Travel insurance for every trip
Whether you’re taking one trip, travelling throughout the year or extending your coverage, we have a plan that fits your needs.
Find the right travel insurance for your next trip
Choose your coverage
Select your coverage type: single trip, multiple trips or top-up your existing coverage.
Pick a plan
Once you’ve chosen your coverage type, pick a plan: All-In, Just Medical or Cancellation & Interruption.
Get covered
Apply online in minutes and keep important details handy while you travel.
Coverage options
Choose coverage based on your travel habits and needs.
Single Trip Plans
Get coverage for one specific trip. Great for vacations, cruises, single business trips and international travel.
Multi-trip Plans
One plan that covers multiple trips throughout the year. Great for frequent travellers, snowbirds and those who travel regularly for business.
Top-up Plans
Extend existing travel coverage for a longer stay. Great for travellers extending their trips or existing coverage.
Plan options
Pick a plan based on your trip and the protection you need.
All-in
Our most comprehensive option, with broad protection for your trip.
Travel up to 365 days- Coverage available worldwide footnote star
- 10-day free look period
- Medical questionnaire may apply
- Available for Single Trip, Multi-trip, and Top-up Plans.
Just Medical
Focused protection for medical emergencies while travelling.
- Choose trips of 4, 8, 15 or 30 days
- Worldwide coverage footnote star
- 10-day free look period
- Medical questionnaire may apply
- Available for Single Trip, Multi-trip, and Top-up Plans.
Cancellation & Interruption
Protection for unexpected trip cancellations or interruptions.
- Extended coverage for up to a combined limit of 365 days
- Coverage available worldwide footnote star
- 10-day free look period
- No medical questionnaire required
- Available for Single Trip and Top-up Plans.
Compare plans
Compare plan options to find the protection that’s right for you.
| Coverage | All-in | Just Medical | Cancellation & Interruption |
|---|---|---|---|
| Emergency Medical | $10,000,000 | $10,000,000 | not included |
| Trip Cancellation & Interruption | $40,000 | not included | $40,000 |
| Maximum Age | not included | not included | not included |
| Health Questionnaire | Age 65+ | Age 65+ | not included |
| Emergency Transportation | included | included | not included |
| 24/7 Assistance | included | included | included |
| Telemedicine | included | included | not included |
| Travel Delay / Missed Connection | included | not included | included |
| Baggage Coverage | included | not included | included |
| Coverage | All-in | Just Medical |
|---|---|---|
| Emergency Medical | $10,000,000 | $10,000,000 |
| Trip Cancellation & Interruption | Up to $3,000/trip | not included |
| Maximum Age | 84 | not included |
| Health Questionnaire | Age 65+ | Age 65+ |
| Emergency Transportation | included | included |
| 24/7 Assistance | included | included |
| Telemedicine | included | included |
| Travel Delay / Missed Connection | included | not included |
| Baggage Coverage | included | not included |
| Coverage | All-in | Just Medical | Cancellation & Interruption |
|---|---|---|---|
| Emergency Medical | $10,000,000 | $10,000,000 | not applicable |
| Trip Cancellation & Interruption | $40,000 | not applicable | $40,000 |
| Maximum Age | 84 | None | 84 |
| Health Questionnaire | Age 65+ | Age 65+ | not applicable |
| Emergency Transportation | included | included | not applicable |
| 24/7 Assistance | included | included | included |
| Telemedicine | included | included | not applicable |
| Travel Delay / Missed Connection | not applicable | not applicable | not applicable |
| Baggage Coverage | not applicable | not applicable | not applicable |
What's included
Get a closer look at the protection available with each coverage option.
Emergency Medical Coverage
Coverage for eligible emergency medical expenses while travelling, including hospitalization, physician services, emergency transportation and emergency dental treatment.
Up to $10 million in coverage available.
Trip Cancellation & Interruption
Protection for eligible prepaid travel expenses if a covered event forces you to cancel, interrupt or delay your trip.
Baggage Coverage
Protection for eligible baggage loss, theft, damage and baggage delays.
Travel Assistance Services
24/7 assistance services designed to support you while travelling, including medical referrals, interpretation assistance, message relay and telemedicine.
Travel Delays & Missed Connections
Coverage for eligible expenses resulting from covered travel delays and missed connections.
Ready to get started?
Get a quote in minutes or speak to one of our experts.
Travel Insurance FAQs
Many travellers assume provincial health coverage is enough, but it may only cover a portion of medical costs outside your home province or territory. Travel insurance can help cover eligible emergency medical expenses, trip cancellations, interruptions, baggage issues, and more, depending on your plan.
Coverage varies by plan, but travel insurance may help protect you against emergency medical expenses, hospital visits, trip cancellation or interruption, travel delays, baggage issues and emergency transportation home. Review the plan comparison and Certificate of Insurance (certificate) for full coverage details.
It is generally a good idea to buy travel insurance soon after booking your trip. Some coverages such as trip cancellation benefits, can begin as soon as you purchase your certificate.
For coverage to apply, all medical conditions must meet the certificate’s definition of “stable” as outlined in the terms and conditions. This includes any disease, illness, injury or symptoms of a condition that has not yet been diagnosed. Be sure to review the terms and conditions carefully before purchasing.
All-in and Cancellation & Interruption plans can reimburse eligible pre-paid, non-refundable trip costs if you need to cancel or interrupt your trip due to a covered event. Coverage limits and covered reasons vary by plan.
To make changes to your coverage, please call us at 1-833-724-9927 or email us at BMOTravelInsurance@bmo.com.