Special Risk Emergency Medical Coverage PDF Print


Emergency medical insurance is vital for all travel, but especially for travel to high-risk destinations.

If you already have conventional travel medical insurance, check how the wording applies to your situation.  Most policies will have the following:

  • A limitation on war and terrorism.  In most cases, some coverage will be included, but it may be subject to a lower limit or other restrictions.
  • An exclusion on travel to regions subject to government warnings.  This would mean that even if your policy includes some war and terrorism coverage, you would not be covered if this happened in a country or region deemed unsafe by government authorities.  Most policies go by the government warnings of the insurer’s home jurisdiction, so a Canadian travel insurance plan would look at Canadian travel warnings, an American travel insurance plan would look at U.S. State Department warnings, and so on.

We can offer coverage which includes war and terrorism and covers any destination.  All you need to do is disclose the full details of your travel plans, and we’ll be able to quote a premium for a policy that takes into account the risks you’ll be facing.

Emergency medical coverage includes doctors’ visits, hospitalizations, medical evacuation, and other medically necessary services in the event of an emergency.  This emergency could be natural (i.e. a sickness) or accidental. Emergency medical insurance also includes 24/7 emergency assistance to help you get the medical care that you need when you need it, and to coordinate your claim and arrange evacuation if necessary.

How to Get a Quote & Apply

•    Application Form for Individuals

•    Application Form for Groups & Corporations

In order to get a quote, you will need to fill out the application form above.  This form will allow you to select exactly what benefits you require.  Please allow up to 5 business days for a quote.  If you do not like the quote that we offer, you are under no obligation to purchase, and we may be able to offer other alternatives.

You may return the application form to us by email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or by fax at 416 730-1878.