Choose one of the plans below:
Single Trip Emergency Medical Insurance
Canadians benefit from free healthcare within their home province, but covering healthcare costs can become challenging when they travel outside their province or abroad. In these situations, medical expenses can quickly add up, making it important to secure appropriate travel medical insurance. At Danforth Insurance, our goal is to provide affordable travel insurance for Canadians, offering comprehensive coverage benefits that address both the medical and financial needs of our clients. We aim to give our clients peace of mind while traveling, knowing they’re covered for any unexpected medical expenses. We offer Single trip emergency medical insurance from Manulife with coverage up to $10 million. For further details please review policy wording
Benefits Summary
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Benefit |
Details |
| Pre-existing conditions coverage |
Exclusions to the coverage of pre-existing conditions apply. See further details in the policy wording. |
| Hospital accommodation |
Reasonable and customary expenses for the semi-private room |
| Prescription drugs |
Covers prescribed drugs if required for the emergency medical treatment |
| Follow-up visits |
Travel insurance covers claims arising from sudden and unexpected situations (i.e., accidents and emergencies) and typically not follow-up or recurrent visits |
| Private duty nurse |
Reasonable and customary expenses for licensed private duty nurse while your stay in hospital |
| Ground or air transportation |
Reasonable and customary charges for a local licensed ambulance service |
| Accidental dental |
Conditions apply. See further details in the policy wording. |
| Laboratory tests & diagnostic services |
Lab and diagnostics services for emergency medical treatment are covered ONLY if pre-approved by the assistance center. In the event of an emergency you or someone on your behalf call the Assistance Centre immediately before taking emergency medical treatment. |
| Medical Appliances |
The lesser cost to rent or purchase a wheelchair, hospital bed, brace, crutch, and other medical appliances |
| Health professional services |
Up to $70 per visit to a combined maximum of $700 for services by a licensed chiropractor, osteopath, physiotherapist, chiropodist, or podiatrist |
| Return of deceased/ Cremation or burial |
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| Transportation to bedside |
In case you are hospitalized for 3 or more days and travelling alone then we cover the following to bring someone to your bedside:
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| Out-of-pocket expenses |
When you are hospitalized for 48 hours or more, out-of-pocket expenses are reimbursed such as phone calls, TV rental, and parking fees. We pay up to $50 per day to a maximum of $500. You must provide original receipts for all expenses. |
| Automatic extensions |
Coverage is automatically extended if:
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| Policy cancellation/ Refund |
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* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your travel. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review emergency medical insurance in policy wording.
Emergency Medical and Trip Cancellation
We understand that many Canadians prefer to purchase a comprehensive package plan that combines both trip cancellation insurance and travel medical insurance, allowing them to fully enjoy their trips around the world with peace of mind and enhanced protection. Therefore in collaboration with 21st Century travel insurance underwritten by Manulife we offer all-inclusive package tour (Plan E) as well as separate plans (Plan A, Plan B, and Plan C). These are the travel insurance Canada plans with a wide range of benefits such as coverage for trip cancellation, trip interruption, misconnection, delayed return, emergency medical assistance, baggage loss, and travel and flight accidents. With the flexibility to choose between our package tour or separate plans, you can tailor your coverage to suit your travel needs and budget. Following are some key features of these plans. For further details please review policy wording.
Benefits Summary
Paclage Tour – Plan E
Package Tour includes (per insured):
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Trip Cancellation: covers up to the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and unlimited After Departure coverage.
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Up to $5,000,000 Emergency Medical coverage. (learn more)
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Up to $1,000 Baggage Loss or Damage.
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Up to $500 Baggage Delay.
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Up to $100 Lost or stolen passport, driver’s license, birth certificate or travel visa.
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Up to $50,000 Travel Accident.
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Up to $100,000 Flight Accident.
Covered amount prior to departure: This amount is provided by you (insurance buyer) that he/she wants to be covered prior to departure. For example, you purchased air ticket of $2,000 and want $2,000 to be covered in case of trip cancellation prior to your departure.
Note: In case of trip cancellation this plan covers up to the covered amount for unused travel travel arrangements paid for prior to departure, that are non-refundable & non-transferable to another travel date. (conditions apply *)
Separate Plans
Plan A – Trip cancelation, interruption, misconnection and delayed return coverage plan
Trip cancellation coverage starts at the time of policy purchased and trip interruption, misconnection & delayed return coverage starts on effective date of policy. There are three options available in Plan A for your convenience:
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Plan A – “$800 AD (After Departure)”: covering the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and $800 AFTER departure.
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Plan A – “$1500 AD (After Departure)”: covering the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and $1500 AFTER departure.
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Plan A – “Unlimited AD (After Departure)”: covering the Covered Amount PRIOR to departure (as provided by you at the time of purchasing plan) and unlimited coverage AFTER departure.
Covered amount prior to departure: This amount is provided by you (insurance buyer) that he/she wants to be covered prior to departure. For example, you purchased air ticket of $2,000 and want $2,000 to be covered in case of trip cancellation prior to your departure.
Note: In case of trip cancellation Plan A covers up to the covered amount for unused travel travel arrangements paid for prior to departure, that are non-refundable & non-transferable to another travel date. (conditions apply *)
* We provide insurance plans to cover trip cancellation, interruption, misconnection and delayed return plans with certain benefits for Canadian residents but all these plans have some limitations, exclusions, conditions, and other terms that may limit the reimbursement to which you are entitled. Please review these policy wordings for further details:
Plan B – Emergency medical coverage plan
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Emergency medical plan covers you for the actual expenses incurred by you up to a maximum of $5,000,000 as a result of medical emergency during your trip only if these expenses are not covered under government health coverage or any other benefit plan.
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Three types of medical insurance rates are available Basic, Preferred and Standard.
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Basic: Coverage is for person under age 60 travelling for any period or age 60 to 74 travelling 30 days or less and no medical questionnaire is required.
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Preferred & Standard: For the ages above 60 years travelling for more than 30 days.
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Following is the list of medical benefits under emergency medical plan provided by Plan B and Plan E:
| Benefits | Details | Plan B | Plan E |
|---|---|---|---|
| Emergency medical treatment | Emergency medical treatment received from a physician (or dentist in case of dental emergency) in or out of hospital. | Covered (In case of emergency MUST call the Assistance centre immediately **) | Covered (In case of emergency MUST call the Assistance centre immediately **) |
| Hospital stay | Semi-private hospital room (or intensive care unit) when necessary | Covered (conditions apply **) | Covered (conditions apply **) |
| Medical care | Services of licensed private duty nurse while your stay in hospital in case of medical emergency. | Covered (conditions apply **) | Covered (conditions apply **) |
| Medical appliances | Rental or purchase (whichever is less) of a hospital bed, wheelchair, brace, crutch or other medical appliance when necessary | Covered (conditions apply **) | Covered (conditions apply **) |
| Medical tests | Tests needed to diagnose medical condition. All medical procedures and/or tests (e.g., MRI, MRCP, CAT Scan, CT Angiogram, Nuclear Stress Test, Angiogram or Cardiac Catheterization or any surgery) if approved. | Covered (All these procedures MUST be authorized by the Assistance Centre in advance **) | Covered (All these procedures MUST be authorized by the Assistance Centre in advance **) |
| Prescribed medication | Drugs that are prescribed for you and are available only by prescription from a physician or dentist. | Covered (conditions apply **) | Covered (conditions apply **) |
| Professional services | Care received from a licensed chiropractor, osteopath, physiotherapist, chiropodist or podiatrist. | Covered (up to $300 by profession) | Covered (up to $300 by profession) |
| Emergency ground transport | Licensed ambulance service | Covered (conditions apply **) | Covered (conditions apply **) |
| Emergency air transport | If approved or medical required we will pay for:
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Covered only if in case of medical emergency your treating physician or our medical advisors recommend you to return home. | Covered only if in case of medical emergency your treating physician or our medical advisors recommend you to return home. |
| Dental pain relief | In case of dental emergency we cover treatment for dental pain. | Covered. Up to $300 coverage for the dental pain relief. | Covered. Up to $300 coverage for the dental pain relief. |
| Extra expenses | If medical emergency prevents you to return home or forces you to stay at location other than destination you originally planned we provide some coverage for your meals, hotel, phone calls and taxi. | We reimburse up to $150 per day to a maximum of $1,500. | We reimburse up to $300 per day to a maximum of $3,000. |
** Above is the list of main benefits provided by our emergency medical plans B and E. Both emergency medical insurance plans provide certain benefits for Canadian residents but all benefits have some limitations, exclusions, conditions, and other terms that may limit the reimbursement to which you are entitled. Please review these policy wordings for further details:
Plan C – Baggage loss, flight and travel accident plan (can be purchased with Plan A or B)
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Coverage per insured includes:
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Up to $1,000 Baggage Loss or Damage.
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Up to $500 Baggage Delay.
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Up to $100 Lost or stolen passport, driver’s license, birth certificate or travel visa.
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Up to $50,000 Travel Accident.
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Up to $100,000 Flight Accident.
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Please review the policy wording for further details.