Travel Insurance for people (Canadians, Permanent Residents, and internationals with temporary resident status) with coverage under a Provincial / Territorial health plan
Unexpected sickness or accidental injury can happen at any time. Charges for hospital stays can be thousands of dollars per day, not including doctors' fees and diagnostic services.
Given the very limited coverage offered by provincial / territorial plans for out of country claims, an unexpected emergency can amount to a devastating financial loss. Other mishaps like replacing lost or stolen baggage, or buying a one-way ticket because of a missed return date, can ruin your holiday.
There are a number of variables to consider when selecting a travel insurance product which include:
- your age
- your medical history
- the length of your trip
- your destination(s) and itinerary
- whether you have left Canada already or not
- the purpose for your travel
- how many are travelling together
and last but not least, - the price
We encourage you to contact our office to ensure you are applying for the most appropriate plan. Also, please contact us for information about Trip Cancellation Insurance and All-Inclusive Travel Plans.
Coverage Options
The coverage options found below are all for Excess Hospital & Medical plans designed to supplement a Canadian Provincial / Territorial Health Insurance Plan.
The TIC Travel Insurance Plans are those we recommend most often to people travelling out of province and/or outside Canada.
- Summary Brochure of Plans (with Rates) (
PDF, 195 KB ) - Application Form (PDF, 47 KB )
- Policy Wording for all plans (PDF, 127 KB )
™ The following are trademarks of Expert Travel Financial Security (E.T.F.S.) Inc.: the etfs logo and Travel & Healthcare Solutions.
For travellers who are concerned about covering one or more stable pre-existing medical conditions we recommend the ETFS Medi-Select Advantage Plans. This recommendation especially applies to people travelling for more than 35 days or who are over age 70.
- Summary Brochure of Plans (PDF, 892 KB )
- Application Form for ages 55+ (PDF, 76 KB )
- Application Form for ages 54 & under (PDF, 149 KB )
- Rate Sheet (PDF, 151 KB )
- Policy Wording (PDF, 451 KB )
How to Apply for Coverage
- fax your application with credit card payment information to 604.228.9807
or - mail your application with your credit card payment information or a CAD cheque or money order payable to David Cummings Insurance Services
- TIC travel plans which do not require medical underwriting may be purchased over the phone with a credit card payment by calling us at 604.228.8816 or toll free in Canada and U.S.A. at 1.800.818.3188
