What are the best travel insurance in Quebec?
Did you know that the cost of a day of hospitalization in the United States can be as high as $ 10,000? When you travel, you are - most often - not covered for unforeseen expenses related to disruptions during your trip (loss of luggage, flight cancellation, emergency repatriation, etc.). Purchasing travel insurance is essential to protect yourself against these hazards that can quickly amount to tens of thousands of dollars.
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Summary
What is travel insurance?
Why buy travel insurance?
What does private travel insurance cover in Quebec?
What does RAMQ travel insurance cover?
How much does travel insurance cost?
How to submit a travel insurance quote in Quebec?
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What are the best all-inclusive travel insurance?
What is 65 and over travel insurance?
Is there student travel insurance?
Other types of travel insurance in Quebec
What does Desjardins travel insurance include?
What does Blue Cross travel insurance include?
What does CAA travel insurance include?
What other travel insurance policies are there in Quebec?
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Consult our guides on travel insurance in Quebec
What is travel insurance?
Travel insurance allows you to be covered for unforeseen events that may arise during a stay abroad or outside your province.
Depending on the travel insurance you choose, you may be covered for:
medical care payable locally, following an accident or illness
the loss or theft of your luggage
emergency transport
repatriation to your home
the cancellation or delay of your flight
interruption of your trip etc.
These costs easily represent large sums. Taking out travel insurance allows you to enjoy your vacation with confidence, knowing that the main costs will be taken into account in the event of a problem.
Why buy travel insurance?
As mentioned above, disruptions during a trip, in particular emergency medical expenses abroad (repatriation, emergency hospitalization, etc.) can quickly reach astronomical sums.
Travel insurance is one of the insurance products providing the best level of coverage vs. price if your trip is disrupted or even canceled. Here are a few examples of the amounts that certain travel disruptions can represent:
Repatriation by helicopter from a ski slope: $ 10,000
The cost of a day in the hospital in the United States: $ 10,000
Loss of your luggage: $ 1,000
Cancellation of your non-refunded flight: $ 2,000.
However, the price of travel insurance to be covered during your trip, especially for emergency medical expenses, is only a few dollars a day.
In Quebec, the RAMQ allows you to be covered during a trip abroad, in certain situations only and only for certain basic expenses. RAMQ insurance outside Quebec does not cover, for example, emergency costs, a stay in a private or semi-private room, etc. See the section below for more information on what RAMQ insurance outside Quebec covers.
It is therefore best to also opt for travel insurance, which allows you to be covered more broadly, in particular for emergency medical expenses, a trip cancellation or even a flight delay. For example, the average cost of hospitalization in the United States is estimated to be $ 10,000 per day. However, RAMQ travel insurance only reimburses $ 100 per day.
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What does private travel insurance cover in Quebec?
Private travel insurance most often covers the following:
Guarantees Services covered by travel insurance? Characteristics Good to know
Emergency and hospital medical care Yes, basic Often up to $ 5M - Advance of costs
- Invoices to keep
Repatriation and emergency transport insurance Yes, basic Included in medical care
Trip interruption or trip cancellation Optional or basic in any risk contract Up to an amount mentioned in the subscription
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