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Is Medipac travel insurance the best in 2024?

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Visiting another country or province without travel insurance can be a costly mistake. Indeed, did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

It is not fun to think about, but travel insurance is a necessity when you are away from home . It guarantees your ability to get and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance can also help with flight issues and lost luggage, amongst other things.

That being said, what to think about Medipac travel insurance in Canana? What coverage is Medipac providing? For what price? What are its pros and cons? Read our review on Medipac's medical travel insurance, get a quote, and see how the competitors fare.

Our 2024 review of Medipac travel insurance

Medipac Travel Insurance is owned by the Canadian Snowbird Association and the Royal Canadian Legion.

It offers a variety of travel insurance plans with extensive medical coverage and clear pricing.

See below Medipac's travel insurance pros and cons:

Why Medipac could be right for you:

24/7 worldwide emergency assistance A variety of travel insurance options Coverage is up to $5 million and includes coverage for COVID-19 Plans well-adapted for long stays in the United States

Why Medipac may not be right for you:

Why it may not be: You must contact Medipac prior to seeking medical treatment to receive the maximum allowable reimbursement Being above 60 might require filling a medical questionnaire. Lacks coverage for trip cancellation, trip interruption and lost luggage

Before choosing Medipac travel insurance, compare options and quotes. A little shopping around can help you to save money and find a coverage that really fits your needs:

Compare the best travel insurance plans on the market!

What does Medipac travel insurance cover?

Medipac offers extensive coverage on medical and travel interventions. Emergency medical assistance is well-covered. Purchase single trip or annual 23-day or 33-day plans.

Medipac's main plans:

MedipacPLUS

The coverage plan for MedipacPLUS is up to $5 million, and also offers $2 million in case of COVID-19 related emergencies. Coverage amounts are less than the MedipacMAX plan.

With MedipacMAX insurance, there is medical coverage up to $5 million for medical emergencies and assistance. Discounts are available for first-time clients and members. This plan offers up to 10% discount for subscribers who remain claim-free. Baggage is covered up to $1,000.

For more information on Medipac travel insurance, download the PDF below:

Internal travel is budget-friendly with Medipac with provincial discounts available.

Good to know

Most credit cards offer some king of travel coverage . It rarely is as covering as a travel plan purchased with a private insurance company.

How much does a travel insurance with Medipac cost?

The cost of travel insurance coverage with Medipac depends on several variables:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Therefore, we advise you to get a customized quote for an accurate rates for Medipac travel insurance.

Before settling on Medipac travel insurance, check out other travel insurance plans, coverages and prices using our free comparison tool below:

How to purchase a travel insurance plan with Medipac?

Medipac offers purchases of its travel plans directly on their website, or via call to 1-888-633-4722.

How to file a travel insurance claim with Medipac?

Medipac insurance allows you to file your claim directly online, on their website (medipac.com). You can also contact their customer service on the following phone number: 1-888-633-4722.

Does Medipac cover Covid-19-related travelling issues?

Medipac offers coverage of up to $2 million for COVID-19-related illness. Buyers can benefit from a 5% discount on their coverageif they have been vaccinated against COVID-19.

How can I contact Medipac travel insurance?

Contact Medipac travel Insurance via their website or by phone number:

• For emergencies call: 1-800-813-9374
• For non-emergencies call: 1-888-633-4722

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1-888-550-8302

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

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A Quick Guide to Canadian Snowbird Travel Insurance

Tired of living in the cold? Wish you were someplace warmer? If you are unattached to Canada’s harsh winter season, it may be in your best interest to consider spending that time abroad. And while having a few yearly getaways is important for your well-being, it is equally as important to make sure those trips are well insured and protected. Insuring the snowbird lifestyle has never been easier, and this form of travel insurance is becoming more popular with seniors and northern vacationers alike. This article is a short and simple guide to help you understand Canadian snowbird insurance and make the right decision.

BEST SNOWBIRD TRAVEL INSURANCE PLANS IN CANADA

ONTARIO BLUE CROSS                                               

• Emergency medical care, health follow-up in Canada
• Trip cancellation/interruption protected, baggage protection
• $5,000,000 CAD in medical coverage per trip
• Hospital bills, professional medical worker fees, and emergency treatment dues are all covered
• Transportation expenses covered for visiting relatives (if hospitalized for over one week)
• $5000 CAD for driving service vehicle returns back to Canada
• $3000 CAD for meals and comfort if medical emergencies delay travel
• $2000 CAD for emergency dental operations
• Partnered with BlueCross/BlueShield (large U.S. healthcare network)

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MEDIPAC TRAVEL INSURANCE                                                

• All short trips covered within a year (23-33 days each)
• One trip covered within a year (1-212 days)
• $2,000,000 - $5,000,000 USD in total coverage per trip
• Claim free discount = up to 10% savings
• Loyalty discount = up to 8% savings
• Province-based discount = 5% savings (PEI, Nunavut, Northwest Territories, Yukon)
• Top-up option provided
• Official member of the Canadian Snowbird Association

WHAT YOU NEED TO KNOW ABOUT SNOWBIRD TRAVEL INSURANCE

What is snowbird travel insurance.

Snowbird travel insurance is a financial product for Canadian travelers that desire to move somewhere with pleasant weather during cold seasons. In most cases, it is purchasable as a bundle of policies that includes both medical and travelling expense coverage. Snowbird protection plans work to keep you financially secure during your stay abroad in the case of negative unforeseen events. Even the most basic snowbird travel insurance plans will help ease the burden of foreign medical bills, and relieve some of the stress related to travel accidents. Much like other versions of travel insurance, there is no “standard” snowbird package – your policies (and snowbird insurance premiums) will be tailored to your needs.

Why Do I Need Snowbird Travel Insurance?

If you get injured outside of your current healthcare jurisdiction, the costs for any medical procedures or pharmaceuticals won’t be automatically covered. Snowbird policies are especially important for Canadians who plan on travelling to warm parts of the U.S. during winter, since U.S. medical costs are notoriously high. Without any form of out-of-province health insurance, an unfortunate accident can easily set you back thousands of Canadian dollars in hospital bills. As a result, it is generally recommended to pick a snowbird plan that offers at least a few million dollars in total coverage – after all, insurance is all about being on the safe side.

What Are The Types of Snowbird Insurance Policies?

When travelling to a foreign destination, you can either sign a single-trip or multi-trip snowbird policy. A single-trip plan is a cheaper alternative to multi-trip offerings, but it only protects you for one annual fixed period (usually the total duration of your stay abroad). If you planned on making additional trips in the same year, a multi-trip plan may be necessary. Multi-trip plans will typically grant unlimited trip coverage for 365 days since the effective starting date of the policy, although they come with a limit on how many days you’re able to spend in one destination (generally no more than 30-60 days per location). To remedy this, some snowbird insurance providers offer “top ups,” which allow you to pay in advance for additional days on the end of your stay. You could even find snowbird travel insurance plans that allow you to buy top ups from your destination – although these are likely offered at a higher fee.

How Much Does Snowbird Travel Insurance Cost in Canada?

The cost of a snowbird travel insurance policy is reflected in its insurance premium. Theoretically, the higher your snowbird insurance premium is, the greater the amount of coverage you will have. Most importantly however, there is no “one size fits all” snowbird premium because every traveller is unique and has their own separate needs. As a result, it is important to search for snowbird travel insurance plans that best suit your travelling requirements, not necessarily whichever one has the lowest premium. Another important factor to consider about snowbird insurance policies is the deductible amount in a claims situation. Snowbird providers will seek a deductible amount that you pay out of pocket for any medical/travel related expenses before they pay for the remaining balance. Deductibles however can be agreed upon early for your advantage, since locking in a high deductible can significantly lower your insurance premium. On the other hand, if you suspect you could run out of short term funds on your trip abroad, the other option is to lock in a low or zero-deductible (although this would drive up the insurance premium as a result).

OUR THOUGHTS ON CANADIAN SNOWBIRD TRAVEL INSURANCE

Snowbird travel insurance is the ultimate travel insurance for senior cold weather escapees. It’s the ideal coverage plan for retirees that plan to leave the country for a generous period of time, since it puts an emphasis on medical security. If you don’t have any obligations to endure a cold Canadian winter, why stay? Take advantage of snowbird travel insurance and join the thousands of Canadian retirees who temporarily migrate south for a warmer climate.  The best part is, you could insure more than one trip per year under the same plan, if you plan on travelling frequently. Don’t leave your health expenses up to chance – make sure you stay covered whenever you depart the country.

Considering a home equity line of credit to add a much needed boost to your pension-based income? Read up on reverse mortgages instead on our article about Mortgages/Reverse Mortgages

Snowbird Travel Insurance Frequently Asked Questions (FAQ)

What affects my snowbird insurance premium.

The five main factors that determine your snowbird travel insurance premium are age, current health status, travel destination, duration of stay, and the agreed upon deductible. Statistically, the older you are the more likely you are to fall victim to health complications. Your current health (and any future projections made about it) is also a major price determinant; if you’re already dealing with significant health issues, your snowbird insurance provider will see that as an expense they will likely need to cover abroad. Your travel destination’s importance is weighted on the cost of healthcare in the foreign country. A country like the U.S. features very high healthcare costs relative to other nations, so naturally this would increase your premium. Your trip duration is important to consider as well since it also represents the amount of time your insurance provider needs to be able to support your claims. Naturally, a longer time period puts you at a higher risk of making a snowbird insurance claim, so premiums will rise. Lastly, a snowbird travel insurance deductible can serve to make your insurance premium more/less competitive. If you’re willing to accept a higher deductible on claims, you will be rewarded with a substantially lower insurance premium.

Am I eligible for snowbird travel insurance in Canada?

In order to become eligible for any snowbird insurance policies, you’ll have to meet a few requirements. While some snowbird insurance providers in Canada will ask for specific information, there are a few criteria that you can universally expect from any plan. Snowbird insurance providers will only offer you protection if you sign a deal before making a departure – so all coverage negotiations must be made on home soil. Furthermore, your coverage must cover the entire duration of your trip abroad, and you also need to be backed by provincial coverage in your home area. Occasionally, your insurance provider will be able to recover expenses from your provincial healthcare plan, so being insured in this way is a necessity. Last but not least, to achieve the best conditions possible for both yourself and your snowbird insurance provider, you need to avoid misrepresentation on any application forms – most importantly medical.

What are the medical requirements for snowbird travel insurance in Canada?

Since snowbird travel insurance plans are very popular with senior travelers, most providers will require you to fill out a comprehensive medical questionnaire. Typically the questionnaire will involve common health risk conditions that will ultimately factor into your insurance premium. Each question on the questionnaire will have a different weighting, although some universally important (and frequently spotted) questions involve: smoker/non-smoker status, vital organ conditions, existence of medically treated diseases, history of cancer within the family, and blood pressure levels.

How do I make a snowbird insurance claim?

In the vast majority of cases, your Canadian snowbird travel insurance provider will ask that you reach out to them first – prior to seeking out medical attention. This is because your provider likely has deals with certain medical centres in foreign areas that give them preferred rates. Unless you are experiencing a critical medical emergency, neglecting to contact your insurance provider first can result in claim denial. To begin the claiming process, your provider will directly mail you a “Claims Kit” that includes all of the forms necessary to start filing your situation. These forms usually request personal documents, identification, and paperwork/proof related to your incident so that payments can be expensed. In terms of who pays the medical bills, your insurance provider will likely coordinate with medical centres to pay off expensive health treatments for you, while smaller expenses may be reimbursed down the road.

What can I bring into the US from Canada?

United States import duties on specific items involve a set of very complicated rules. Due to their likelihood of being changed on a regular basis, it’s hard to find reliable information on the topic. Given this, the best places to check for import news on certain products are U.S. government official websites. As a rule of thumb, the one protocol that never changes in a border crossing is declaration of goods. If you plan to carry your luggage with you into the country, you need to fill out a CBP-CD (Customs and Border Protection – Customs Declaration) form that correctly identifies what you’re bringing in. If instead you expect to receive your luggage into the U.S. through mail, you’d fill out a CBP-DFEUA (Customs and Border Protection – Declaration for Free Entry of Unaccompanied Articles) form. While there are some minor restrictions on household items (electronics, clothing, furniture, decorations, toys, etc.) in most cases those kinds of products are allowed – as long as you have no intent to sell.

Medication is a more complex category, as it follows a more strict set of rules; the best advice we can offer on this topic is to pack no more than a 90-day supply of prescription, accurately labelled, and doctor note-signed pharmaceuticals in your hand luggage. If you plan on staying in the country for longer than 3 months and need a prescription fill up, you could get a medical package delivered by mail as long as it’s properly declared and accepted at the border.

Alcohol, tobacco, and cash are transferable across the border under a certain limit. If you exceed their respective limits, you’ll be liable to pay duties on every surplus unit. Each 21 year old adult is limited to a litre of alcohol of any kind, 100 cigars, 200 cigarettes, and up to $10,000 in cash (any cash amount higher than this MUST be declared).

For more restricted categories, do note that illegal narcotics and recreational drugs are not allowed past the border under any circumstance, such as marijuana, absinthe, and non-prescription painkillers. Food is also a highly restricted category, and we advise you not to bring in your own food under most circumstances to avoid border issues. Keep in mind that food is a commodity, and you can easily find grocery stores once you cross into the United States.

How do I import a car from Canada to the US?

If this is something you’re seriously considering, know that the process is neither simple nor cheap. Before you begin the process of registering your Canadian vehicle under the United States rulings, make sure you acquire written approval at the border first – where you must declare your intention to convert the car. Since Canada is a part of NAFTA, you’d most likely be exempted from paying a duty on the importing of one car.

To proceed from this point on, you will need to ensure that your automobile is compliant with US safety and emissions regulatory standards. Since you’re importing from Canada, your car should already be manufactured for road safety – check for a FMVSS or CMVSS sticker somewhere on the vehicle, which signifies that the car is safe to drive. If by unlikely chance your car is not certified by FMVSS/CMVSS, importing it may not be worth the effort. Additionally, your vehicle must also have a solid emission control system. Emission control system standards are practically identical between Canada and the US, so as long as you can prove it with an EPA (Environmental Protection Agency) or similar label, you should have no issues meeting the US emission requirements.

Depending on which state you choose to reside in during your snowbird period, you may need to acquire a US driver’s licence if they don’t carry over your Canadian one. Since you’re already a registered driver in Canada, the application process should be fairly easy, assuming you’re equipped with multiple pieces of personal ID and are willing to pay any associated bills plus renewal fees. You’ll also need to sign up for US car insurance, since you’ll be driving outside your Canadian car insurance company’s zone of influence. Tip: You might snag a better deal on car insurance if you explain your snowbird situation to your insurer (you’d only be driving the car for a few months during the year).

Once all the relevant paperwork has been signed, you finally qualify for the official inspection in order to become US registered. If your car passes the test, you’re eligible to receive a pair of US licence plates. Of course, if you’re looking to avoid all of this hassle, you could always just buy another car that’s already registered under the United States.

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Medipac Travel Insurance – Happy Customers

Posted date : Nov 7, 2017.

Dear Bird Talk,

I would like to share with Canadian Snowbird Association members our experience this past spring with Medipac Insurance. We had just begun our return to Canada from a five-month stay in south Texas and chose to stop for our first night at Shreveport/Bossier City, Louisiana. About midnight, my husband Steve awoke with chest pain, sweating and nausea. I called Medipac at about 12:30 a.m. and spoke to Heidi, an RN, who asked questions about his condition. She reassured us, but said that Steve needed to go to a hospital.

I kept Medipac informed as Steve was taken to the heart catheterization lab where balloon angioplasty was performed to clear the blockage by 3:30 a.m. the same night. Medipac was in touch each day checking on Steve’s progress and, later, making plans for his flight from Shreveport to Toronto.

All of the staff at Medipac were terrific. They were patient, friendly, helpful, reassuring and efficient. In a stressful situation, they only aided in reducing stress. Even Steve’s American cardiologist complimented Medipac on being genuinely concerned about their patient and being proactive in managing Steve’s care.

Medipac had all medical invoices sent directly to them to handle, so we have not seen a bill. My hotel and food expenses in Bossier City were covered, as well as my expenses to bring our truck home and, of course, Steve’s flight home was paid.

The story ends well with Steve back in good health and both of us back home in Canada. With the excellent quality of client care provided by Medipac, I would not even consider another insurance company and I would strongly recommend Medipac to anyone travelling outside of Canada.

Lynn Reid & Steve Chyril

Response: We are all getting ready to head south and I thought that it might be appropriate to remind everyone what Medipac is all about. Thank you, Lynn and Steve, for your very kind words. Travel safely everyone and we hope to see you at one of our events.

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Best travel insurance in Canada

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You’ve packed your bags, mapped your itinerary, and set your “out of office” message – it’s vacation time! But what about travel insurance?

According to a 2019 study by the Travel Health Insurance Association of Canada, 13% of Canadians aren’t sure if they have travel insurance before they go on vacation. Of those who have bought insurance, 17% don’t know what their policy covers.

As a professional travel writer, I find this rather alarming. Canadian health insurance is not valid outside Canada, and your provincial or territorial health plan may not cover all the costs even if you’re travelling domestically. If you suffer an accident or get sick abroad, unexpected medical bills can bankrupt you. It’s why the Canadian government  advises all travellers to buy travel insurance , and I never leave the country without it. Whether you’re taking a two-week trip or a gap year abroad, every one needs the best travel insurance in Canada, regardless of age, health status, destination, or length of vacation.

World Nomads: Best for thrill seekers

Designed for adrenaline lovers with wanderlust, World Nomads insures a long list of adventure sports, activities and volunteer/work experiences, as well as sporting equipment delay/loss/theft. You also get access to a 24/7 hotline that provides information that adventure travellers may need: weather reports and travel advisories, assistance locating the nearest trail, and finding a gear shop.

The standard policy covers emergency medical expenses up to $5 million, emergency dental, trip cancellation/interruption/delay, baggage delays/theft/damage, and more. The downside: you must be under 66 years of age to qualify.

CAA Travel Insurance: Best for families

A long-trusted Canadian institution, CAA travel Insurance offers flexible travel plans to suit every type of traveller and vacation, but their policies are particularly great for families. Their stand-alone emergency medical policy of up to $5 million in health coverage is extremely comprehensive, even including medical repatriation, emergency dental, and reimbursements for pet care and kenneling.

The Vacation Package Plan provides full cancellation/interruption insurance – ideal for prepaid, all-inclusive vacation packages – as well as family transportation and escort of children during emergencies. Anyone can buy CAA travel insurance, but members get a 10% discount.

CAA’s emergency medical plans also now include coverage for COVID-19-related illnesses for vaccinated customers. Coverage is up to $2.5 million if partially vaccinated and up to $5 million if fully vaccinated.

Blue Cross: Best for seniors and retirees

Blue Cross has been around for more than 70 years, and 1 in 4 Canadians utilize its travel insurance. Blue Cross’s emergency medical covers up to $5 million. It has special “snowbird” travel insurance packages designed for Canadians who head to warmer climates each year, making Blue Cross ideal for retirees.

Part of the package is the recently launched Serenity Service. This free perk provides a range of benefits if your flight is delayed, including access to an airport lounge or even a hotel room (depending on the length of the delay). Pre-existing conditions are generally not covered.

Travel CUTS Bon Voyage Insurance: Best for budget travellers

Starting at only $1.36 a day, Travel CUTS Bon Voyage Insurance offers very affordable travel insurance packages, and it’s personally been my “go-to” travel policy for years. Yes, it’s geared toward students (e.g., you can swap your travel dates at no charge due to an exam schedule conflict), but anyone between 15 and 50 years of age can purchase a policy.

The standard package includes hospital and medical up to $1 million, dental care, air ambulance evacuation, flight accident, accidental death or dismemberment, and trip interruption/cancellation insurance. Adventure and extreme sports are also covered.

Manulife CoverMe: Best for Canadians with pre-existing medical conditions

Manulife CoverMe offers highly comprehensive Canadian travel insurance packages for those travelling as a family, a visitor to Canada, or a student. You also get access to the TravelAid mobile app, which provides directions to the nearest medical facility and local emergency telephone numbers.

However, the stand-out feature is arguably TravelEase – a special policy designed to cover fully disclosed medical conditions. For travellers with pre-existing conditions, it insures a bunch of expenses for health services and transportation. It provides up to $10 million in emergency medical benefits – a unicorn in the travel insurance world.

Medipac Travel Insurance: Best for emergency medical assistance

Medipac is one of the only travel insurance companies out there that is staffed by their own team of trained medical professionals, via their Medipac Assistance hotline. Medipac’s medical professionals are your first point of contact in an emergency medical situation. This service is also helpful for dealing with foreign medical systems and helping to prevent unnecessary expenses when dealing with a large deductible.

Medipac offers several competitive features for their travel insurance plans, including no age limits, a claim-free discount, and a 90-day stability period for most pre-existing conditions. If your pre-existing medical condition isn’t covered by a standard Medipac insurance plan, Medipac also offers personalized, underwritten insurance policies to help you meet your needs.

Medipac is offering a 5% Vaccine Discount to clients who have received a minimum of one dose of a COVID-19 vaccine, as well as the new MedipacMAX option. This COVID insurance option provides maximum coverage of up to $5 million USD for COVID-19, in addition to its other benefits.

Allianz Travel Insurance: Best for frequent travellers

Touted as a world leader in the Canadian travel insurance and assistance industry, Allianz Travel Insurance is a major provider of travel insurance, corporate assistance, and concierge services. It seeks to help its customers find solutions to various travel-related problems. Allianz Travel has partnered with many reputable companies, including travel agencies, airlines, resorts, websites, event ticket brokers, corporations, universities, and credit card companies.

Allianz Travel Insurance is a great choice for anyone looking for travel insurance. Its single-trip plans are perfect for those leaving home and visiting another destination (or destinations) before going back home. Its parent company, Allianz Global Assistance, has five plans to choose from, all offering different levels of protection and coverage.

Allianz Travel Insurance’s annual/multi-trip plans are perfect for both personal and professional travelers who take multiple trips in a year. It offers four distinct options to choose from.

Will my provincial insurance be valid overseas?

No! If you get sick or injured overseas, the Canadian government will not cough up a dime to cover your medical costs. Here are the sobering facts:

• Canadian public health insurance is not valid outside of Canada.
• Foreign hospitals can be extremely expensive and may demand payment before treating you.
• The Canadian government will not pay a Canadian’s medical bills for an illness or accident suffered abroad. You’re on the hook for footing the bill!

Will my provincial insurance work in another province/territory?

Flash your valid provincial health card in another part of Canada, and you’ll likely be covered for some of the same services insured by your home provincial plan. This is because the provinces and territories (except Quebec) signed an agreement whereby the host province foots the bill for any medically necessary health care services and gets reimbursed by the home province later.

However, that doesn’t mean you’re completely out of the woods. Depending on your destination, a slew of other services may not be covered, such as an ambulance, hospital transfer, prescription drugs, transportation back to your home province, and procedures not currently approved by your home plan.

Plus, since Quebec wasn’t a signatory to the interprovincial billing agreement, you’ll likely be charged for any medical bills incurred there. For this reason, it’s recommended that you buy extra travel insurance (or verify your  credit card’s travel insurance coverage ) to cover any uninsured health care services that may crop up during your trip.

What does the best travel insurance in Canada cover?

Every travel insurance policy is different and what’s covered depends on how much you’re willing to pay for coverage. Typical medical services that you can expect to be covered include:

• Emergency hospital and medical costs
• Ambulance and air ambulance costs
• Outpatient services
• Physician and laboratory costs
• Prescription drugs
• Direct payment to the hospitals and doctors caring for you
• Assistance with bringing a family member to your bedside
• Air ambulance or commercial repatriation home
• Return of your vehicle if you are ill and have to come home

Additional benefits may include:

• Trip cancellation for non-refundable monetary losses
• Trip interruption
• Baggage loss, rental car damage, out-of-pocket expenses
• Accidental death and dismemberment

How much coverage do I need?

Securing a policy with a minimum of $1M maximum payable is a safe bet. But don’t just look at the numbers when choosing a policy – read the fine print. Every insurer has a list of situations in which coverage is not provided, otherwise known as “exclusions.” Check whether your provider includes coverage or has provisions for the following:

• Pre-existing medical conditions: According to the International Association for Medical Assistance to Travelers, a pre-existing condition is “something that happened (or started to happen) before you were insured.” Some policies may cover claims relating to pre-existing conditions that are “stable and controlled,” but read the definitions carefully. If you don’t declare a condition, the entire policy could be invalidated!
• Medical evacuation: Ensure the policy covers medical evacuation to the nearest hospital and/or to Canada and the costs of a medical escort to accompany you to your final destination.
• Repatriation in case of death: On the grim side, ensure that your plan covers the preparation and return of your remains to Canada.
• Adventurous Activities: If you plan on engaging in “high-risk” activities on your trip, you may need to shell out extra dough for a more comprehensive plan. Many policies don’t cover “risky” activities, such as skiing or snowboarding “out of bounds,” skydiving, scuba diving, white-water rafting, mountaineering, or participation in any rodeo activity. To cover your bases, ask questions and get specifics before purchasing a policy.

You may have to pay more to have these things included, but a few extra bucks may be worth it for peace of mind.

Should I buy “a la carte” travel insurance or get a travel credit card with free insurance?

A credit card with travel insurance is always a good thing to carry in your wallet. The  best travel credit cards in Canada  usually cover everything from emergency medical costs to trip cancellation/interruption to flight delay to rental car insurance, which could save you a wad of cash.

The  Scotiabank Gold American Express ® Card  has saved my butt a few times, and I’ve filed several travel-related claims through my card. I cancelled my trip to Portugal a few years ago due to a death in the family, and I got a full refund on my hotel deposit and flights for myself, my husband, and my baby. It totally justified the $120 annual fee.

That being said, don’t rely on your credit card to take care of all your travel insurance needs. It usually includes a basic policy, meaning it offers low (or no!) travel medical insurance as part of the package. Like any travel insurance company policy, you’ve really got to read the fine print and understand the conditions of your policy to avoid sticky situations.

For instance, the Scotiabank Gold American Express ® Card requires a cardholder to have charged at least 75% of trip expenses to make a trip cancellation/interruption insurance claim. So if you book an all-inclusive vacation for $5,000 and then cancel due to illness, at least $3,750 must have been charged onto your AMEX to qualify for a claim. If you didn’t do that, you’re out of luck.

Can I still purchase insurance if i’ve already started my vacation?

The short answer: most insurance providers won’t cover you after your departure date. However, a handful of insurers (such as World Nomads) will allow you to purchase a policy while already overseas. Just know that it can come with sky-high costs and/or conditions: World Nomads has a 48-hour waiting period before coverage kicks in. The bottom line? It’s always best to buy travel insurance before leaving the country.

Can I get travel insurance for part of a trip?

Some plans offer insurance coverage options that will allow you to customize your coverage, but you’ll have to research to find one that works for your unique circumstances. Alternatively, you could take out an insurance policy for each destination and/or segment of your trip.

For instance, you could get a World Nomads policy for the two weeks you’re scuba diving in Australia, followed by a basic Travel CUTS Bon Voyage insurance to cover a month-long trip to Europe. However, when you buy Canadian travel insurance, you must select a trip start and end date – meaning you must know the exact dates for travelling to those places.

Should I carry a printout of my policy with me at all times?

I recommend carrying the travel insurance card in your wallet and locking it up in the hotel safe with other important travel documents like my passport. But don’t rely totally on paper: Wallets get lost or stolen, luggage can be delayed or M.I.A., and papers are easy to misplace when you’re on the road. My advice is to send a copy of the policy to your email and save it on your iCloud or another storage system that can be accessed anywhere, anytime.

Recommended reads

• What’s the Added Value of a Credit Card with Travel Insurance?
• The Best Travel Rewards Programs in Canada
• Aeroplan vs. AIR MILES vs. Avion

About our author

Lisa Jackson is a freelance personal finance and travel journalist, editor, and blogger who contributes to various online and print media outlets in Canada and abroad, including The Globe & Mail, Toronto Star, Islands Magazine, Fodors, BRIDES, Huffington Post Canada, CAA Magazine, The Food Network, West Jet Magazine, NUVO Magazine, and many others. When she's not writing from her home office, she's busy globe-trotting to new destinations in search of her next story.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Covid travel insurance

We got their travel insurance for a long trip to mexico. By far the best rates for medical insurance that we could find that DID cover covid. Definitely aimed at retirees that travel for long periods of time (which we were not) but it didn't matter. Decent support, no issues extending coverage, reasonable prices. Would recommend (esp if you need covid insurance)

Date of experience : January 16, 2021

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Find The Right Travel Insurance For Your Next Vacation

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Canadian Military History Trivia Challenge

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The RCL Member Benefits Package

To see how you can benefit from savings please see below. For information on how to become a Member Benefits Partner, please call 613-591-0116 .

Our Partners

Rogers discount for Legion members

Legion members like you are looking for simple, affordable and reliable cell phone service designed with their needs in mind.

Look no further! As an endorsed Legion partner , Rogers is committed to providing affordable cell phone plans , smartphones, and tablets all on Canada’s largest 5G network.

Brought to you by Red Wireless – your exclusive Rogers dealer, our dedicated team of experts is here to help you select the right device and plan for your needs such as:

• Unlimited Canada-wide talk & text starting from $20/mo.
• Affordable data plans to use your device on-the-go
• Canada + U.S. plan for Snowbirds or if you often travel to the U.S.
• Seamless international travel in 185+ countries with Roam like Home, at a low daily rate. No need to switch devices, SIM cards or get a temporary phone number.

Need a new phone? Choose from Apple iPhone, Samsung and other brands and discover new affordable ways to get your device. Already have a phone you love? No problem, bring your own and enjoy our plans without commitment.

With a fast and reliable 5G network , plans with unlimited calling , texting , and Infinite data with no data overages , as well as features like Spam Call Detect to notify you when you are receiving a spam call, you will never have to worry about your cell phone service.

This program is brought to you by Red Wireless – your exclusive Rogers dealer .

Sign up worry-free with no activation fee and our 30-day satisfaction guarantee.

Call a dedicated Red Wireless expert at 1-888-251-5488 or visit us at www.redwireless.ca/legion .

* Offer valid for new Roger’s customers only

*Some conditions apply, call or visit the website for details.

Teslica E-bikes, a Canadian company based in Ottawa since 2018, is dedicated to providing people health, happiness, and freedom through a wide range of electric bikes.

At Teslica E-bikes, we are committed to our customer’s well-being and satisfaction. Our electric bikes are designed for different riding styles and needs, ensuring a smooth and enjoyable ride for individuals of all ages and fitness levels. With adjustable pedal assistance and powerful motors, our e-bikes empower riders to effortlessly conquer urban commutes, explore scenic trails, and embrace a more active lifestyle.

We are proud to be the exclusive E-bikes partner of the Royal Canadian Legion, offering the members exclusive discounts and the freedom of exploring the outdoors and nature.

As a Royal Canadian Legion member, you and your family members get:

10% OFF all Teslica E-bikes.

Free shipping across Canada.

When there is a sale, Legion members get the 10% off in addition to the Teslica discount.

We have a showroom and a service center in Ottawa, ON. To ensure you get the maintenance and the services you need, we have partnered with professional e-bike repair centers in different parts of Canada that will soon be available nationwide.

Visit www.teslica.com to view our E-bikes and use the discount code TESLICARCL10 at the checkout.

Should you need any information, parts, or services, you can contact us at [email protected] or call +1 613-627-4285 .

LET THE RIDE BEGIN!

ULTRAMATIC: Mattresses | Adjustable Beds | Lift Chairs | Mobility Aids

Ultramatic is Canada’s leader for living-in-place home furnishings.  We help older adults live longer, healthier and happier – wherever they call home.

Our roots shoot from our iconic Adjustable Beds and Mattresses.   With over 200,000 adjustable beds sold since our beginning, Ultramatic has been improving the sleep of Canadians for decades.

A good night’s sleep can impact your physical and mental wellness: improving your health, mood, memory, and energy.  Our customers have discovered that Ultramatic sleep systems not only let you sleep better, but also allow you to live a fuller life.

We strive to have the highest quality in all our product categories, developing and sourcing as much as possible from the rich talent we have in Canada.  Below are some of our unique and exclusive technologies:

The Pillow-Tilt™:      A specialized mechanism built into our best adjustable bases and lift chairs, that provides superior support for your neck, shoulders and spine

Lumbar-Booster™:    Available in adjustable bases and our lift chairs, this proprietary technology increases support for your lower-back while sleeping or while sitting up

Matrix NanoGel™:     A trailblazing pure gel mattress comfort layer for a truly temperature-neutral, pressure-relieving sleep

SilverGuard™:           Available on select mattress models, this safe, antimicrobial protective layer fights germs and viruses to keep you healthy and breathing with ease

As a member of The Royal Canadian Legion, you and the members of your household are eligible to receive exclusive benefits towards the cost of mattresses, adjustable bases and lift chairs.  Mention that you’re a Legion member and receive:

• 25% OFF All Sleep Accessories (like Pillows and Sheets)
• $100 OFF Any Lift Chair, Mattress, or Adjustable Base Bundle

For over 40 years, Ultramatic has built an unrivalled depth of trust, helping Canadians improve their sleep and wellness.  

Contact us any day of the week to get expert advice from our highly trained staff. 

1-800-455-6421

Ultramatic.ca

Improve your Wellness. Elevate Your Life.

 Upper Canada Wills & Estates is honoured to partner with the Royal Canadian Legion to provide members with a 50% discount on standard fees for the preparation of Wills and Powers of Attorney

In a recent study published in the Toronto Star it was found that more than half of all Canadian adults did not have a Last Will & Testament or Powers of Attorney.  

The operating premise of our national business is that Canadians should have the Peace of Mind in planning their end of life decisions by using the expert advice of lawyers.  

It is important that you have Peace of Mind knowing that your Last Will And Testament properly provides the bequests to your family in accordance with your wishes. It is important that you have Peace of Mind in knowing that with properly drawn Powers of Attorney, decisions to be made for your healthcare and financial needs will be by someone you trust and can depend upon.

Lawyers will take you through the process for your estate documentation every step of the way. You will have person to person discussions on how you would like to leave your personal and real property to your family.  

The Directors of Upper Canada WILLS are Legion members too. Our fathers were World War II veterans. As a partner in providing benefits to its members, we will give a royalty to the Royal Canadian Legion for every Last Will & Testament prepared. It is a privilege to contribute to an organization that means so much to us personally.

To take advantage of this exclusive discount, please go to www.ucwe.ca/legion or call 647-370-3777

Offices Across Canada

BST Vacations (Blowes & Stewart Travel Group) is a family owned and operated, full-service travel agency that has been in business since 1949. Our 80 member team is a power house of knowledge and expertise, and is here to assist you with your travel plans, wherever you may want to go. We pride ourselves on our exceptional service, and creating extraordinary travel experiences for our clients. We are a TICO Registered agency with full trust accounting.

We are proud to be a part of The Royal Canadian Legion Member Benefits Program

As a Royal Canadian Legion member, you will enjoy exclusive pricing, upgrades and special amenities on a wide selection of vacation packages, cruises and tours. You will be able to take advantage of exciting promotions negotiated just for Legion Members, exclusive perks and extras from BST Vacations preferred suppliers, and access to custom group departures specific to Legion Members.*

*A donation will be made to the Legion for any bookings on our custom Legion groups.

BST Vacations is a designated Virtuoso agency – the travel industry’s leading luxury network. Virtuoso advisors specialize in creating unique experiences you can’t find online or plan yourself. Their connections to properties and itineraries around the world are unparalleled. Because of our association with Virtuoso, Legion Members will enjoy VIP recognition at fine hotels with room upgrades and meal inclusions, perks on cruises and tours, as well as privileged access to prestigious events around the world.

BST Vacations Travel Advisors are there for you before, during and afte your vacation.

Whether you need assistance with planning that long-awaited personal trip by land, air or sea or want to take part in more solemn customized war memorial tours, our team will look after all the details.

We invite you to stop by our offices or contact one of our BST Vacations Dream Makers today!

1-800-561-4275 / https://bstvacations.ca/royal-canadian-legion  / [email protected]

Say hello to exclusive savings on car and home insurance through belairdirect.

You need great coverage that can keep up with your schedule. Luckily, our official partner, belairdirect, has got you covered. 

We’ve teamed up with them to score special deals on insurance that’s tailored just for you, as a member of the Royal Canadian Legion . belairdirect helps simplify insurance for you, to make your life easier. You also have access to a suite of helpful digital tools that make managing your insurance a breeze!

More than just a policy.

When you get insurance through belairdirect you’re also supporting the Royal Canadian Legion.

Get your quote today and be sure to mention the Legion!

Visit belairdirect.com/groups or call:

BC, AB, ON & QC : 1 833 294.2911 | NB, NS, PE & NL: 1 833 460.4142

* belairdirect only offers home insurance in BC.

HomeEquity Bank has joined The Royal Canadian Legion Member Benefits Package (MBP), which means more variety and choice for members and their families.

We hope you take advantage of all the benefits the MBP partners offer. The savings can pay for Legion membership many times over and are one more way to attract new members to the RCL.

Like many Canadians, you may be concerned about carrying debt into your retirement years, or wondering whether your savings will stretch far enough. HomeEquity Bank empowers Canadians 55-plus by offering an option that allows them to finance their retirement on their terms. If you’ve worked hard to build equity in your home, a reverse mortgage can allow you to tap into that equity while still owning your home and living there.

HomeEquity Bank is a federally regulated, schedule 1 Canadian bank. For more than 30 years, it has exclusively served homeowners 55-plus, operating right across the country.

Now, HomeEquity Bank is pleased to announce a partnership with The Royal Canadian Legion. We appreciate and support the goals of the Legion, and this partnership allows us to provide special benefits to Legion members and their families. We’re proud to play a role in improving the lives of Canadians who have served this country.

Did you know that 42 percent of Canadian home- owners are 55-plus? If you’re among them, a reverse mortgage can help you stay in your home as long as you wish. It allows you to access up to 55 percent of the value of your home, tax-free. Use the funds in any way you wish – travel, wipe out debts or renovate your home – without having to pay it back until you move or sell. HomeEquity Bank has already helped enhance the lifestyles of thousands of other Canadians 55-plus, and 99 percent of them have cash left in the home when the loan is repaid and half have just under 50% of the equity still remaining.

If you think a CHIP Reverse Mortgage could be the right option for you, find out more about your $500 Cash Back Rebate* fromHomeEquity Bank. Be sure to mention that you’re a member of The Royal Canadian Legion. Visit www.chipmoney.ca/Legion or call toll-free 1 (877) 875-2447

Medipac Travel  Insurance provides Legion members with extensive benefits and comprehensive travel insurance protection for trips outside Canada as well as out-of-province travel within Canada. Legion members receive travel insurance for an unlimited number of trips up to 17 days, to age 64, for a premium of $65 . Medipac also offers Legion members long term travel insurance at preferential rates .

Medipac is proud to be working together with The Royal Canadian Legion!

Medipac has been protecting members of Canadian groups and associations since 1982. Travel insurance is our only business! MedipacAssist™ is our medical emergency lifeline, providing you with instant access to our medical professionals, day and night, anywhere in the world. The Royal Canadian Legion delegated Medipac with the design of an exclusive member benefit providing travel insurance to Legion members across Canada. The program contains extensive benefits and comprehensive travel insurance protection for an unlimited number of trips of 17 days each, outside Canada. It also provides coverage for an additional 60 days for your out-of-province travel, within Canada.

Medipac is honoured to have been chosen by The Royal Canadian Legion as a Member Benefits Partner. Your support is very important. As your participation grows we will share our success with your branch.

Please enrol today!

1-888-939-0001 www.rclinsurance.co m

Offering you access to special privileges and discounts

As a member of the Royal Canadian Legion, making your funeral and cemetery plans is now a little easier and economical when you choose Arbor Memorial, Canada’s leading family of arrangements providers. We offer Royal Canadian Legion members’ special privileges and discounts:

• 10% discount for Members (and their immediate family) on funeral and cemetery plans when made in advance*
• 5% discount for Members on funeral and cemetery plans made at the time of need
• Free Family Registry Estate Planner™

At Arbor Memorial, we are a trusted member of the Veteran community. Many Arbor Memorial locations have unique options just for veterans and their families. For example, you may want to pay tribute to your years of service through pictures or engraved epitaphs in the memorialization marking your final resting place. Or you may choose to personalize your casket or urn with a symbol, to represent your military experience.

Burial? Cremation? Making these final decisions is one of the heart wrenching choices your loved ones must make. By pre-planning, you can learn about the various ecological, social, and financial benefits of each method and make an informed choice that reflects your values. And your family can be spared these decisions.

For more information on planning funeral and cemetery arrangements, plus a 10% discount offer, call 1-877-301-8066 or visit  our website  today.

*Excluding crypts, offered at 5% discount when purchased in advance.

Arbor Memorial Inc.

The Royal Canadian Legion has teamed up with the professionals at HearingLife to provide the very best hearing care services to all its Members. HearingLife and its Network Partners have over 300 clinics across the Nation and form the largest network of Hearing Health care providers in Canada.

Why Register?

Because Hearing Health matters! Let us illustrate.

The HearingLife Advantage program provides Legion members and their family with exclusive discounts and offers to improve their hearing health. Visit the HearingLife Advantage website to sign up for your Club Pass card which has details of your Member special benefits as a result of the Legion’s partnership with HearingLife.

To request your Club Pass card, visit hearinglifeadvantage.ca/legion

Contact HearingLife toll-free on 888-430-8044

For Quebec on 888-415-6101

IRIS is proud to provide exclusive vision care benefits to members of The Royal Canadian Legion.

For over 25 years, IRIS has been a leader in Canadian vision care. What started as a small group of Optometrists in Quebec has grown into a large branded group of eyecare professionals working in over 150 locations across Canada. From Victoria, British Columbia to Havre-Saint-Pierre on the Gulf of St. Lawrence, all IRIS professionals share the same mission, to improve the vision of Canadians.

Healthy eyes and clear vision are among our most valuable assets; supporting learning, physical function and independence. At IRIS we believe our responsibility is to help our patients make informed decisions about how to protect this asset and achieve the best possible vision throughout their lifetime.

An annual eye examination with an Optometrist is essential to maintain eye health. To an IRIS Doctor of Optometry and their team, better vision is about more than your prescription. It’s about your history, your activities, your lifestyle, your personality and your budget. That is why we have developed the IRIS Profile, a personalized profile to help determine your unique vision requirements.

IRIS offers lenses, frames, contact lenses and eye health supplements from the world’s leading manufacturers. By understanding your needs fully, we can provide you with eye care products and services to best suit you.

We are excited to share with you, that this May 2019, we have included six more locations in Ontario to serve you, and we are continuing to grow.  Visit iris.ca/advantage   to find a location near to you.

As a member of The Royal Canadian Legion, you and the members of your household are eligible for exclusive benefits towards the cost of prescription glasses, sunglasses, contact lenses, and vision correction surgery at our Ophthalmology Centre in Laval, Quebec. We hope you will take advantage of this program and all the benefits IRIS offers, including our No-Matter-What-Guarantee and interest-free financing OAC.

Receive these offers and more when you register:

• $150 off prescription eyeglasses and/or prescription sunglasses • $50 off contact lenses • $50 off non-prescription sunglasses

Find an IRIS location at iris.ca/locations  

Learn more at iris.ca/advantage or simply Register Now to begin accessing your benefits today.

To register visit iris.ca/advantage or call 1-800-663-3937 ext 224

Safe Step Walk-in tubs help those affected by mobility issues, making bathing easier than ever before.

Safe Step is pleased to offer Legion members $2000 off the cost of a walk-in tub with full installation. For every Safe Step walk-in tub sold we will also donate $225 to the Legion. As part of Canadian Safe Step Walk-In Tub Co.’s initiative to give back, we are proud to partner with The Royal Canadian Legion’s Member Benefits Package and to help our veterans through various programs.

For many people with mobility issues or physical disabilities, what once were considered routine tasks, such as taking and enjoying a bath, can now be perceived as dangerous and challenging. Slippery surfaces, high step-ins and lack of support bars can cause falls in the bathroom that carry serious health consequences.

At Safe Step we understand that to enjoy bathing again, we need to provide the safest walk-in tub in the market that will help our customers remain safe, comfortable and independent. Safe Step walk-in tubs are loaded with safety features such as a low step-in, anti-slip surfaces, safety grab bars and a wider door that make the bathing experience safe again.

Canadian Safe Step tub Co is a Canadian owned business supplying the highest quality American made walk-in tubs with the most certifications and the best warranty in the industry.

Call today, toll-free 1-888-864-8701 or visit www.SafeStepTubs.ca

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