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  • Emergency Sickness & Injury
  • Hospitalization
  • Ambulance
  • Repatriation
  • Trip cancellation
  • Trip interruption
  • Baggage loss
  • AD&D
  • Emergency medical
  • Trip cancellation
  • Baggage loss

Emergency Medical ONLY Insurance

We offer RIMI Canuck Voyage Travel Medical Insurance for Canadians travelling abroad or to other province in Canada. Following are key features of medical travel insurance to ensure your peace of mind while travelling. For further details please review policy wording.
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Benefits Summary

Benefit Details
Pre-existing conditions
  • Age 59 and under, trips of 35 days or less: 30 day stability period
  • Age 59 and under, trips over 35 days: 90 day stability period
  • Age 60–74, any trip length: 90 day stability period
  • Age 75–79, any trip length: 180 day stability period
Eligible medical expenses Emergency medical treatment for unforeseen sickness or injury
Hospital accomodation Reasonable and customary costs up to a semi-private room
Medical services Licensed physician, surgeon, anesthetist and registered graduate nurse
Diagnostic services X-rays and laboratory services
Prescriptions 30-day supply (limit does not apply when hospitalized)
Paramedical services Up to $500 per insured person per profession: Acupuncturist, chiropodist, chiropractor, optometrist, physiotherapist, podiatrist or osteopath
Dental accident Up to $5,000
Dental pain Up to $500
Medical appliances Crutches, casts, splints, canes, slings, trusses, braces, walkers and/or the temporary rental of a hospital type bed, wheelchair etc.
Ambulance services Reasonable & customary expenses
Transportation to bedside Round-trip economy airfare plus up to $150 per day to a maximum of $1,500 each for the cost of meals and commercial accommodation
Meals and Accomodation $150 per day up to $3,000
Emergency air transportation Up to $250,000
Repartation of remains Up to $15,000
Pet return Up to $500
Minimum premium $20
Refunds Proated, partial refund for early return or cancelation after effective date—$25 administration fee applies to all partial refunds—must have no claims Full refund prior to effective date

* 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.

Trip Cancellation ONLY Insurance

We offer RIMI Canuck Voyage Non-medical plan for Canadians travelling abroad or to other province of Canada.  Canuck Voyage Non-medical insurance is trip cancellation insurance to cover trip cancellation & interruption, baggage, and Accidental Death & Dismemberment.. Following are the key benefits of Canuck Voyage Non-medical plan. For further details please review policy wording.

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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 trip cancellation (non-medical) insurance in policy wording.

Emergency Medical and Trip Cancellation

We offer travel insurance Canada products for emergency medical and trip cancellation insurance from 21st Century travel insurance underwritten by Manulife.  All-inclusive Package Tour (Plan E) or separate plans (Plan A, Plan B, and Plan C) are the travel medical insurance plans available with wide range of benefits such as 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.

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Cost-effective package Tour (Plan E) to provide a comprehensive coverage related to both emergency medical and trip issues.
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Emergency medical coverage for stable pre-existing medical conditions.
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Policy cancellation - If you have not left home and purchased Plan B and/or Plan C.
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Benefits Summary

Paclage Tour – Plan E

Package Tour includes (per insured):​

  • 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. 

  • Up to $5,000,000 Emergency Medical coverage. (learn more)

  • Up to $1,000 Baggage Loss or Damage.

  • Up to $500 Baggage Delay.

  • Up to $100 Lost or stolen passport, driver’s license, birth certificate or travel visa.

  • Up to $50,000 Travel Accident.

  • 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:

  •  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.

  • 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.

  • 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.

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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

  • 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.

  • Three types of medical insurance rates are available Basic, Preferred and Standard.

    • ​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. 

    • Preferred & Standard: For the ages above 60 years travelling for more than 30 days.​

  • 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:
  • Extra cost of economy class fare via the most cost-effective itinerary.
  • A stretcher fare on a commercial flight.
  • Return cost of an economy class for a qualified attendant to accompany you.
  • Air ambulance cost.
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)

    • Coverage per insured includes:

      • Up to $1,000 Baggage Loss or Damage.

      • Up to $500 Baggage Delay.

      • Up to $100 Lost or stolen passport, driver’s license, birth certificate or travel visa.

      • Up to $50,000 Travel Accident.

      • Up to $100,000 Flight Accident.

Please review the policy wording for further details.