SPECIALISED INTERNATIONAL TRAVEL INSURANCE FOR
TRAVEL ACCIDENTS OR ILLNESS INCLUDING COVERAGE FOR
MEDICAL COMPLICATIONS
We are proud to partner with Custom Assurance Placements Ltd., who administer the Global Protective Solutions (GPS) programs. GPS is the worldwide leader in providing insurance solutions for international medical travelers or medical tourists. International medical travel requires unique and specialized insurance. Standard travel insurance has an exclusion if you are travelling to receive medical care.
In addition to the travel accident and illness coverage, benefits have been expanded to include medical complications for an elective procedure when travelling to another country for care. This specialized coverage can assist with unexpected costs associated with an unforeseen complication for up to 180 days past your procedure date. Coverage is available on a worldwide basis.
What is the difference between Travellers Travel Health Insurance and Medical Tourism Insurance?
Travel health insurance is a short-term policy that covers the costs of unexpected medical emergencies, hospital stays, and treatments while you are traveling outside of your home province or country. It is designed to fill the gaps left by standard provincial or private health plans.
Medical tourism insurance is specialized travel insurance that covers complications and medical issues that may arise when traveling abroad for medical procedures. This coverage extends beyond traditional travel insurance to include post-operative complications, extended recovery periods, emergency medical evacuation, and sometimes even coverage for treatment failures. Policies are designed specifically for individuals seeking medical care outside their home country, addressing unique risks associated with international healthcare.
Why medical tourism insurance matters
Protects against complications: Covers unexpected medical issues during and after procedures abroad
Provides financial security: Prevents devastating costs from emergency care in foreign countries
Enables medical travel: Makes international treatment options more accessible and safer
Traveling Internationally for Medical Care
Each year, millions of people travel to another country for medical care which is called medical tourism. Medical tourists from Canada and the United States most commonly travel to Mexico and to several other countries in Central America, South America, and the Caribbean.
The most common procedures that people undergo on medical tourism trips include dental care, cosmetic surgery, fertility treatments, organ, total joint arthroplasty (TJA) replacement, tissue transplantation, and cancer treatment.
Medical Tourism Can Be Risky
The risk of complications depends on the destination, the facility where the procedure is being performed, and whether the traveler is in good health for the procedure(s). Other issues that can increase a traveler’s risk of complications include:
Infectious Diseases. All medical procedures have some risk of infection. Complications from procedures performed in other countries include wound infections, bloodstream infections, donor-derived infections (in the case of transplantations or transfusions), and diseases such as hepatitis B, hepatitis C, and HIV.
Antimicrobial resistance. Highly drug-resistant bacteria and fungi have caused disease outbreaks among medical tourists. Antimicrobial resistance happens when germs develop the ability to not respond to drugs such as antibiotics used to treat infections. Antimicrobial resistance is a global problem. Healthcare facilities in another country may not have adequate infection control practices and medical tourists could be at risk for getting a drug-resistant infection.
Communication challenges. Communicating with staff at the destination and healthcare facility may be challenging. Receiving care at a facility where you do not speak the language fluently could lead to misunderstandings about your care.
Air Travel. Flying after surgery can increase the risk for blood clots, including deep vein thrombosis. Delaying air travel for 10-14 days following major surgeries, particularly those involving the chest, will minimize risks associated with changes in atmospheric pressure.
Enrollment Benefits and Coverage include:
Additional Medical / Surgical Costs as a result of a Complication
Additional Expenses for Travel, Meals & Accommodations as a result of a Complication
Travel Companion Coordination – Additional Expenses Travel, Meals and Accommodations
Emergency Medical Coverage for an accident or illness related to travel
Accidental Death or Dismemberment
Emergency Transportation / Medical Repatriation
24 Hour – Emergency Medical Assistance Service
Travel Cancellation in Exceptional Circumstances
Travel Delay and Loss of Baggage
Optional COVID Coverage for medical and travel expenses related to a positive diagnosis
Pharmacy Discounts, Crisis Management Assistance, a travel app AND MORE…
The above provides only a brief overview of benefits and services.
For coverage specifics and details, please refer to the policy.
To obtain an indication of cost and quote for coverage, please complete and submit an online application using the following link:
