Multi-trip annual plan

The multi-trip annual plan is an insurance contract valid for a period of 365 consecutive days, covering all of your trips of 8, 15, 30 days and less. For a single premium at the time of purchase, you can travel as many times as you wish, anywhere around the world, without having to call us back before each departure, providing that the trip duration does not exceed the number of days covered by your plan.

If you need to extend one of your trips beyond the covered maximum period, give us a call! Our unique extension program allows you to do so.

*Conditions and age limits may apply. Please read to the policy for details.

Summary of benefits
in case of a medical emergency

To buy a travel insurance

About Tour+Med plans

Hospital care deductible

Traditional deductibles offered by other carriers are 'per event', no matter where you go for your consultation. Tour+Med's hospital care deductibles are only applicable to claims involving a hospital or ambulance transportation (whether by land or air). Since only 10% of all cases need to be referred to the closest hospital or emergency room, these hospital care deductibles are a wonderful advantage for you!

Our premiums automatically include a $0 deductible, but you could choose to add a hospital care deductible of $250, $500, $1,000, $2,500, $5,000 or $10,000 in order to save between 5% and 30% on your premium.

Save up to 10% with our various discounts

Everybody loves discounts! Even if our premiums are competitive, we still offer a variety of discounts so you can save more. Ask your representative about our 2 travelers discount,

2 travelers discount

Receive a 5% discount when 2 people travel together and are insured on the same policy.

our Combined rebate and

Combined rebate

Get a 5% discount when you purchase medical and non medical protections simultaneously (such as trip cancellation and interruption coverage, for example).

our Early Bird rebate

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Early bird discount

Discount available during a specific period only, at the beginning of the sales season. Official dates and percentage vary from one year to another and are subject to change without notice, but the discount is usually available from the beginning of July until the beginning of September.



You could save up to 10% on your premium's initial value!

Flexibility (deposit and options)

Enjoy our flexible product, thanks to our Reduced Stability Period and Optional Exclusion options. We also provide a 25% deposit option, allowing you to secure your premium’s rate and pay your balance later.

25% deposit:

At the time of purchase, secure your premium’s rate with a 25% deposit and pay your balance only 2 weeks before your departure. This way, you can enjoy our Early Bird special and minimize the impact on your finances.

Early bird discount

Discount available during a specific period only, at the beginning of the sales season. Official dates and percentage vary from one year to another and are subject to change without notice, but the discount is usually available from the beginning of July until the beginning of September.

(Option available for sales sent by email, paid by credit card and with a minimum premium of $400. Balance is payable 2 weeks before departure.)

Reduced Stability Period option:

It is possible to cover an unstable condition since this option reduces the required stability period from 6 months to 30 days before your departure date, for certain conditions. You will need to mention the event that caused this change in stability (hospitalization, change in your medication, etc.) and we will then determine if the condition can be covered and the applicable surcharge.

Some conditions apply. Please read the policy wording for more details.)

Optional Exclusion option:

After completion of the medical questionnaire, you can decide to deliberately exclude a condition and get a lower premium. An exclusion will be applicable to your policy, for the whole system or body organ related to that condition.

(Some conditions apply. Please read the policy wording for more details.)

Medical stability

Your pre-existing medical conditions may be covered if you meet the stability requirements outlined in the policy. All conditions must be Stable and Controlled for a period of:

Stable and Controlled

“Stable and Controlled” means any medical condition (other than a Minor Ailment) for which all the following statements are true:

  • There has been no new diagnosis, Treatment or prescribed Medication (including prescribed “as needed”);
  • There has been no change in Treatment frequency or type; there has been no change in Your Medication, including the addition or the stopping of a Medication or an increase or decrease in the dosage or frequency of a Medication (Exceptions the routine adjustment of Coumadin, Warfarin or insulin to maintain the optimal level of the said Medication in your blood and the change from a brand name Medication to a generic brand Medication of the same dosage);
  • There has been no change in the frequency or the severity of the Symptom (new Symptom, more frequent Symptom or more severe Symptom);
  • There have been no test results showing deterioration;
  • There has been no Hospitalization or referral to a specialist (made or recommended) and You are not awaiting the results of further investigations for that medical condition.

In case of differences between this definition and the one available in the policy/distribution guide, the latter prevails.

  • 3 months before your departure date, for persons aged between 3 months and 59 years of age.
  • 6 months before your departure date, for persons aged 60 and over.

Inquire about our Reduced Stability Period option.

Reduced Stability Period option

It is now possible to cover some unstable medical conditions. The Reduced Stability Period reduces the stability requirements of some conditions to 30 days, rather than 6 months.

(Some conditions apply. Please read the policy wording for more details. This option is not available for the Tour+Med 2.0 plan.)

Top-ups

When insured through your employee benefit program or your credit card, your coverage is usually limited to a specific duration. We can top-up your existing plan for the extra days, so that your whole trip is covered. You must check that top-ups are permitted by the companies issueing your existing travel policies.

Extension of coverage

To extend the policy period, you must contact us, or your representative, at least 5 days prior to the expiration date written on your policy. You will only have to pay for the additional premium, if applicable.

(Any condition for which you received treatments in the initial portion of your policy will automatically be excluded, beginning on the first day of your extension. The Insurer reserves the right to grant or deny an extension of coverage, on a case-by-case basis. No extension request can be permitted after the expiration date of the initial policy.)

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