visa desjardins travel insurance

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• Group insurance  through your employer or an association through your employer or an association
• Group retirement savings  (RRSP, DCPP, DPSP, etc.) through your employer or an association (RRSP, DCPP, DPSP, etc.) through your employer or an association
• Individual insurance  purchased online, by phone or in person purchased online, by phone or in person

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• Individual insurance
• Travel insurance

Desjardins Travel Insurance

Planning a seaside getaway, an overseas adventure, a cruise, an out-of-province business trip or a weekend in New York?

When travelling outside your home province, you need travel insurance that can protect you from the financial consequences of unexpected events—and let you travel with peace of mind.

​Have questions or concerns about your next trip? Consult our FAQ  External link. Opens in a new window. .

Get a quote

• The Main destination field is required
• Choose a number between 1 and 8 for the Number of travellers field.

Call us. 1-855-368-6924  This link will launch your default phone software.

Why choose Desjardins?

• Discounts and exclusive advantages for Desjardins members
• 24/7 assistance service
• Affordable family premium
• Quick and easy online purchases
• Flexible multi-trip annual insurance
• More than 30 years of travel insurance expertise!

Type of trip

What kind of traveller are you.

If you’re between the ages of 18 and 30 and will be away for more than 30 days, you can get 50% off Emergency Return Trip coverage. It covers the cost of an airline ticket to return home in the event of an emergency, and to leave again to continue your adventure!

Learn more  about the offer to student

Insure your entire family on the same contract and only the 2 oldest family members pay premiums. This advantage is also available to dependent children who travel with their grandparents.

Learn more  about the offer to family

Take a holiday from health questionnaires with the Quattra Advantage! Just fill out the medical questionnaire once and know that any changes to your health won’t affect your premiums or eligibility for 4 years.

Learn more  about the offer to Snowbird

Business traveller

Take out a single contract for the entire year and get peace of mind every time you take off—because the number of trips is unlimited! You’ll see savings as early as your second trip.

Learn more  about the offer to business traveller

Visitor to Canada

With Visitors to Canada Insurance, you get access to a wide range of assistance services for as long as you’re covered.

Learn more  about the offer to visitor to Canada   Opens in a new window.

• Emergency Health Care
• Emergency Return Trip
• Trip Cancellation / Interruption

For worry-free travel!

Covered or not.

Before leaving, make sure you know which activities your travel insurance covers.

Health issues?

Has someone talked to you about pre-existing conditions and medical stability and you’re wondering whether you’re covered by your travel insurance?

All about travel insurance

Read the travel insurance summary provided with your card to learn all about your coverage and how you can benefit.

Flexi Visa, Cash Back Visa, Cash Back Mastercard, Bonus Visa and Cash Back World Elite Mastercard cards

See the 3-day travel insurance summary (PDF, 375 KB)

Odyssey Gold Visa, Travel Gold and Odyssey World Elite Mastercard cards

See the Odyssey Gold Visa, Travel Gold and Odyssey World Elite Mastercard travel insurance policy (PDF, 320 KB)

See the Odyssey Gold Visa comprehensive travel insurance summary (PDF, 155 KB)

See the Odyssey World Elite comprehensive travel insurance summary (PDF, 155 KB)

Odyssey Visa Infinite Privilege card

See the Odyssey Visa Infinite Privilege travel insurance policy (PDF, 255 KB)

See the Odyssey Visa Infinite Privilege travel insurance summary (PDF, 359 KB)

Prestige Platinum Visa card

See the Prestige Platinum Visa travel insurance policy (PDF, 469 KB)

See the Prestige Platinum Visa travel insurance summary (PDF, 160 KB)

Platinum Visa card

See the Platinum Visa travel insurance policy (PDF, 469 KB)

See the Platinum Visa travel insurance summary (PDF, 415 KB)

U.S. Visa card

See the U.S. Visa Common Carrier Accident Insurance summary (PDF, 265 KB)

Visa U.S. Business card

See the Baggage Insurance summary (PDF, 296 KB)

See the Common Carrier Accident Insurance summary (PDF, 250 KB)

Visa Business Advantage card

See the Baggage Insurance summary (PDF, 264 KB)

See the Common Carrier Accident Insurance summary (PDF, 68 KB)

Visa Corporate card

Client services

In case of emergency

• Travel Assistance Service
• Submit a claim online  Opens in a new window.
• Make changes to your contract
• Update your address

Useful links

• What does your Trip Cancellation Insurance cover?
• Will I have to pay the hospital bill if I'm hospitalized while I'm away?
• Does my provincial health insurance plan provide sufficient coverage everywhere in the world?
• See all questions

​​ Suggested links

If you bought your insurance online, refer to the following documents:

• Travel Insurance Policy (PDF, 403 KB)  Opens in a new window.
• Multi-Trip Annual Insurance Policy (PDF, 418 KB)  Opens in a new window.

For The Personal:

• Travel Insurance Policy (PDF, 374 KB)  Opens in a new window.
• Multi-Trip Annual Insurance Policy (PDF, 382 KB)  Opens in a new window.

If you bought your insurance over the phone, refer to the following documents:

• Travel Insurance documents (PDF, 667 KB)  Opens in a new window.
• Multi-Trip Annual Insurance documents (PDF, 680 KB)  Opens in a new window.
• Travel Insurance documents (PDF, 611 KB)  Opens in a new window.
• Multi-Trip Annual Insurance documents (PDF, 619 KB)  Opens in a new window.
• Desjardins Odyssey Gold Visa, Travel Gold and Odyssey World Elite Mastercard Travel Insurance Policy (PDF, 320 KB)  Opens in a new window.
• Desjardins Odyssey Visa Infinite Privileve Travel Insurance Policy (PDF, 255 KB)  Opens in a new window.
• Desjardins Prestige Platinum Visa Travel Insurance Policy (PDF, 469 KB)  Opens in a new window.
• Desjardins Platinum Visa Travel Insurance Policy (PDF, 383 KB)  Opens in a new window.

For more information on your contract or claim an insurance, contact us by:

• Email [email protected]
• Phone 1-855-368-6924 Customer Service. Monday to Friday: 8 a.m. to 8 p.m. (Eastern Time)
• Mail Desjardins Financial Security 200, rue des Commandeurs Lévis (Québec) G6V 6R2

For assistance while on your trip:

• Canada and the U.S. 1-800-465-6390 Assistance Service.
• Elsewhere in the world (excluding the Americas) Dial the overseas area code of the country followed by 800 29 48 53 99 (available in certain countries)
• Collect 514-875-9170 Assistance Service.

Dissatisfactions and complaints

Not satisfied with a product or service? Please let us know:

Step 1: Ask for an explanation

Call Desjardins Insurance's 1 customer service team at 1-866-838-7584 Desjardins Insurance Customer service.

Here are some helpful tips:

• Have all of the supporting documents you might need on hand (policies, letters, etc.)
• Write down the names of the employees you speak with, along with the dates; this information will be helpful later on if you decide to file a complaint
• Include your name, address and phone number on all written communications
• If you're acting on behalf of someone else, you have to fill out the Authorization for the Collection and Release of Personal Information to Third Parties form (PDF, 140 Kb) .

In our experience, most issues are resolved at this stage.

Step 2: File a formal complaint with the Dispute Resolution Officer

If you don't agree with the results of the review, you can file a formal complaint with Desjardins Insurance's Dispute Resolution Officer. Simply use the form below:

Complaint form (PDF, 313 Kb)

Dispute Resolution Officer Desjardins Financial Security 200 des Commandeurs Lévis QC G6V 6R2

Toll-free phone number: 1-877-838-8185 Dispute Resolution Officer.

Toll-free fax number: 1-877-833-5985 Dispute Resolution Officer.

Email: [email protected]

1 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company

About Desjardins Insurance 1

Desjardins Insurance, Desjardins Group’s life and health insurance subsidiary, has over 5 million clients. The number of people across the country who turn to us for our life insurance, health insurance and retirement savings solutions is growing by the day. And we are always true to our cooperative values, which means that we put people first. We are there for you—just pick up the phone:

Contact us:

• 1-866-647-5013 Desjardins Insurance. (Monday to Friday, 8 a.m. to 5 p.m., Eastern Time)

Desjardins Financial Security's AMF number is 501707. Desjardins Financial Security is registered under the name of Desjardins Financial Security, Life Assurance Company.

1 Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

How we collect, use and disclose information

We only collect personal information relating to you if you supply it to us voluntarily.

We are committed to protecting your personal information using appropriate security measures. To find out more about what we do to ensure your security, visit the Dialog box: Security section.

Our website uses cookies. While cookies enable the site to identify you as a specific user, they don't recognize you by your name or other personal information.

If you'd like, you can program your browser to refuse cookies. However, choosing this option may prevent you from accessing some of our services. To find out more about cookies, visit the Dialog box: Security section.

We may collect information for statistical purposes, such as to determine a page's popularity, the average number of pages accessed per visitor and the average time each visitor spends on the site. None of this information is linked to you as an individual visitor. We use this information only for verification purposes and to make improvements to our site.

Surveys and Contests

By completing a survey or entering a contest, you are choosing to share your opinion, response or other information. We may use this information in our survey results and post it on our website. In the case of contests, your entry will be used for the purposes of the draw only.

Management and protection of personal information policy

Since Desjardins Insurance was founded in 1948, significant and effective control measures have been put in place to protect the confidentiality of the personal information in our possession.

In order to offer quality financial services, we require access to medical, financial and family information. We manage this information with the utmost discretion and in compliance with Canadian statutory and regulatory requirements.

Desjardins Insurance is committed to managing and protecting your personal information:

Collecting personal information and creating a file for insurance purposes only

What is personal information.

Personal information is any information about an identifiable individual or any facts which, on their own or combined with other data, can identify an individual.

The personal information we have about you is kept in a file so we can offer you our insurance, annuity, credit and related financial services.

We collect only the personal information necessary for you to purchase insurance, in compliance with the law.

We always ask for your consent before we collect or disclose your medical information.

Retention, use and disclosure of personal information

We apply the necessary security measures to protect the confidentiality of the personal information in our possession. This means that only authorized individuals can access the personal information in the files and only when necessary in the course of their duties.

For more information, visit desjardinslifeinsurance.com

Unless you consent, or it is required by law, personal information in the files is never used for any purpose other than that for which it was intended.

Our client lists are only used or disclosed as permitted by law. We can use these lists to inform our clients of promotions or to offer a new product. If you would like your name to be removed from the list, contact our Privacy Officer at any time.

We won't disclose the personal information about you contained in the file to any third party, unless we receive written consent from you, or we are authorized by law to do so (for example, in the case of an inquiry by the officers of the court).

When personal information is sent outside of Desjardins Insurance, it is also done in a way that ensures that it remains confidential, even if you are the one who will receive the information.

Privacy Officer

The Privacy Officer:

• Responds to requests for access and correction
• Handles requests to remove names from contact lists
• Responds to complaints concerning the management and protection of personal information
• Manages inquiries regarding the disclosure of personal information to service providers located outside Canada

The Privacy Officer is also available to provide you with information or to answer questions about the management and protection of personal information.

Contact the Desjardins Group Privacy Office:

Desjardins Group Privacy Office 100 Rue des Commandeurs LEV-100-RC-Y Lévis, Québec G6V 7N5 [email protected]

Please include your name and contact information, the nature of your application, any relevant information, the Desjardins Group entity who you do business with and the name of the people you have already spoken with about this issue.

Changes to the policy

We reserve the right to modify this policy at any time.

Privacy policy

At Desjardins Insurance, we know the value you place on the security and confidentiality of your personal information.

That's why we've established privacy policies, guidelines and rules to ensure personal information is protected.

We cannot guarantee the confidentiality of information exchanged by email.

For security, verification or statistical purposes, Desjardins Insurance collects access data for this website and may consult communications sent to and from the site.

Desjardins Insurance is keenly aware of the need to protect your security and privacy, particularly in regard to any information you may provide to us.

Desjardins uses technology to provide a better website experience

What is a cookie?

Cookies are used throughout our websites.

A cookie is a small data file created by your browser when you visit a website or web page. It is stored on your computer. Cookies allow websites to remember information about you to facilitate your authentication and improve your experience. Cookies can only be read by the website that sends them to your computer.

We use 2 types of cookies on our websites:

• Session cookies : This type of cookie is temporarily stored in your computer’s memory and is deleted when your session ends. Session cookies are used to identify you when you log on to transaction-based sites.
• Persistent cookies : This type of cookie is saved on your computer and recalled every time you visit. Persistent cookies are text files, which means they can’t be used for harmful purposes like infecting a computer with a virus or any other malicious data.

Why does Desjardins use cookies on its website?

We use cookies for the following purposes :

• To provide a secure browsing experience and verify your information. Using cookies means we don’t need to save information about you every time you go to a new page. We can also store information about your session to identify you when you are on our site.
• To remember your settings and preferences. Cookies allow us to remember your preferences, such as your province and preferred language.
• To compile statistics. We use cookies to find out which pages of our website are most popular, the average number of pages visited, and the average amount of time spent on our site to help us improve our services.
• To analyze our performance. Cookies help us learn what our users like most and what we may need to change.
• To provide advertising that’s relevant to you. We use the data collected to show you online offers and Desjardins advertising based on your interests on our websites and other websites. We also use it for retargeting and remarketing purposes and to limit the number of ads you see. For more information, see the section on interest-based advertising below.

Do other websites see my cookies when I’m on a Desjardins website?

We sometimes use third-party service providers.

When you go to one of our websites, either directly or by clicking an ad, a cookie is automatically created on your computer. When this happens, web analytics tools (like Google Analytics, Omniture or DoubleClick) and potentially other external advertising servers have access to the cookie, which allows us to provide a better user experience. In some cases, it also lets us track your activity to promote our products. While a unique code in the cookie file allows us to identify you as a user, the cookie doesn’t contain your name or address.

Our service providers may also need to collect your IP address or mobile device identifier when you visit a site. This information may be sent to or stored on servers in Canada or elsewhere, such as the United States. Desjardins does not combine information collected by third parties with any information we have about you, but some providers may have to disclose the data they collect to a third party for legal reasons or for data processing purposes. We do not share information that would allow service providers to identify you.

Third-party service providers have their own cookies and privacy policies.

Can I block cookies while on Desjardins websites?

You can disable the personalization features on our sites by blocking cookies in your browser. See the procedure .

Blocking cookies may prevent pages on our site from displaying correctly and some features may not be available.

You must allow cookies to use this site. If your browser is set up to block cookies, click the link above and follow the instructions to change the settings in your browser.

Desjardins provides a personalized, interest-based online experience

What is a web beacon?

A web beacon is a tiny image placed on a website or in an email. It can be used to anonymously track the number of times a user visits a page. Web beacons are invisible and can be found on anywhere on our website or in our ads. Unlike cookies, web beacons are not stored on your computer.

Why does Desjardins use web beacons on its websites?

We use cookies and web beacons to customize our advertising based on your interests. When you visit our websites, these cookies and beacons let us know which pages you are interested in, so we can show you relevant advertising. This technology does not use any identifying personal or financial information, but it may contain a unique identifier for retargeting purposes. When you click an ad with a cookie or beacon, we may use it to track the ad campaign’s response rate.

Desjardins also works with third-party advertising companies, such as DoubleClick and Facebook. These companies may collect and use information about your visits to our websites to deliver interest-based advertising. Desjardins does not share any identifying information with advertising companies.

Our advertising partners and other third parties may also use cookies or web beacons when you click ads or links to their websites or services on our websites. Our privacy policy does not apply to third-party websites or third-party advertisers.

Can I opt out of interest-based advertising?

You can choose not to share information with Google Analytics or DoubleClick by changing the settings in your browser or on your device. You can do the same with your ad settings. You can prevent your information from being shared with Google Analytics by installing a browser add-on . You can also opt out of personalized ads by following these instructions .

Desjardins uses Facebook’s Custom Audience feature to create interest-based advertising for our members and clients. If you’d like to opt out of these ads on Facebook, follow these steps .

Even if you opt out of interest-based advertising, you may still see Desjardins ads. The ads you see will not be customized to your needs and may appear more frequently.

Desjardins Insurance 1 believes in protecting the information you exchange with us over the Internet.

Security and privacy are our priorities. We are dedicated to ensuring that the information you share with us remains strictly confidential. All our employees must adhere to the strict confidentiality standards outlined in our privacy policy, which we invite you to consult.

Please take a few moments to read about the steps we have taken to make sure the information we exchange via the Internet is secure and learn what you can do to protect yourself on the Internet.

Our rigorous security procedures ensure that your computer is protected when you visit our website:

Secure section indicator

What is a "secure section?"

The secure sections of our website are protected by the SSL protocol . When you send us confidential information over the Internet, such as your name, address or credit card number, this protocol is used to make sure the information stays confidential and isn’t altered in any way. Since the information is encrypted, no one can read it as it travels between your browser and our website. We also use firewalls so that information sent over the Internet has to pass through a number of safety checkpoints between your computer and our systems. This prevents unauthorized access.

To benefit from the security offered by the SSL protocol, use a 128-bit encryption browser, such as the versions listed in the Browser versions section below.

Browser versions

When you visit the Travel Insurance website, use one of the following browsers for best results:

• Internet Explorer: version 11 and Edge (Windows)
• Mozilla Firefox: latest version (Windows)
• Google Chrome: latest version (Windows)
• Safari: version 9.1.1 (Mac)
• iPad: version iOS10
• Samsung or Nexus tablets: version 6.0.1 (Chrome)
• iPhone: version iOS10

If you're using one of the following Web browsers, do not hesitate to advise us of any errors you encounter:

• Internet Explorer: version 9.0 (Windows)
• iPad: version iOS9
• iPhone: version iOS9
• Samsung tablet: version 4.0.4 (Android Browser)

All of the browsers listed above use standard security protocols, which the browser activates automatically when you access your personal file.

This site has been adapted and allows people who use JAWS and NVDA screen reader to navigate using these tools.

You can check the security certificate of our secure pages at any time to confirm that you’re really dealing with Desjardins Financial Security, and not a malicious third party.

Cookies are used on our site. They identify your browser software when you move from site to site or page to page during a Web session. This information can then be used to identify you and facilitate your access to a site and your ability to navigate within our site. Cookies can only be read by the website that sends them to your computer.

When you access our site directly or through a publicity redirecting to our site, a cookie file is automatically created in your computer. Our server and possibly third party ad servers can access this file in order to improve your experience on our site and in some instances promote our products. While they enable the site to identify you as a specific user, they don’t recognize you by your name or other personal information. No personal information is collected through cookies.

We may collect information for statistical purposes, for instance, to determine a page's popularity, the average number of pages accessed per visitor, and the average time each visitor spends on the site. Cookies may also allow us to display Desjardins publicity if you access an external site which displays those publicities.

We use two types of cookies:

• Session cookies: these are not stored on your hard drive and are deleted when you log off our site.
• Persistent cookies: these are stored on your hard drive and recalled at your next visit. They are stored as text files in order to preclude any viruses or programs from accessing your data.

To access all parts of our website, your browser must accept cookies. If your browser is set up to refuse cookies, you can change the Internet settings in your web browser to allow cookies. If you do not allow cookies, some pages may not function properly and some features may not be available.

1 Desjardins Insurance refers to Desjardins Financial Security Life Insurance Company.

Legal Notice

By accessing and using Desjardins Insurance's website, you agree to be bound by the terms set out in this Legal Notice. If you do not agree, you should not use this site.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

• The Legal notice may be updated at any time without notice.
• For information about site security, please visit the Security section.

Copyright and trademarks

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. All trademarks and logos on this website are copyrighted and are owned by Desjardins Insurance. Any use or reproduction without prior consent from Desjardins Insurance is strictly forbidden and may be a violation of copyright or trademark laws.

Information accuracy

The information that appears on this website is for information purposes only and is subject to change and update at any time without notice.

Limitation of liability

Desjardins Insurance will not be liable for any harm, loss or damage resulting directly or indirectly from the use of this website or the information contained therein, the inability to use it or its malfunctioning.

No warranty or representation

Desjardins Insurance makes no warranty or representation that the website will be available or that it will meet your requirements. Access may be interrupted, and delays, failures of performance, errors, omissions, losses of transmitted data, computer viruses or other issues may occur and cause damages for which Desjardins Insurance is not liable.

Limitation of liability for links to other websites and downloadable software

Links to other websites or mobile apps are provided only for your convenience. Desjardins Insurance is not at any time liable for their content or for any difficulties you may have accessing them.

Jurisdiction

This website is governed by the laws of the province of Quebec. All disputes, controversies or claims arising from its use must be submitted to the jurisdiction of the courts of the province of Quebec.

Any unprotected email sent over the internet may be intercepted, lost or modified. Desjardins Insurance is not liable for any damage resulting from the interception, loss or modification of any email that you send to Desjardins Insurance, or for any message of this nature that Desjardins Insurance sends to you.

A log is kept to track security or other events for verification and statistical purposes. This log may contain information about visits to the site or to sections of the site, messages sent or received by a user (in the case of email sent through the website) and other site activity.

Desjardins Insurance may access sent and received messages if it has reasonable grounds to think that the law has been violated or the site’s rules of use have been broken.

Updates to the Legal notice and Terms of use

This notice will occasionally be updated and modified without prior notice. You should therefore check back here whenever you visit the site.

Desjardins Insurance reserves the right to close the secure sections or to limit access without prior notice.

Accessibility

The site is also available in accessible version. To access it, click on the following link:

Toggle to accessible version

To learn more about Desjardins Insurance's commitment to accessibility, click on the following link:

Go to Desjardins Insurance

Before you start

Terms of use, to buy travel insurance online, you have to be:.

• A Canadian resident;
• Under the age of 75;
• Covered under the government health and hospitalization plans of your province of residence for the entire duration of your trip.

You must also:

• Have an email address;
• Be going on the trip and be the contract holder and the person paying the premium;
• Pay by credit card (Visa, MasterCard or American Express);
• Take out coverage for the entire duration of your trip before the departure date;
• Leave from and return to your province of residence;
• Validate if you already have any Multi-Trip Annual Insurance in force.

Language of documents for Quebec residents:

• We will send your initial documents in both English and French to comply with the Charter of the French Language ;
• Subsequent documents will be sent in English only.

In all Dialog box: other cases , please call us at 1-888-285-3097 to buy your travel insurance. Our business hours are Monday to Friday, 8 :00 a.m. to 8 :00 p.m., ET.

Particular cases

Sometimes it's better to buy travel insurance by phone…you should speak to one of our advisors if:.

• You're over age 75 .
• You've experienced any health problems over the past few months.
• If you wish to purchase a premium for someone other than yourself. When you purchase your premium online, the contract holder must be one of the insured travellers.
• If you wish to pay with your bank account. When you purchase your premium online, the only payment methods available are by credit card (VISA, MasterCard or American Express).
• You need specific coverages based on your situation.

If any of the particular cases applies to you, contact us at 1-888-285-3097. Our business hours are Monday to Friday, 8 :00 a.m. to 8 :00 p.m., ET.

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Travel Insurance

Coverage and discounts

Learn more about the External website - By clicking on the link you will open a new window coverage and discounts offered by Desjardins Travel Insurance.

Find the right By clicking on the link you will open a new window claim form online.

Everywhere in Canada (visitors, immigrants, super visa applicants) !

• : show details. Contact Us
• : show details. About Us
• : show details. Privacy
• : show details. Personalize cookies
• : show details. Security
• : show details. Legal Notice
• : show details. Accessibility

• Travel Insurance
• Desjardins Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Desjardins Insurance Review 2024

Updated: Feb 28, 2024, 5:54am

If you’re looking for flexibility with your travel insurance coverage, Desjardins Travel Insurance is worth a look. You can pick and choose your coverage options, your maximum baggage reimbursement (up to a generous $5,000) and the number of days for your multi-trip annual insurance plan. There are also several discounts, though you have to be an existing Desjardins client to reap the most benefits. However, the emergency medical limits are lower than other plans, as is the pre-existing condition waiver, for about the same cost.

• Customizable coverage
• Easy online quote process
• Several discounts
• Generous baggage maximums
• Medical questionnaire required at age 61
• Lower medical coverage than other plans
• Pre-existing condition waiver lower than other plans
• No CFAR coverage

Table of Contents

About desjardins travel insurance, what travel insurance does desjardins offer, desjardins travel insurance plans, summary: plan comparison, desjardins travel insurance cost, comparing desjardins travel insurance with other insurers, optional add-ons for desjardins travel insurance, does desjardins travel insurance offer any discounts, does desjardins offer annual multi-trip plans, desjardins travel insurance 24/7 travel assistance, does desjardins travel insurance have cancel for any reason (cfar), does desjardins travel insurance have interruption for any reason (ifar), desjardins travel insurance and pre-existing medical conditions, desjardins travel insurance exclusions, desjardins travel insurance eligibility, how to file a claim with desjardins travel insurance.

Desjardins Insurance is the life and health insurance subsidiary of Desjardins Group, the largest cooperative financial group in North America and the fifth-largest in the world, with assets of $404 billion. Desjardins offers a full range of products and services, including life and health insurance, savings and investments, to individuals and businesses through its extensive distribution network, online platforms and subsidiaries across Canada.

Desjardins Travel Insurance is offered by Desjardins Insurance (Desjardins Financial Security Life Assurance Company) and in some provinces (excluding Quebec), The Personal Insurance Company.

Here are the key types of travel insurance coverage offered in Desjardins Travel Insurance plans:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work, as well as medical evacuations, repatriation and arranging for a bedside companion if you are hospitalized.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy, such as you or your travelling companion becoming ill, weather conditions causing a massive delay or you losing your job, trip cancellation insurance can reimburse you for prepaid, non-refundable costs.
• Travel interruption or delay insurance: Trip interruption insurance can pay for a last-minute flight home in an emergency and reimburse money that you lose by cutting a trip short due to a covered reason, including non-refundable activities and hotel stays. If your flight is delayed , your insurance can cover the cost of incidentals, such as meals or accommodations, after a specified period of time, such as six, 10 or 12 hours.
• Baggage insurance: Baggage travel insurance can compensate you up to your policy limits if your luggage is lost or stolen. It will reimburse the depreciated value of your suitcases and what you packed. If your bags are delayed, it can reimburse you for the cost of the necessities you’ll have to buy to tide you over. It also extends to your personal belongings, if they are lost, damaged or stolen.
• Travel accident insurance. This coverage offers compensation in the event of accidental death or catastrophic injury from an accident during your trip. Flight Accident Insurance covers injury while you’re on a commercial plane, during a connection or in an airport. Travel Accident Insurance covers death or dismemberment, including the loss of limbs or eyesight, while in transit during your trip.

Desjardins offers five coverage options for travelling outside of Canada. You can choose one or more depending on your needs.

Emergency Health Care: This coverage kicks in when you require emergency medical care if you suddenly or unexpectedly become ill or have an accident on your trip.

Emergency medical treatment includes:

• Hospital accommodation up to a semi-private or private room
• Services of a doctor or nurse practitioner
• Lab tests and X-rays
• Prescription drugs, up to a 30-day supply after hospital discharge
• Purchase or rental of crutches, a cane or splints
• Paramedical services, such as care from a chiropractor, physiotherapist, or podiatrist, up to $60 per visit, maximum $300 per profession
• Emergency dental due to a blow to the face, up to $3,000
• Emergency transportation, including up to $100, to return you to where you stayed before the medical emergency

Medical benefits also include coverage to bring someone to your bedside, expenses for meals, hotel accommodations and associated expenses if you are hospitalized and/or if a medical delay prevents you from returning home, repatriation expenses and return of your remains if you die.

Trip Cancellation or Modification: This coverage option reimburses you for insured non-refundable travel expenses (such as hotels or prepaid excursions) if you have to cancel or modify your trip due to one of 18 covered reasons.

Baggage: This coverage option reimburses you if your luggage or belongings are stolen during your trip, or if the common carrier (the plane, train, bus, etc.) loses or damages them or delivers them late.

Accident: If you have an accident while you’re travelling or while you’re on a plane that causes your death or the loss of use of a hand, a foot or an eye in the 12 months that follow, this coverage will reimburse you up to the stated maximum. You can purchase either coverage for accident while aboard a plane, coverage for accident while travelling, or both.

Emergency Return Trip: This reimburses you for the transportation expenses incurred to travel home and back again to your destination when a member of your family dies or is hospitalized for at least seven days, or a loss causes damage to your main residence or place of business.

We’ve highlighted the key benefits of each coverage offered by Desjardins Travel Insurance for single trip plans to help you identify which coverage is the best fit for you. You can purchase one coverage, a few or all five.

Emergency Health Care Coverage

Trip cancellation or modification coverage, baggage coverage, accident coverage, emergency return trip coverage.

The price of a Desjardins Travel Insurance plan depends on factors such as the cost of your trip, your age, your answers to a medical questionnaire, if required, the coverage you choose and whether any discounts apply.

Here are some examples of the cost for Desjardins Travel Insurance single trip plans for healthy travellers based in Ontario with $1,000 in baggage coverage. These quotes are without the three-day discount for Desjardins members.

You can reduce your baggage coverage to $500 or increase it to $5,000 in $500 increments. Using the sample quote (above) of the couple travelling to Mexico, the cost for $500 in baggage coverage is $22.02, while the cost of $5,000 in baggage coverage is $40.84.

CIBC Travel Insurance

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $2,000

Related: CIBC Travel Insurance Review

BMO Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $750

Related: BMO Travel Insurance Review

RBC Insurance

Emergency medical: Unlimited Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: RBC Insurance Travel Insurance Review

The Stable for 3 Months add-on reduces the stability period for pre-existing health conditions from 182 days to 90 days. You must contact Desjardins by phone to add this to your policy.

Yes. Desjardins Travel Insurance offers several discounts:

3-Day Discount: This discount offers three days of travel insurance free of charge, including Emergency Health Care, Trip Cancellation, Baggage and Accident coverage. You must be a Desjardins member to qualify.

50% off Emergency Return Trip Premium: This discount offers 50% off the cost of Emergency Return Trip coverage (if it’s sold with Emergency Health Care coverage) that reimburses the cost of transportation from your travel destination to your home and back again due to a covered reason. You must be a Desjardins member and be between 18 and 30 years old.

Desjardins Discount: This discount offers three days of travel insurance free of charge, including Emergency Health Care, Trip Cancellation, Baggage and Accident coverage, if you have a Desjardins credit card.

Affordable Family Premium: If several members of the same family are insured under the same policy, only the two oldest members of the family (parents or grandparents) pay a premium. Kids are insured free of charge for Emergency Healthcare, Baggage and Accident coverage.

Multi-Coverage Discount: This is a cumulative discount that offers additional savings for each insurance coverage that you add to your policy.

Yes. You can buy multi-trip annual insurance if you travel more than once a year for multiple individual trips. When you purchase your contract, you determine the maximum duration of the longest trip you’ll take during the year. For example, if you plan to take four trips this year and the longest is 14 days, you’ll purchase 14-day multi-trip annual insurance.

There is no medical questionnaire required if you’re 60 years old or younger. For travellers aged 61 to 80, Desjardins offers QUATTRA annual travel insurance whereby you complete a medical questionnaire once and if your health changes, your premium or eligibility will not be affected for four years.

Here’s how the cost compares for each single-trip plan and a multi-trip annual plan:

Worldwide emergency travel assistance is available 24/7 by calling the Assistance Centre.

When you have a travel emergency, depending on your coverage, the following support may be available:

• Referral to a doctor, hospital or clinic
• Help getting you admitted to a hospital or clinic
• Arranging for transportation if you need medical care
• Monitoring your case
• Arranging for you, a travelling companion, your spouse or dependent children to be returned home
• Handling the formalities in the event of your death
• Bringing a bedside companion to your destination if medically prescribed
• Emergency messaging to your family
• Replacing lost, stolen or damaged tickets, identification or official documents
• Finding lost or stolen baggage
• Arranging support in the event of legal problems
• Translation and interpretation services

The Assistance Centre also provides the following pre-trip services:

• Advice on precautions to take while travelling
• Itinerary planning
• Information on passports, visas and vaccinations required

If you have Emergency Health Care coverage, you must contact the Assistance Centre before going to a hospital or any other healthcare facility. If you can’t call yourself, someone needs to call on your behalf within 24 hours of your accident or illness. If you can’t prove that you were unable to contact the Assistance Centre, you’ll be responsible for paying 30% of eligible expenses, up to a maximum of $3,000.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

With a Desjardins Travel Insurance policy, any pre-existing conditions must be stable for 90 or 182 days, depending on your age and health status, before departure to be eligible for coverage.

In particular, for an Emergency Health Care policy:

• If you’re under 55 or bought the Stable for 3 Months option, the stability period is 90 days before your departure date.
• If you’re 55 or older and haven’t bought the Stable for 3 Months option, the stability period is 182 days before your departure date.

For a Trip Cancellation or Modification policy, the stability period is 90 days before you buy the coverage.

According to Desjardins, an injury or medical condition is considered stable if you answer “No” to all of these questions:

• Did you have new symptoms or were the existing symptoms more frequent or intense?
• Did you see or were you waiting to see a doctor (except for a routine check-up) or did a doctor recommend you be seen by another doctor?
• Did you have surgery or did a doctor recommend you have surgery?
• Did you undergo an examination or a test or did a doctor recommend that you undergo an examination or a test for which you have or have not received the results?
• Were you hospitalized?
• Did you start a new treatment or a new drug or were you prescribed a new treatment or a new drug?
• Did you have a change in treatment or medication (quantity, frequency or the medication itself) or were you prescribed this type of change? (This does not include a routine adjustment to insulin or Coumadin, or replacing a brand-name drug with a generic drug if the dose is the same.)

In addition to pre-existing conditions, there are a number of scenarios not covered by travel insurance, known as exclusions, and it’s critical to know what not to do before you make a claim. The following are some exclusions to coverages provided by Desjardins Travel Insurance:

• Travelling against medical advice
• A terminal illness where your life expectancy is less than 12 months
• Expenses if the purpose of the trip is to receive treatment or medical care
• Expenses if you leave on your trip knowing that you are likely to need medical care
• Any optional or non-emergency care
• Care, treatment, surgery and any complications related to cosmetic purposes
• Any medical care not covered by your provincial or territorial insurance
• Life-sustaining drugs that you take on an ongoing basis, including insulin, nitroglycerin or vitamins
• Expenses resulting from pregnancy, miscarriage, childbirth or any complications that are incurred after the first 32 weeks of pregnancy
• Any expenses incurred after you refuse direction from the Assistance Centre to change hospitals or clinics, undergo a diagnostic examination or return to your home province or territory
• A riot or criminal act
• Any professional sporting activity
• Any sporting event that awards cash prizes
• High-risk sports and activities including: Hang-gliding and paragliding, parachuting and skydiving, bungee jumping, climbing and mountaineering, freestyle skiing, kitesurfing, scuba diving unless you hold a basic scuba diving licence from a certified school, any combat sport, any competition, speed event or other high-risk activity, including training activities, whether on approved tracks or elsewhere, and whether or not it involves the use of a motor vehicle
• Self-inflicted injury, suicide or attempted suicide
• An accident or medical condition caused by the use or abuse or drugs, medication or alcohol
• An expenses incurred at your destination when there’s an “avoid all travel” travel advisory in effect
• Damage or theft of glasses, contact lenses or their accessories
• Damage or theft due to carelessness
• Damage or theft of money, tickets, bonds, securities and documents, professional equipment, food and drinks, illegally acquired items or any item for which you can request compensation from the common carrier
• Damage due to wear and tear, manufacturing defects or to fragile or brittle objects

To be eligible for Desjardins Travel Insurance you must be:

• A Canadian resident
• Covered by the government health insurance plan of your home province or territory for the entire duration of your trip

In addition, your contract must be issued before your leave on your trip and for the duration, and you must depart and return from your home province.

You can file a claim 24/7 online or by telephone. You must submit your claim within 90 days of the event and submit any information, documentation, proof and authorizations required within 90 days of being asked for it. Within 60 days of receiving all the required documentation, Desjardins will either reimburse you for any out-of-pocket expenses or send a letter explaining the reason for denying your claim or only paying a portion of it.

If you are making an emergency medical claim, documentation may include (but is not limited to):

• Original invoice with the date the care was provided, the name of the insured who received the care, the diagnosis, a description of the care, the signature of the doctor who provided the care and the cost

For a trip cancellation or modification claim, you may be asked to provide:

• Unused transportation tickets
• Official receipts for the additional transportation costs incurred
• Receipts for hotel reservations, car rental, cruise fees, etc., indicating the non-refundable amounts in the event of a cancellation
• Receipts for the living expenses incurred
• An official document stating the cause of the claim
• A medical certificate, including the complete diagnosis and an explanation on why the trip could not be taken as planned

If you are making a baggage insurance claim, you may need to provide:

• Proof of the value of the belongings, such as receipts or credit card statements
• A report from the local police
• A written statement from the transportation company (in the event of loss or damage)
• Proof that your luggage was checked and receipts for clothing and toiletries purchased due to a delay

If you are making an accident insurance claim, you may need to provide:

• An official document indicating the cause of death
• A death certificate, original or certified copy
• A copy of the police report (or other local authority) indicating the circumstance of the accident
• A medical report confirming loss of use

Desjardins Travel Insurance FAQs

Does desjardins travel insurance pay for medical costs upfront.

According to the company, “The insurer will generally pay the hospital bill directly so you don’t have to, though some hospitals may require the patient to pay immediately.”

Does Desjardins Travel Insurance offer coverage extensions?

Yes. Your Emergency Health Care, Baggage, Accident (while travelling) and Emergency Round Trip coverage is automatically extended for up to 72 hours if your return home is delayed due to a transportation issue. Your Trip Cancellation or Modification coverage and your Accident (while on a plane) coverage is extended until you return home. If you or your travelling companion are hospitalized for at least 18 consecutive hours, your coverage is extended for the period of hospitalization, plus up to 72 after discharge.

If you want to stay longer on your trip, you can extend your coverage if you apply and pay the premium before the expiry date of your policy. You need to contact the insurer between specified hours between Monday and Saturday. Depending on your coverage, you may be required to complete a medical questionnaire.

Does Desjardins Travel Insurance require a medical questionnaire?

Yes. Travellers aged 61 and over are required to complete a medical questionnaire.

Does Desjardins Travel Insurance have any age restrictions?

Yes. You must be a minimum of 15 days old to be covered under a parent’s insurance policy and at least 18 years old to purchase your own policy.

When does my coverage with Desjardins Travel Insurance begin?

In general, if you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your medical and modification coverage, if purchased, begins when you leave home.

Does Desjardins Travel Insurance offer a free look period?

Desjardins does not advertise a free look period. However, Desjardins does offer refunds under certain circumstances. (See below.)

Can I get a refund with Desjardins Travel Insurance?

Yes, in some situations.

For Emergency Health Care, Baggage, Accident and Emergency Return Trip coverage, you’re eligible for a refund if you never left on your trip and:

• You cancelled your coverage before the planned departure date.
• You haven’t made any claims.

For Trip Cancellation or Modification coverage, you’re eligible for a refund if all of the following conditions are met:

• You requested a cancellation within 10 days of buying your policy.
• You requested a cancellation before your planned departure date.
• You purchased coverage more than 10 days before your planned departure date.
• You have not made any claims.

If you returned earlier than planned and have Emergency Health Care, Baggage and/or Accident coverage, you’re eligible for a refund for the days remaining on your trip if you haven’t made any claims.

No refunds are available for Trip Cancellation or Modification and Emergency Return Trip coverage.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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Preparing to travel abroad? We can help you plan your trip so you can make the most of it.

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Protect yourself with insurance

When you travel outside your home province, even for a day, travel insurance will protect you from the unexpected.

Individual travel insurance

Don't have travel insurance? There's still time to find a plan that suits your needs.

• Various coverage options (healthcare, accident, cancellation, baggage)
• 24/7 assistance services

See our travel insurance coverage  This link opens the page Travel insurance.

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4 more ways to get insured

Individual travel insurance is one way to protect yourself when travelling. Your credit card or group insurance may also include travel insurance coverage. View your documents to learn more about conditions, exclusions and limitations that may apply.

Credit card

Many of our credit cards offer full coverage travel insurance.

Group insurance

Some group plans include travel insurance with healthcare and cancellation coverage.

Auto insurance

Your auto insurance covers renting a car or driving your own car within Canada and the United States.

Home and civil liability insurance

Your home and civil liability insurance protects your home while you're away. It can also protect you if you become civilly liable during your trip.

Take advantage of your credit card perks

Using credit cards is a convenient way to pay for expenses while travelling. With our Odyssey ® credit cards, you can benefit from many travel perks.

These include:

• Discounts and free passes to the Desjardins Odyssey Lounges at Montréal-Trudeau International Airport
• Our BONUSDOLLARS rewards program ®
• Auto rental collision and loss damage insurance

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On eligible transactions, your BONUSDOLLARS can pay all or a portion of your travel-related expenses: 1

• Accommodations (bed and breakfast, hostel, hotel, short-term rental)
• Transportation (plane, car, train, bus)
• Restaurants
• Entertainment

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* For Desjardins members or if you have Desjardins Travel Insurance, a Desjardins credit card or group insurance that includes travel insurance with Desjardins.

BONUSDOLLARS ® and Odyssey ® are registered trademarks of the Fédération des caisses Desjardins du Québec.

1. BONUSDOLLARS can be redeemed for eligible products and services within 60 days of buying them. BONUSDOLLARS will be deducted from the accrued balance at the time of redemption. They do not earn additional BONUSDOLLARS. Minimum redemption of 20 BONUSDOLLARS.