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Thanks for all your help in the past months. Special thanks to (employee from Claims Services), who always was respectful, caring, knowledgeable and responsive. We have passed on your company name to everyone we talk to regarding emergency medical & travel insurance.

We have had Tour-Med for the last 7-8 years.

And …yes… we did had an expensive claim:

• service was EXCEPTIONAL
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• have NOT had a premium increase due to the 2 claims as far as we can tell.
• after discharge from hospital, they followed up with us to find out if anything was still standing and how we were doing.

They are not the cheapest nor most expensive but we FULLY endorse their policies.

We sent our documents for cancellation of our trip and received the refund in less than 10 days. Extraordinary service. I will deal with Tourmed again.

I unfortunately had a motor bike accident in Utah in July, 2023.  I was severely injured and spent a week in the hospital. I received EXCELLENT care and was 'medevact' to my home in BC on a private jet with two medical attendants..I can only imagine the cost for all this as all the bills were paid for by Tour+Med. Any bills I did receive I simply forwarded to them for payment. No questions asked!  I UNEQUIVOCALLY  recommend Tour+Med!!  Choosing Tour+Med as my insurer saved my life and my retirement pension!!  With gratitude, R.R.

We received a letter last week informing us that my husband's invoice from the hospital in Florida had been paid. This email is to say THANK YOU for the excellent service. We received professional service from the beginning. Every time we had a call, the first thing that was asked is how we were doing, and it feels good to see that human service still exists. We won't go away for long periods anymore due to (our age and) what happened this year, but rest assured, we will recommend you to our friends and family.

I received your letter dated July 4, advising me that TourMed had paid my hospital bill after my incident in Arizona in April. I can’t tell you how relieved I am to know that was covered! I thank you so much!

To give you a little background of the incident… there were 12 of us exploring the desert beauty in the area South of Florence, when we were all attacked by a huge swarm of Africanized honey bees (more commonly known as ‘killer bees’). We were all stung, but I seemed to be the worst. In my hospital stay, they told me they had removed over 500 stingers from my body, primarily my back, chest, face and scalp. The bees were in my nose, ears, and mouth. I was intubated and airlifted to the trauma centre where I was treated for 5 days. I am still not 100%, but a little better everyday. We have all been wary of scorpions and rattlesnakes in the desert, but not these bees!

I am very lucky to have survived this incident, and I truly believe the quick response from the medical team that treated me played a huge part in my survival. I am so very grateful to all involved in my ongoing recovery from this horrific ordeal.

Read our blog article about this medical emergency.

Thank you for your prompt handling of my request. It's very nice to see something go through so smoothly!

I had a medical problem arise while on holidays in Texas and required an emergency hospital visit. The LS-Travel Company far exceeded my expectations. Everyone that my husband or I spoke with at LS-Travel was amazing and I deeply appreciate how efficient my claim was handled. I would highly recommend this company for your travel insurance needs and am truly grateful to all the helpful kindness that your team provided. Thank you from the bottom of my heart.

My wife was hospitalized and needed to be repatriated to Canada in an air-ambulance. You were there at all times during this ordeal and showed great sollicitude.

You show empathy and do exceptional work. We greatly appreciate your professionalism.

I want to thank you for dealing with my medical claim so quickly and efficiently. The online claims process was simple and easy to understand. It took very little time. Impressive! I will recommend your company to my friends.

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Take off with Canada’s #1 travel insurance provider

Enjoy the confidence and peace of mind with Blue Cross when exploring Canada or around the world

#1 in Travel Insurance

Out-of-province emergency medical expenses are not generally covered by your provincial medical plan and these expenses can be financially overwhelming.

For millions of Canadians, comprehensive emergency travel coverage offered by Blue Cross has become an essential part of their holiday plans.

As a recognized symbol of health care globally, being trusted, professional and familiar is what you need in your coverage provider when travelling out of province.

Travel Worry Free

Let Blue Cross travel coverage take care of any unexpected medical emergency costs so you can make the most of your trip.

Whether you travel frequently during the year, take regular sun destination trips or do only occasional short trips, there is a plan that’s right for you.

Blue Cross is a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.

Canadians are optimistic about travel in 2024

The cost of travel is on the rise, but that isn’t stopping most Canadians from planning a vacation.

A ccording to a new study from Blue Cross , Canadians spent an average of $4,200 on their last vacation, and 94 per cent feel the cost of travelling is increasing .

H owever , the 2024 Blue Cross Travel Study also reveals that more Canadians are feeling optimistic about travel and are planning more trips this year.   

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Summer's here and so are travel plans

Get ready for your trip with travel insurance from TD Insurance.

Travel Insurance Plans from TD Insurance

Why it can be important to have travel insurance.

Travelling can be expensive enough on its own, but a medical emergency could cost you much more. It’s also important to note that your credit card might not include travel insurance or may have limited coverage. Whether you’re planning a trip for yourself or your entire family, TD Insurance Travel Insurance can help provide protection from certain unexpected events.

Explore TD Insurance Travel Insurance Plans

TD Insurance Multi-Trip All-Inclusive Plan

This is the most comprehensive plan we offer. It provides you with multiple benefits, including up to $5 million in emergency travel medical coverage, trip cancellation and interruption and more, for multiple covered trips up to the maximum trip duration selected within one year. 1

  Sample Insurance Policy - Multi-Trip All-Inclusive Plan

TD Insurance Single-Trip Medical Plan

This plan provides up to $5 million in emergency travel medical insurance coverage for one trip. 2

  Sample Insurance Policy - Single-Trip Medical Plan

TD Insurance Multi-Trip Medical Plan

If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3

  Sample Insurance Policy - Multi-Trip Medical Plan

TD Insurance Trip Cancellation & Interruption Plan

This plan could be right for you if you do not need emergency medical coverage but want financial protection for eligible non-medical expenses like your trip being cancelled or interrupted due to a covered event. 4

  Sample Insurance Policy - Trip Cancellation & Interruption Plan

Compare plans

Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.

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Why choose td insurance travel insurance.

• Up to $5 million in emergency travel medical coverage Feel good about your next trip with medical coverage up to $5 million on eligible costs.
• 24/7 emergency assistance by phone worldwide Call our administrator anytime if you have an emergency during your trip.
• Travel medical coverage for dependent child(ren) included with two paying travellers On select plans that have the family coverage 5,6  option, your dependent child(ren)’s travel medical coverage is included at no additional charge.
• Convenient online quotes and claims servicing Available 24/7 when submitted online.

How to apply online

Get a quote in minutes

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Decide whether you want to purchase

After reviewing the details, you can proceed to purchase.

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Start the claims process by visiting our  Online Claims Portal.

Let’s connect

Our administrator is ready to answer your questions and help you on your way.

• For 24/7 emergency assistance:  1-833-962-1140  (Canada and the U.S., toll free) or + 1-519-988-7629  (worldwide, collect).
• For quotes, to purchase a policy or any general inquiries:  1-833-962-1143 . Mon-Fri 8am to 8pm ET Saturday 9am to 5pm ET
• For claims:  1-833-962-1140 .

Check your TD credit card travel insurance benefits.

Are you an existing TD Credit Cardholder and dreaming of future travels? Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool.

Information for Quebec Residents – TD and MBNA Credit Card Product Summaries

Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.

TD Personal Credit Cards:

• TD Cash Back Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Cash Back Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Platinum *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Privilege Card Travel Insurance Summary      Credit Card Insurance Summary
• TD First Class Travel® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Platinum Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Rewards Visa *  Card Credit Card Insurance Summary
• TD Emerald Flex Rate Visa *  Card Credit Card Insurance Summary
• TD U.S. Dollar Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Low Rate Visa Card Credit Card Insurance Summary

TD Business Credit Cards:

• TD Business Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Business Cash Back Visa *  Card Credit Card Insurance Summary
• TD Business Select Rate TM  Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Business Credit Card Travel Insurance Summary      Credit Card Insurance Summary

MBNA Credit Cards:

• MBNA Gold Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus or True Line Mastercard® Credit Card Insurance Summary
• MBNA Rewards Platinum Plus® Mastercard® Credit Card Insurance Summary
• MBNA Rewards World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary

Other Products and Services You May Want To Consider For Your Trip

TD offers banking solutions, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.

TD Travel Credit Cards

Earn travel reward points on everyday purchases to redeem for flights, hotels and more.

Foreign Exchange Services

We have over 50 foreign currencies available at competitive rates.

Cross Border Banking

Canadian-based U.S. dollar products with TD Canada Trust can help you avoid foreign exchange fees by allowing you to save and spend in U.S. dollars.

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details. 1. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days. Coverage may be subject to conditions, exclusions, and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Multi-Trip All-Inclusive Plan. 2.Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 3. The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days. Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 4.Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan. 5. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner Dependent Child(ren) means your natural, adopted, or step-children who are: a) unmarried; and b) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. All insured persons may travel independently of one another. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip and at the time you incur a claim. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 6. Family Coverage is available on the TD Insurance Single-Trip Medical Plan and the TD Insurance Multi-Trip Medical Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner. Dependent Child(ren) means your natural, adopted, or step-children who are: c) unmarried; and d) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. Your Dependent Child(ren) must be travelling with you or your spouse. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip. Family Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2 TD Home and Auto Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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Do I Need Travel Insurance When Travelling Within Canada?

Published: Sep 22, 2023, 10:13am

Table of Contents

How does health insurance work in canada, what is not covered by my ghip, what is not covered when travelling within canada, what travel insurance do i need for travelling within canada, where can i get travel insurance for travelling within canada, how much does travel insurance for travelling within canada cost, the bottom line.

Maybe you’ve heard the horror stories of people who have travelled to far-flung destinations, gotten sick or injured and been saddled with hundreds of thousands of dollars in medical bills. As a savvy traveller, you know it’s essential to have comprehensive travel insurance when going abroad, but what about a trip within Canada?

Whether you’re planning a month-long expedition across the country, a ski trip in Quebec or a leisurely tour of the east coast, if you think that your provincial health insurance will cover all your medical expenses while you’re in another province, think again.

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The Travel Industry Council of Ontario ( TICO ) recommends that Canadians should always protect themselves by purchasing medical insurance even when travelling within Canada. That’s because not all medical expenses are covered by your provincial or territorial government health insurance plan once you leave your home province or territory. Here’s what you need to know.

Canada has a universal health care system that provides public health insurance to any Canadian citizen or permanent resident. This is known as the Government Health Insurance Plan, or GHIP. Each province and territory has its own health plan; for example, in Ontario it’s called the Ontario Health Insurance Plan, or OHIP, and in B.C. it’s called the Medical Services Plan, or MSP.

In general, with public health insurance, you won’t have to pay for most health care services, including family doctor’s visits, lab tests, diagnostics including X-rays, and emergency medical and hospital services.

There are differences between provincial and territorial plans, so it’s important to know what your plan covers. For example, Manitoba Health covers up to seven chiropractor visits per year, while Ontario does not offer chiropractic coverage.

Here is list of provincial and territorial public health care plans:

• British Columbia Medical Services Plan (MSP)
• Alberta Health Care Insurance Plan (AHCIP)
• Saskatchewan Health Services
• Manitoba Health
• Ontario Health Insurance Plan (OHIP)
• Régie de l’assurance maladie du Québec (RAMQ)
• New Brunswick Medicare
• Nova Scotia Medical Service Insurance (MSI)
• Newfoundland and Labrador Medical Care Plan (MCP)
• Northwest Territories NWT Health Care Plan
• Yukon Health Care Insurance Plan (YHCIP)
• Nunavut Health Care Plan

While Canada’s public health insurance plan is comprehensive, it doesn’t cover everything. While the particulars differ between provinces, the following are examples of services generally not covered by public health insurance:

• Cosmetic treatments and surgery
• Certain prescription drugs and vaccines
• Over-the-counter drugs
• Medical appliances
• Private nursing
• Additional charges for a private hospital room
• Services provided by paramedical health providers, such as chiropodists, physiotherapists, psychologists, dieticians, etc., outside of a hospital
• Some medical supplies, such as syringes
• Routine dental care, extractions and procedures

However, your province may offer publicly-funded drug plans for students, youth and/or seniors. Your employer may offer employment-related health insurance or you can purchase your own private health insurance plan to cover any coverage gaps.

Emergency medical insurance is a must-have for any out-of-province travel, even if you’re still in Canada.

In general, if you are travelling outside of your home province or territory and you don’t have supplemental travel insurance and you are faced with with a medical emergency, the following costs may not be covered:

• Treatment provided by a health-care practitioner, such as a physician assistant, nurse practitioner, chiropractor or physical therapist
• Prescription drugs
• Medical supplies
• Ambulance services, by ground or air
• Dental emergencies

Fees can range from several hundred to several thousand dollars.

Say you’re visiting Toronto from Winnipeg and you take a tumble down a flight of concrete steps. You’re taken by ambulance to the nearest local hospital and it’s discovered you fractured your femur. The ambulance ride alone will cost you. According to the Ontario Ministry of Health , visitors to Ontario who require ambulance services will have their costs fully covered only if:

• You are a visitor to Ontario from another province, and
• You are insured under your province’s health care plan, and
• A physician deems your ambulance service medically necessary, and
• You are transported between and Ontario hospital and a hospital in another province, or between two Ontario hospitals, and
• Your trip is for diagnostic or therapeutic services, and
• You are returned to the hospital of origin within 24 hours.

In all other cases you will have to pay a land ambulance service co-payment charge of $240. And if you need to be transported by air ambulance, you’ll be billed the actual cost. According to figures of Canadian hospital rates from August 2019 provided by Vancouver-based David Cummings Insurance Services, an air ambulance by helicopter in B.C. costs $2,746 per hour.

Most Canadian provinces and territories have reciprocal agreements with each other, except for Quebec, which means that if you are visiting Ontario from Nova Scotia and you need to visit the emergency department, the Ontario physician will bill their own provincial health care plan for insured services. The only exception is Quebec, where you’ll need to pay the health provider up front.

If you are required to pay out of pocket, you can typically submit a medical expense claim to your own GHIP when you return home. Keep in mind there may be a variation in billing rates between provinces and you could be on the hook for any difference.

Whenever you leave your home province, it’s important to get comprehensive emergency medical insurance in case of an unexpected illness or injury. In general, travel medical insurance pays for unexpected medical expenses during your trip, including:

• Ambulance services (ground and air)
• Physicians’ bills
• Hospital and operating room charges
• Diagnostics and lab tests
• Drugs and medication
• Emergency dental care
• Repatriation to your home province or territory
• Cost to bring a companion to your bedside if you’re hospitalized
• Childcare costs if you’re hospitalized
• Vehicle return if a hospitalization prevents you from returning your rental car

You can purchase travel insurance for travelling within Canada at the same place you’d buy travel insurance for any other trip. You can purchase travel insurance online, through a broker or a travel agent.

Some insurance companies, such as Scotia Travel Insurance , offer cheaper rates for travel within Canada. Others offer a bespoke Canada package. For example, RBC Insurance offers a comprehensive Travel Within Canada Package that offers emergency medical and trip protection for travel within Canada, while TuGo offers an Emergency Medical Within Canada package with $10 million in coverage.

Your travel credit card may also provide sufficient emergency medical coverage for trips within Canada. Before you leave home, check the fine print to ensure you’re properly protected.

The cost of travel medical insurance depends on several factors, such as your age, the duration of your trip, your destination and your health.

Using a sample quote of a 45-year-old healthy woman travelling from Toronto to Vancouver for eight days, here are some examples of the cost of emergency medical travel insurance:

If you’re wondering whether it’s worth spending that extra cash on travel insurance for a trip within Canada, consider it a small investment for extra peace of mind. Not having sufficient emergency medical coverage can ruin your vacation—and your bank balance.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

How to Travel Abroad for More than Six Months Without Losing your RAMQ Eligibility

Like many people, you may dream of traveling the world. The experience of discovering new places...

Like many people, you may dream of traveling the world. The experience of discovering new places and different cultures is both rewarding and exciting.

In Quebec, you can travel up to six months a year without the risk of losing your eligibility for the Régie de l'Assurance Maladie du Québec (RAMQ).

But what if you wish to travel for a longer period of time? Is it possible to maintain eligibility for the RAMQ while traveling for several months? The answer is yes! Here is what you need to understand:

What is the presence in Québec rule?

According to the RAMQ , if you reside in Quebec and are absent for more than 183 days per year, you lose eligibility for health insurance benefits. You must inform the RAMQ when you intend to be away from Quebec for an extended period of time by completing a form with the dates of your absence.

How do you travel for a long time without losing your Quebec medical insurance?

Tip #1: Play with your departure dates according to the calendar year

It is important to note that for the RAMQ, days of absence in Quebec are calculated based on a calendar year, that is, from January 1 to December 31. Your absences must be less than 183 days during a calendar year. A well-planned departure can prove very beneficial if you keep this in mind.

For example, if you intend to travel for eight months in the fall of 2022, you will travel for three months in 2022 (October, November, and December) and five months in 2023 (January, February, March, April, and May). The RAMQ considers that you will spend nine months living in Quebec in 2022 and seven months living in Quebec in 2023, so you will be covered for both years.

It is important to know that stays under 21 days do not count towards the number of days of absence. You can go abroad for less than three weeks as often as you want without impacting your health insurance in Quebec.

Tip #2: Ask for your 7-year provision

You have the option of taking a 7-year provision every seven years. The coverage continues for the entire year, even if you are abroad for more than six months. In essence, it’s like getting special permission. Obtaining this exemption will enable you to travel without worrying about your provincial health insurance for twelve months. A new 7-year period will commence after six more years. For more information, please contact the RAMQ.

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Tip #3: Be sure to check the other exemptions

RAMQ coverage may be maintained if you work, study, or complete an internship outside Quebec.

According to the RAMQ, if you comply with the following conditions, you will remain eligible for health insurance:

● A student enrolled in an educational institution;

● A full-time, unpaid intern;

● A Quebec government employee working outside of Quebec;

● A government of Canada employee working outside Quebec;

● A person in another province on temporary employment or contract;

● An employee of a non-profit organization with its head office in Canada;

● An employee or person performing a contract for a company or organization established in Quebec;

● A self-employed person performing a contract outside Quebec;

● A person living outside Quebec under a social security agreement.

This exemption may also apply if you are accompanying someone (spouse or dependent children) working, studying, or doing an internship outside of Quebec.

There is one more exemption that we would not wish upon anyone. If you cannot return to Quebec due to a hospitalization outside of the province or if you are providing assistance to a hospitalized person, you can also maintain your eligibility for health insurance by submitting a medical certificate. Please consult the RAMQ for more information on these exemptions.

How do I continue to travel after using my 7-year provision?

If you get the travel bug and decide to travel for several months or even years, you may not be covered anymore by the RAMQ, but don't worry! There are several options to consider: for instance, you may wish to consider travel insurance for expats. There is always a way, and soNomad can help you find it!

Get in touch with a soNomad agent for advice on what options best suit your situation (with or without RAMQ).

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The Cuba Travel Insurance & Medical Cover Guide

Since 2010 the Cuban government has required that tourists and visitors obtain medical travel insurance before being allowed entry to the country.  If you are traveling to Cuba you need to take out travel insurance for that reason alone, let alone all the other reasons for taking out travel insurance.  As of 2021, it’s also been a requirement that your Cuban travel insurance provides coverage for Covid-19. In this article, we’ll cover the reasons for Cuba Travel Insurance and some of the risks of traveling to Cuba to consider before you buy your health insurance for Cuba.

THIS POST MAY CONTAIN COMPENSATED AND AFFILIATE LINKS. MORE INFORMATION IN  OUR DISCLAIMER

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Travel Insurance for Cuba

Visitor’s Coverage provides medical and travel insurance for Cuba – for Americans and for international visitors.

Why Do You Need Travel Insurance for Cuba?

There are a variety of reasons why you should take out travel insurance before visiting Cuba, and for ensuring that you have proof of your Cuban travel insurance when you arrive in the country. There are limited options of companies that provide insurance cover for Cuba and any annual policies that you have *may* not cover Cuba automatically. Here are two options for travel insurance for Cuba

1. Visitors Coverage – get a price for Cuba travel insurance here

2. Civitatis insurance – get a price for travel insurance for Cuba here.

The Cuban Government Require Proof of Medical Insurance

Since May 2010 the Cuban government has required that all foreign visitors purchase travel health insurance.   This rule applies to Cuban living abroad as well as foreign tourists.  The reason for this is to ensure that those holidaying on the island nation have adequate medical coverage before arriving in Cuba.  If you are ill and need medical assistance while you are visiting Cuba, then Cuban authorities will delay your return home until you have paid your outstanding medical bills.

You may be asked for proof of your Cuban travel and health insurance at immigration when arriving in Cuba.    If you do not have this you will have to buy health insurance from the local provider, or you will be denied entry to Cuba. There is a local provider in the immigration area at Havana airport.

You can read more here about what to expect on arrival in Cuba. The other item you’ll need to enter Cuba is a Cuban eVisa or Cuban Tourist Card – read here about how to get a Cuba eVisa here.

Why Wait? Get a quote for medical insurance in Cuba NOW from Visitors Coverage

Or the Civitatis travel insurance option is here.

The Cuban Government Requires that Travel Insurance provides Covid-19 coverage

It is a requirement of entry to Cuba that your medical insurance for your trip to Cuba also covers Covid-19 coverage. If you test positive for Coronavirus while in Cuba you will be taken to a hospital or medical center and must pay for your treatment and any medications on your discharge. This is likely to be around US$200 a day. Get a quote for medical insurance that includes Covid-19 coverage for Cuba here. Or the Civitatis travel insurance option is here.

Not all companies will cover US Citizens to travel to Cuba, check with your provider.

Get a quote for Cuba Travel and Medical Insurance here.

Read about restrictions related to Covid-19 and traveling to Cuba here.

Avoid Unforeseen Costs with Cuba Travel Insurance

If your funds are unlimited then you might not take out travel insurance, however, the avoidance of unforeseen costs is why we all buy travel insurance.  It means we have the peace of mind that if something goes wrong, and there are additional costs to bear – like an emergency flight home or medical costs, or your luggage gets lost or stolen – that it’s covered and you don’t have to pay the cost yourself.

Serious Crime is low, but Robbery Can Occur

Serious crime and levels of robbery are very low when they do occur it tends to be opportunistic.  It’s necessary, always, to be aware of your surroundings and protect valuables.  We always travel with a portable safe and secure our valuables in it in the room when we leave. Here’s our guide to the best portable travel safes for Cuba.

Best Portable Travel Safe for Cuba

This fabulous portable travel safe is big enough for laptops, phones, cameras, and a whole lot more. It packs flat and secures to just about anything!

Our 12-litre Pacsafe can fit two laptops, two kindles and a camera, passports and money in it.  We locked our valuables inside it when snorkeled and dived from beaches in Cuba (and padlocked it to a tree!) and also left it in our rooms in our Casa Particulars too.

Cuba is primarily a cash-based society

Cuba is primarily a cash-based society, ATMs do not always work for every traveler’s debit and cash cards, so tourists tend to travel with more cash than in other countries.  (Read our guide to Cuban currency here .) The potential for petty theft and pickpocketing is higher because of this.  Ensure that your case is safely locked away (use  something like the Pacsafe  for this).

Safe Drinking Water isn’t always available

The general rule in Cuba is that you should avoid drinking tap water in Cuba.   While the local population may drink tap water, your stomach might not be as resilient.    Tap water in Cuba is treated with chlorine to kill bacteria, so it also usually tastes a little bit like swimming pool water. Our guide to drinking water in Cuba is here

Best Filter Water Bottle For Cuba

The Lifestraw Go Water Filter Bottle has a 22-ounce capacity, it has a two-stage carbon filter that lasts for 100 liters of water and a membrane microfilter that lasts up to 4,000 liters of water.  The bottle itself is reusable, extremely durable, and BPA-free.  

This is the best filter water bottle for Cuba

In many parts of Cuba, it is possible to buy bottled water, if it’s available.  However, we recommend using a  filter water bottle  – which will save the environment and your money.   It’s much safer than ending up with traveler’s diarrhoea and ruining your holiday!

Cuba has a high risk of dengue fever and the Zika virus

You should take steps to avoid being bitten by mosquitoes as Cuba is classified as having a risk of dengue fever and the Zika virus.    While Havana’s health facilities are better than other areas of Cuba if you need to be evacuated for medical reasons then a hospital stay can cost US$200 a day.

Best Bug Spray For Cuba

Effective bug spray deters mosquitoes, gnats, and ticks. This pump spray is good for protecting you against bugs and contains 40% DEET.

A good Cuba health insurance policy will protect you from this cost. With proof of medical insurance, Cuban authorities may also bill your insurance company directly.

Road Conditions in Cuba Can be Dire

Road conditions in parts of Cuba can  be pretty dire .  While there are occasional weather situations that affect this, like hurricanes, for instance, the primary reason for poor road conditions is the lack of maintenance.

In 2019 there were 29 traffic accidents per day in the first 3 months of 2019.

The main roads in Havana are generally well maintained, but smaller streets tend not to be.  There’s a lack of road lighting at night and lights on vehicles aren’t always what you’ve come to expect at home.    Add to that, Cuban cars tend to be very old and often in poor condition without 21 st -century safety equipment.

You’ll also find many pedestrians, farm equipment, bicycles, and horse-drawn vehicles on more rural roads – as well as areas that are unfenced and where livestock roams free.

Now you might not be renting a car (it’s quite unusual in Cuba to rent cars), but it’s likely you’ll be using transport to get around – so a car and driver or a Viazul Bus and so you will be using the roads! Read more about Cuban transport options here.

Adventure Activities Are Higher Risk

Do you plan on hiking, diving, horse-riding, or biking when you visit Cuba?  These activities come with higher risks of injuries than sitting on the beach.

Flight Delays and Cancellations are possible

Hurricane season in Cuba runs from June until November, which can mean flash floods and landslides as well as the hurricane itself.  If you’re caught in a Cuban hurricane, then you can expect the loss of power, communications, and water.  Flights are likely to be delayed or canceled.

The Risks of Traveling to Cuba

The risks of traveling to Cuba are no different from other countries and islands in the Caribbean area.  Depending on the time of year that you travel hurricanes could be an issue, but the risks of Cuban travel include, but are not limited to

• Health – dengue fever and the Zika virus are present
• Lack of safe drinking water
• Poor road conditions
• Flight cancellations and delays
• Adventure activities carry risks – like diving
• Cash society means more likelihood of opportunistic pickpocketing

Why do you need travel insurance for Cuba?

Some people never buy travel insurance and it is possible to anywhere without travel insurance, mostly, if you so choose.  Apart from Cuba, where the government mandates that you must have health insurance before entering the country.  You may be lucky, and you may not be asked to provide evidence of your travel insurance, but if you are asked and you don’t have it, then you’ll either have to buy it on the spot at the rates quoted, or you’ll be denied entry.

Travel insurance is there for you to pay for the unknown.  The cost of hospital and doctor’s bills if you get sick, replacement items if your gear gets stolen, the cost of flying you home if you need to be repatriated, or if events with family members mean that you need to return home.

Get a quote for Cuba Travel Insurance here from Visitors Coverage. Or the Civitatis travel insurance option is here.

Do you need special travel insurance for Cuba?

Yes.  Medical insurance for Cuba is required to enter the country.  Cuba is usually included in the group of countries that include the USA and the Caribbean, which attract higher insurance premiums, usually due to either the higher cost of medical assistance or the difficulties of providing more advanced medical support in smaller communities.

It’s extremely important to check the small print of your policy to ensure that your policy covers you for, for instance, diving if you plan to dive.

What do you need to take into account when buying Travel Insurance for Cuba?

There are several things you need to take into consideration when buying travel insurance for Cuba.  We’ve detailed these below.

The activities you plan to undertake

Cuba is a unique location to visit.  You won’t necessarily find all the adventure sports and activities that you would in other Caribbean locations – but you will find boat trips, diving, snorkeling, bicycling, rock climbing, and horse riding.

If you plan to undertake any of these activities, then you need to ensure that it’s covered by your insurance.

Where you are when you take out the insurance policy

Most travel and health insurance companies only provide insurance if you are leaving on your trip from your home address.  Other require that you have been resident in that country for six months or more, and you will likely also have to be registered with a local doctor.

We found this out when we started our travels in 2014 – have returned from 4 years working in the USA, we were not registered with a doctor and had been in the country 6 days not 6 months! 

So if you’re already on the road or find yourself living a nomadic lifestyle I really recommend that you take a look at providers who can cover that for your holiday insurance for Cuba. You can get a quote for Cuba Medical Insurance from Visitor Coverage here.

Your age and the age of travelers on the same policy

If you’re 55 or old, then you’ll need to review your travel insurance provider.  Many companies change their policies at this age and you need to ensure that you’re covered. 

Pre-existing medical conditions

If you live with and are traveling with existing medical conditions then you’ll need to declare them, otherwise, if something happens related o that condition while you’re in Cuba then your insurance won’t cover it.  It’s also worth checking to see if you need to declare if you’re had surgery in the last 12 months, regardless of what that surgery was before you buy your travel insurance policy.

FAQS on Cuba Travel Insurance

Got questions about travel and medical insurance for Cuba? Or want to know more about Cuban medical insurance and we haven’t answered your questions?  Check out our frequently asked questions about travel insurance for Cuba below, or ask us yours in the comments.

What about Medical Insurance for Americans traveling to Cuba?

Note that if you’re a US citizen then many insurance providers will not provide cover for Cuba. Your AIRLINE ticket may cover you – please check – and retain your boarding pass for proof of coverage. Your existing health coverage may also cover you, but again, please check. There is an Asistur office at Havana airport arrivals that can sell you the insurance for around US$4.50 a day for US citizens. Get a quote for Cuba Travel Insurance here from Visitors Coverage. Or the Civitatis travel insurance option is here.

Is medical insurance for Cuba mandatory?

Yes.  Travel insurance for Cuba must contain a medical insurance element.  You may be denied entrance to Cuba if you’re unable to provide proof of your medical insurance.

What travel insurance do I need for Cuba?

It is the medical element of travel insurance that is required for entry to Cuba. Get a quote for Medical Insurance for Cuba here. Or the Civitatis travel insurance option is here.

What happens if I don’t have medical travel insurance when I arrive in Cuba?

If you arrive in Cuba without travel health insurance or with an invalid policy then you can buy a policy at the airport where you enter Cuba.  Cuba travel health insurance that you buy at the airport is unlikely to be as comprehensive as the policy that you buy before entering the country.  If you have medical bills while you are in Cuba you will NOT be allowed to leave the country until they are settled.

ESSENTIAL TIPS FOR EXPLORING CUBA INDEPENDENTLY

These are the resources and booking sites that we use when traveling to Cuba.

-Get a Cuba Travel and Medical Insurance Quote from Visitors Coverage here – Alternatively, Civitatis Insurance is a great option for the required insurance for Cuba. Read about the Cuba eVisa , which is replacing the Cuban Tourist Card . Book your Viazul Bus tickets here Use Daytrip to book transport between cities AND to sightsee along the way

Pre-book and prepay shared & private shuttles here Book the best FREE Walking Tours in Cuba Reserve attractions, day trips, and activities in Cuba here Get online in Cuba EASILY with a Cuba SIM Card – prepay for a Cuba SIM card here , or read my guide to Cuba physical SIMs here.

Download and install a VPN BEFORE you travel to Cuba > discount coupon here Book Accommodation in Cuba’s Casa Particular here

Final words on Cuba Travel Insurance

We have had no issues traveling to Cuba.  Our travels have taken us from Havana to Baracoa in the far west of the country.  We took many buses, we hiked, we scuba dived, we snorkeled.  We stayed in Casa Particulars, ate street food, drank some great Cuban cocktails, and thoroughly enjoyed ourselves in Cuba.  We have traveled on endless Viazul buses, we took taxis and colectivos that ran out of fuel and spewed fumes into the car.  We did, however, have a comprehensive insurance policy – and learned from other trips where we have had to claim on our insurance that it is well worth it!

Cuba’s Best is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com, amazon.co.uk, amazon.ca. Amazon and the Amazon logo are trademarks of Amazon.com, Inc. or its affiliates .

Sarah Carter

One thought on “ the cuba travel insurance & medical cover guide ”.

• 1 Comment

Thank you for this content. Very well written and helpful. Cheers from Brazil.

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Annual Plan

The Annual Plan covers all your travel for 12 months. It’s perfect for vacations in Quebec, across Canada, and abroad. You can even reap the benefits when you stay at home! Plus, it saves you money.

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You have two options with the Annual Plan: you can get reassuring coverage for medical care or go for comprehensive coverage that also includes trip cancellation and interruption, baggage, and accidental death or dismemberment.

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You’re covered in the event of an accident or medical issue abroad. Multiple choices of maximum duration for your stays abroad are offered: 4, 8, 15 and 30 days.

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The most comprehensive insurance coverage. It includes emergency medical care, trip cancellation and interruption, and baggage and travel accident coverage. Multiple choices of maximum duration for your stays abroad are offered: 4, 8, 15 and 30 days.

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See our FAQ section

You can also check the CAA-Quebec Travel Insurance Policy for more details.

1. Exclusions and limitations apply if a Government of Canada advisory to avoid non-essential travel or all travel is in effect for your destination prior to your departure.

2. Availability of virtual emergency medical assistance services may vary depending on the person’s geographic location and medical condition.

3. One night’s stay at a commercial establishment is required for the trip to be considered travel within Quebec. See policy for more details.

4. CAA travel assistance is provided by Global Excel. Availability of virtual emergency medical assistance services may vary depending on the person’s geographic location and medical condition. In-province virtual assistance is limited to four (4) calls per insured per policy term.  

CAA‑Québec Assurances refers to Cabinet en assurance de personnes CAA‑Québec, firm in insurance of persons. The travel insurance products offered to CAA‑Quebec members and to the clients of its affiliates in Quebec under the name Assurance voyage CAA‑Québec are underwritten by Echelon Insurance doing business under the name Orion Travel Insurance and distributed by Cabinet en assurance de personnes CAA‑Québec. They are also offered by Voyages CAA‑Québec as part of its travel agency activities.