March 12, 2020

Travel Insurance Confidence

Whether you’re enjoying the ultimate escape in Borneo, hiking the Colorado Rockies, or camping in Gros Morne National Park, if you experience a medical emergency while travelling outside of your home province, treatment costs can escalate quickly. Even if you’re a Canadian resident travelling in Canada, government health insurance plans provide little to no coverage — generally less than ten per cent of the cost. This isn’t much, especially when you look at the following examples that show how costly travel mishaps can be.

A broken ankle requiring surgery in Orlando, Florida, could cost upwards of US$45,000.

In Puerto Vallarta, Mexico, a broken arm requiring surgery and a two-day hospital stay could average US$32,800.

A hip fracture in the Dominican Republic could be financially devastating, with an average cost of US$43,500.

A medical emergency while travelling can significantly affect your experience and your wallet. Even though your government health-care coverage is tough to beat when you are in your home province, travel protection is the next best thing while you are travelling.

For more information on your travel insurance coverage, please review your policy, including the benefits, exclusions, limitations, and conditions. Policy wording is also available on the ARTA website under ‘Forms and Documents.’ If you have any additional questions after doing so, you can contact the administrator, Allianz Global Assistance.

Need emergency assistance while travelling?

Call Allianz Global Assistance 24/7 from anywhere worldwide:
Canada/U.S. Toll-free: 1-844-996-9003
Worldwide: 519-342-0142

If you’re unable to reach Allianz Global Assistance using the tollfree number, you can call collect. International operator assistance is required, so be sure you know how to call collect to Canada from your destination before your trip.


Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.