| - Outbound Canadians
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- We've got a travel insurance plan that will suit your needs because we work with more than one company. At present, we represent 11 companies so we have more to offer you.
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- Single or Family
- Groups
- Snowbirds
- Competitive Sports, Group Sports Teams
- Canadian Students in Foreign Countries
- Canadian Expatriates living & working in other countries
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- Single or Family
- Whether you're traveling alone or with family members, we have coverage for you. Most of our companies have preferred pricing when families travel together, for instance, parent(s) with children under the ages of 18-21, depending on the insurer.
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- Groups
- Several of our travel insurance providers will waive minimum per person costs if a group of 15 or more are traveling together to the same destination. Call us for a quote.
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- Snowbirds
- Competitive rates, especially for healthy travelers are available from several companies. Travel health insurance is designed to cover sudden and unforeseeable medical circumstances while traveling out of province. Any NEW sickness or injury is automatically covered, however, coverage for pre-existing medical conditions may require special underwriting based on your medical history. If you have medical conditions that concern you, a questionnaire can be completed for special consideration by our insurance providers. An answer will be provided in writing, which will offer coverage at a special rate and/or exclude certain conditions or decline to cover entirely.
see "Early Birds" article see "Pre-existing Conditions" article see "Symptoms Count" article - Return to Top
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- Competitive Sports, Group Sports Teams
- Some of our companies will provide special rates for certain competitive sporting activities. Others will provide group sports coverage with reduced minimum prices for the team. Please note that certain types of sporting activities are excluded due to their dangerous nature. Contact us regarding details.
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- Canadian Students in Foreign Countries
- A study term outside of Ontario can be an exciting and happy time. It can also be very stressful if you experience an unexpected emergency while away from home. Hospital rates outside Canada have become very expensive in some metropolitan areas and Ontario Health only pays a small portion of these costs. This plan covers Emergency Health Insurance for Canadian students attending foreign institutes of learning.
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- Canadian Expatriates living and working in other countries.
- When preparing for your time abroad, there are many issues to consider. A complete health insurance plan is no longer a luxury, but a necessity. You need coverage you can count on with a company that will allow you to consult in your foreign country of residence even after the ‘emergency’ portion of your condition is over. You need a company that will understand medical care and practices worldwide. You need to have medical transportation to the nearest center of medical excellence in an emergency. ‘VIATOR’ has a plan that provides these benefits and has coverage of $1,000,000 per person, per sickness or injury.
see "Expatriates" article - Return to Top
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| What is the most common reason that claims are delayed? Missing information from the insured, such as proof of travel dates, claim form unsigned, OHIP number. Claims can be further delayed if more medical information is requested from the provider or family doctor.
What do people break most on holiday? Their wrists
What ailment / injury causes the most claims? Cardiac and Gastroenteritis
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