Please note: Coverage is only available for travel that ends by Sept. 30, 2025.
Buy Now
If you buy now, your credit card will be charged the total premium due. Your Confirmation of Coverage, wallet cards, income tax receipt, and policy will automatically be sent to you by email.
Please allow up to one hour to receive the email and please check your junk/spam folders. You may request a paper copy free of charge by calling the office.
To buy now, click Continue.
Get a Quote with the option to save your Quote.
Your saved quote is valid until there is a change in the discount and/or the daily rate. When you save a quote, a personalized code will automatically be sent to you by email. You can use this code if you return to this website to make a purchase.
Complete your Purchase
If you already made a deposit or saved a quote and want to complete your purchase now, enter the code you received, then click Continue.
Welcome!
Please review the medical questions and all pages of your application for the following applicant(s):
Applicant 1:
Applicant 2: NA
Get A Quote
Risk Free
- No obligation to purchase
- Full refund if you cancel prior to travel
- No administration fees or service charges
Eligibility Requirements
- For each of the eligibility questions below, answer either “Yes” or “No”.
- Do NOT count Aspirin or Entrophen as treatment when answering the eligibility questions.
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Has your physician advised you not to travel or have you been diagnosed with a terminal illness?
Applicant 1Applicant 2
-
Do you need assistance with dressing, eating, bathing, using a toilet, or changing positions due to an ongoing medical condition?
Applicant 1Applicant 2
-
Do you have any of the following medical conditions:
- a) pulmonary fibrosis
- b) congestive heart failure
- c) kidney disease requiring dialysis
- d) an aneurysm that is larger than 4.5 cm in diameter or width
Applicant 1Applicant 2
-
Have you ever had or are awaiting a stem cell, bone marrow, heart, kidney, liver, or lung transplant?
Applicant 1Applicant 2
-
In the 5 years before your application date, have you had metastatic cancer OR 2 or more cancers (excluding basal cell or squamous cell skin cancer or breast cancer treated only with hormone therapy)?
Applicant 1Applicant 2
-
In the 12 months before your application date, have you been:
- a) prescribed or used home oxygen or taken prednisone for a lung condition
- b) diagnosed with cancer, had a positive biopsy or had chemotherapy, radiation therapy, or cancer surgery (excluding basal cell or squamous cell skin cancer)
Applicant 1Applicant 2
-
In the 12 months before your application date, have you been admitted to a hospital because of any of the following (excluding routine monitoring):
- a) a heart condition (excluding a pacemaker battery change)
- b) a stroke or mini-stroke or Transient Ischemic Attack (TIA)
- c) a lung condition (including pneumonia)
- d) a kidney condition (excluding kidney stones)
Applicant 1Applicant 2
Health Score Questionnaire
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In the 3 years before your application date, have you been diagnosed with, been prescribed or taken medication, had treatment, or had surgery for any of the following:
a) Diabetes requiring insulin ( 50 Points )
Applicant 1Applicant 2
b) Diabetes requiring medication other than insulin ( 25 Points )
Applicant 1Applicant 2
c) Any heart condition ( 40 Points )
Applicant 1Applicant 2
d) Alzheimer’s or dementia ( 30 Points )
Applicant 1Applicant 2
e) Aneurysm that is 4.5 cm or less in diameter or width ( 30 Points )
Applicant 1Applicant 2
f) One or more of the following bowel diseases and disorders: ( 30 Points )
- Crohn’s
- Colitis
- Diverticulitis
- Bowel obstruction
- Gastro-intestinal bleeding
- Irritable bowel syndrome (IBS)
Applicant 1Applicant 2
g) Cirrhosis of the liver ( 30 Points )
Applicant 1Applicant 2
h) High blood pressure requiring 3 or more medications (including any water pill) ( 30 Points )
Applicant 1Applicant 2
i) Any lung condition (including use of inhalers, excluding pneumonia and a minor ailment) ( 30 Points )
Applicant 1Applicant 2
j) Multiple Sclerosis ( 30 Points )
Applicant 1Applicant 2
k) Pancreatitis ( 25 Points )
Applicant 1Applicant 2
l) Peripheral vascular disease/PVD (including carotid artery stenosis) ( 30 Points )
Applicant 1Applicant 2
m) Stroke or mini-stroke or Transient Ischemic Attack (TIA) ( 30 Points )
Applicant 1Applicant 2
n) Parkinson’s ( 25 Points )
Applicant 1Applicant 2
o) Blood clot ( 20 Points )
Applicant 1Applicant 2
p) Blood disorder ( 10 Points )
Applicant 1Applicant 2
q) Gallbladder disease or gallstones (unless gallbladder was removed) ( 10 Points )
Applicant 1Applicant 2
r) Kidney condition (excluding kidney stones) ( 10 Points )
Applicant 1Applicant 2
s) Epilepsy or a seizure ( 5 Points )
Applicant 1Applicant 2
- Have you ever had a heart condition, aneurysm, stroke or mini-stroke or Transient Ischemic Attack (TIA) or peripheral vascular disease/PVD (including carotid artery stenosis)?
( 10 Points )
Applicant 1Applicant 2
-
In the 12 months before your application date, have you:
a) Had cancer (excluding basal cell or squamous cell skin cancer & cancer treated only with hormone therapy) ( 25 Points )
Applicant 1Applicant 2
b) Taken Lasix or Furosemide for leg or ankle swelling ( 10 Points )
Applicant 1Applicant 2
- Health Score Total :
- Rate Table Qualification :
- Required Stability Period for Pre-Existing Medical Conditions : 90 Days
- Health Score Total :
- Rate Table Qualification:
- Required Stability Period for Pre-Existing Medical Conditions : 90 Days
Your Quote
Please Note: The Annual Plan option is not available if you are Topping Up and want your coverage to start after your departure date.
Please select one option from following list
Please select one option from following list
Your Quote (Family Coverage)
Please Note: The Annual Plan option is not available if you are Topping Up and want your coverage to start after your departure date.
Please select one option from following list
- If you plan to travel frequently in a 12-month period, consider purchasing a 5-day, 15-day, 25-day, or 35-day annual plan.
- Annual plans cover the first 5, 15, 25, or 35 days (based on the plan you selected) of every trip you take out of Canada.
- You may extend an annual plan if your trip is longer than 5, 15, 25, or 35 days.
- Annual plans include unlimited trips within Canada for 12 months (outside of your home Province or Territory).
Deductible Option
Please select one option from following list
Please select one option from following list
Deductible Option (Family Coverage)
Please select one option from following list
Travel Information
Please note: Coverage is only available for travel that ends by Sept. 30, 2025.
If you purchase your policy after you have departed your province or territory of residence, there is no coverage for any medical condition that began, or for which you experienced symptoms, during the first 48 hours after the effective date even if related expenses are incurred after the 48-hour waiting period.
Declaration and Authorization
- I declare that I meet the eligibility requirements for the rate table chosen. The answers I have provided are truthful and accurate. If unsure, I have contacted my physician.
- I understand that any misrepresentation or failure to disclose any material fact may void the policy.
- I understand that it is my responsibility to review my policy to understand the coverage and exclusions, including the pre-existing condition exclusion.
- I understand that if my health changes prior to my departure date, I must contact Travel Insurance Office Inc. to determine how this will affect my coverage.
- I authorize the disclosure of my personal and health information in the event that I have a claim.
- I understand the application is subject to Travel Insurance Office Inc.’s privacy policy. By accepting the terms of the declaration and authorization, I confirm that I have read and accept the terms and conditions of the privacy policy.
Quote Detail
Personal Information
Quote Information
Pre-existing Medical Conditions are covered if stable during the 90 days immediately before the date coverage begins.
Personal Information
Quote Information
Pre-existing Medical Conditions are covered if stable during the 90 days immediately before the date coverage begins.
Contact Information
Other Information
Or make a deposit of $50 CAD to Lock-in the Early Bird Discount. The balance is due prior to travel. If you select [Save Quote] your quote is only valid until there is a rate or discount change. You will be able to complete your purchase on a later date using the personalized code emailed to you.
Contact Us
Travel Insurance Office Inc.
| Ontario: | +1 (800) 550-1295 |
| Western Canada: | +1 (888) 550-1295 |
| Atlantic Canada: | +1 (877) 550-1295 |
| Quebec: | +1 (844) 500-2947 |
| From elsewhere, call collect: | +1 (905) 201-1571 |
About Us
Welcome travelling Canadians and thank you for giving us the opportunity to provide you with Travel Medical Insurance.
Your provincial government health insurance plan has severe limits on out-of-country coverage for unexpected medical emergencies. The limits vary by province but, on average, only cover 5-10% of a typical out-of-country hospital, clinic or doctor’s medical expense leaving you responsible for 90-95% of the total. Travellers Choice offers coverage to a maximum of $5 million CAD per insured person, per trip, for medical emergencies occurring while travelling outside your home province.
Since 1991 we have become one of the largest travel insurance brokers in Canada. Every year our clients reapply with us and many refer their family and friends to us. We serve thousands of new clients every year and this year we want to serve you. Our promise is this: a selection of quality products, low rates, (and lower than most “snowbird” plans), deluxe coverage, and the best service in Canada.
We were one of the first travel insurance brokers in Canada to:
- Introduce a travel insurance newsletter for Canadians
- Introduce a medical questionnaire to rate applicants
- Guaranteed same-day service
- Eliminate all service charges and all administration fees
- Provide "No Questions Asked" refunds
- Introduce a paperless online application. Applicants can purchase coverage online and receive all of their travel insurance documents within minutes so that they can depart Canada immediately. The online application does not have to be printed out, signed or mailed. The online application is easy to use, safe and secure.
We wish you good health and safe travels.
It is sold through Travel Insurance Office Inc.