to 69 years , and

- for a period of six (6) months before the Departure Date for an Insured Person aged 70 and over ,

unless specified otherwise in writing by the Insurer.

Exception: High blood pressure, diabetes, or cholesterol requires only 2 months of stability before the Departure Date.

“Stable and Controlled” means any medical condition (other than a Minor Ailment) for which all the following statements are true:

1. There has not been a new diagnosis, any new Treatment prescribed or recommended, or Change(s) to existing Treatment (including a stoppage in Treatment), and;

2. There has not been any Change to any existing prescribed Medication (including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription Medication

(Exceptions the routine adjustment of Coumadin, Warfarin or insulin and the change from a brand name Medication to a generic brand Medication of the same dosage) ; and

3. There has not been any new, more frequent or more severe Symptoms, and;

4. There has not been any Hospitalization or referral to a specialist, and

5. There has not been any medical exam, investigative testing or test results showing deterioration; and

6. There has not been any Treatment recommended, planned or not yet completed, nor any outstanding test results.

Reduced Stability Period Option (Optional Coverage, if available)

By paying an additional premium, you can choose to reduce the period of stability mentioned above  to 30 days for a specific medical condition identified on your policy application.

Optional Exclusion Option (Optional Coverage, if available)

In exchange for a lower premium, you can choose the Optional Exclusion Option for any of the medical conditions mentioned in Your Personalized Medical Declaration.

Some Other Exclusions

This policy does not pay for expenses incurred directly or indirectly as a result of:

● Any medical service, procedure or Treatment not authorized by the EMERGENCY ASSISTANCE, or not considered to be an Emergency as defined in this policy and by the Medical Director of the EMERGENCY ASSISTANCE.

This includes but is not limited to blood tests (i.e., Coumadin), observation, exploratory and/or investigative tests or exams, experimental drugs, vaccines or preventive medicines, elective Treatments, cosmetic surgeries, MRI, check-ups, ear cleaning, cardiac catheterization, angioplasty, colonoscopy, endoscopy, biopsy, cystoscopy, surgery, and insertion, removal or adjustment of implants .

● Any Medical Condition or Symptoms for which it is reasonable to believe or expect that Treatments will be required during Your Trip.

● Any mental, psychiatric, psychological, psychotic or nervous disorder, including depression, anxiety and insomnia.

● The purchase or renewal of any Medication prescribed before the Departure Date, as well as any over-the-counter Medication.

● Any Accident, Injury or Sickness sustained during a Trip related to a remunerated activity or volunteer activity, or occupational duty if such activity or duty requires that You spend more than 14 days outside Canada in a year.

● The reason for which the Government of Canada (www.travel.gc.ca) issues a travel advisory to avoid all travel or to avoid all non-essential travel to a country, region or city, if the advisory is in effect on Your Departure Date. If the advisory is issued after Your Departure Date, We will grant You a 10-day period following issuance of the advisory to come back to Your province of residence, before the present exclusion becomes effective. It is Your responsibility to verify the status of Your destinations.

  Please refer to the policy wording for full list of exclusions. If you need assistance, please Contact us .

NOTE: The product-related information is for illustration purpose only.

Please refer to the Policy Wording for details on the coverage provided, conditions, exclusion and claim procedure.

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Slope offering Krasnodar

Ski resorts with the best slope offering in the krasnodar krai as well as the best variety of slopes in the krasnodar krai., 2 test reports.

Best rating: 4 out of 5 stars

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Humania acquires Tour+Med

Humania Assurance  announced on Aug. 13 the acquisition of  Tour+Med . Humania says the deal will allow it to expand its presence in the travel insurance industry.

Tour+Med provides travel insurance products and has an administrative centre in Trois-Rivières, Quebec, and an assistance subsidiary in Florida, USA. The firm serves the needs of baby boomers and Canadian travellers who are declined coverage by other carriers due to age or pre-existing medical conditions.

"This acquisition promises a synergy increase," stated  Stéphane Rochon , President and Chief Executive Officer of Humania Assurance. "Our expertise in digital development, combined with Tour+Med's expertise in travel insurance, will allow us to enhance our service offer considerably, for both individuals and groups. Since the launch of our  cancer insurance 5575.ca , we wish to complement and increase our range of products offered to Canadian retirees, a market segment that surely needs it."

Tour+Med has collaborated with Humania for the past 10 years. "This is a natural and obvious transaction. Humania Assurance, our underwriter, has a long expertise in living benefits and they wanted to expand their activities, while we were looking for ways to accelerate our growth in Canada," stated  Pierre St-Onge , who remains a shareholder of Tour+Med and will continue to be in charge of its travel insurance sales and operations.

"This transaction will help us combine our respective distribution networks. We also plan on developing new solutions for all of the actors of this industry, such as firms and actuaries involved in the group insurance business. Although we play an important role in the Snowbird travel insurance business, we operate on many other sectors and Humania Assurance's upcoming input will accelerate our diversification," added St-Onge.

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Humania Assurance announces the acquisition of all Tour+Med assets and increases its presence in the travel insurance industry

Humania assurance is proud to announce the acquisition of all of tour+med’s assets. created by mr. daniel provencher in 1996, the company providing tour+med travel insurance products has an administrative centre in trois-rivières, quebec, and an assistance subsidiary in florida, usa..