A La Carte Travel Insurance - Only pay for the medical conditions you have


  • COVID-19 Coverage (see details below)
  • Up to $5,000,000 of Coverage for emergency medical services including COVID-19
  • Available up to Age 94
  • One Simple Rate Table
  • Annual Multi-Trip plans include coverage for trips in Canada (outside your province or territory)
  • Annual Multi-Trip plans available up to 62 days per trip for most ages
  • Many deductible options: Zero, US$50, US$250, US$500, US$1,000, US$5,000 and US$10,000
  • A 90 or 180 day pre-existing condition stability period applies based on your answers to the Underwriting Questions
  • 30 day stability option if you had a recent medication change
  • Major Event Return Home benefit now included with your Single Trip Plan or Annual Multi-Trip Plan policy
  • We accept cancellations and early return refund requests via telephone, mail, email or fax
  • Direct Payment to Hospitals and other providers where possible
  • No Top-up Fee


A La Carte Travel Insurance provides up to $5,000,000 of COVID-19 coverage. This also includes $2500 (maximum $200 per day) for COVID-19 related expenses due to quarantine from a positive COVID-19 test outside of Canada.

COVID-19 coverage is included for cruises provided you are Fully COVID-19 Vaccinated.

If you are not Fully COVID-19 Vaccinated as defined below, a 10% charge will be added to your premium.

Fully COVID-19 Vaccinated: means at least two weeks prior to your departure date, you have had the second shot of a Canadian government approved 2-dose COVID-19 vaccine, or the single shot of a Canadian government approved single-dose COVID-19 vaccine. Proof of vaccination(s) is required at claim time if requested.

NOTE: For emergency medical services not related to COVID-19, the maximum coverage limit is $5,000,000.

Basic Emergency Medical Coverage

Basic Emergency Medical Coverage Includes Amounts Up To:

  • Emergency Paramedical/Professional Services
    $250 per practitioner

  • Emergency Ambulance Transportation
    Eligible expense

  • Emergency Dental Due to an Accidental Blow to the Mouth

  • Emergency Relief of Dental Pain

  • Removal of a Cast or Stitches after an Emergency

  • Child Return under your care
    Eligible expenses

  • Vehicle Return

  • Emergency Evacuation & Repatriation
    Eligible expenses

  • Major Event Return Home

  • Subsistence Allowance
    $1,500 per person

  • Expenses Related to your Death
    $5,000 per person

  • Bedside Companion Travel
    Eligible expenses

  • 24 Hour Worldwide Emergency Medical Assistance
  • NOTE: All premiums, benefits, and maximum amounts payable are quoted in Canadian dollars unless otherwise specified. All deductibles are in US dollars (US$) and apply to each claim occurrence.
    See the policy for full details.

Basic Emergency Medical Coverage applies to Annual Multi-Trip Plans (8 Day, 16 Day, 32 Day and 62 Day options).

Deductible Choices (Optional)

The policy has a US$50 deductible per claim. You have the option to change your deductible to ZERO, US$250, US$500, US$1,000, US$5,000, or US$10,000.

Buy down your Pre-Existing Condition Clause (Optional)

The pre-existing condition stabilty period that you qualify for (either 90 days or 180 days) is based on the answers that you have provided to the Underwriting Questions on the A La Carte Option Worksheet. If you qualify for a pre-existing condition stability period of 180 days prior to any departure date, you have the option to "buy-down" the stability period for pre-existing condition coverage to 90 days. If you choose this option, the policy will cover eligible expenses for a medical condition that was stable in the 90 days prior to the departure date of any trip.

Also, if you had a replacement, elimination or an increase/decrease in dosage or frequency of a medication that does not treat a heart condition or a lung condition, and was prescribed more than 90 days prior to your departure date, you can reduce the stability period for the medical condition that the medication treats to 30 days prior to any departure date.


This insurance covers treatment required only as a result of a medical emergency and has other terms, conditons, limitations and exclusions which may affect your coverage. For a full description, click on the Policy Wording link at the top of this page to review the full policy. Please refer to Section 4 of the A La Carte Travel Insurance Policy for the exclusions.

Marketed by Travel Insurance Specialists
Snowbird medical insurance experts for over 25 years

Underwritten by Industrial Alliance Insurance and Financial Services Inc.