FrequentlyAsked Questions

Too often, we believe that horror stories are things that only happen to other people. Your plans could be disrupted and your trip turned into a nightmare by a serious injury, serious illness or even the death of a loved one. What about if your passport or wallet is stolen? And what if you fell seriously ill before leaving or missed your flight? These are all important reasons to protect your investments by insuring your non-refundable expenses.

A medical emergency or serious accident can happen at any time and can be very costly. Your provincial health insurance plan will only cover a fraction of the cost of emergency medical treatment abroad. Emergency medical insurance picks up where this plan leaves off and can include coverage for unforeseen events, from flight cancellation to serious illness or accidents. That way, if unforeseen circumstances force you to cancel or interrupt your travel plans, you won’t be responsible for non-refundable expenses and medical costs.

We recommend that you carefully review the coverage offered by your credit card as well as its terms and conditions. Some cards do offer coverage, but the coverage is often incomplete and may only cover a limited number of days. Moreover, their coverage often ends when you turn 65.

Your provincial health plan covers only a small portion of the cost of medical services outside of your province of residence when you travel outside of Canada. What’s more, many health care plans do not make payments directly to foreign hospitals. Not only do they require a deductible, these plans may also not cover the cost of emergency medical transportation. Meanwhile, insurance companies’ emergency assistance services are always available to help you get the right medical care. Provincial health plans do not provide this type of assistance or advance payments for emergency medical care nor do they offer special coverages such as air ambulances or emergency dental care.

We strongly recommend that you purchase medical insurance prior to departure and cancellation/interruption insurance when you purchase your trip.  Although some of our insurers accept covering a trip that’s already in progress, they may exclude pre-existing conditions, limit the amounts payable under your policy, or impose a high deductible, co-insurance or waiting period.

Yes, you can extend your coverage at any time.

All insurance policies have restrictions and exclusions. To find out more, review the terms and conditions of the products you are interested in. If you have any concerns or questions, please do not hesitate to contact us for any additional information you may need.

As an insurance broker, SecuriGlobe simplifies the process of finding and purchasing the right coverage, saving you time and money with just one call. To make sure you get the best deal, we compare the prices of different products from a wide range of reputable insurers. You can request a quote free of charge. There are no additional fees or hidden costs. Our online quote service allows you to shop for the best coverage. Our certified representatives are always available to answer your questions, make recommendations based on your needs, and confirm your coverage.

Absolutely not! Diabetes is not an eligibility criterion for insurers.
However, if you have undergone dialysis due to diabetes, eligibility could be affected for certain products. We can still help you find personalized insurance with more flexible products.

Diabetes can impact the premium amount based on treatment (diet, oral medications, or insulin/injections), similar to conditions like heart or lung issues, high blood pressure, or cholesterol. Premiums vary depending on age, trip length, and the medical conditions of the person to be insured.

It depends on the stability required by the insurer (typically between 2 and 6 months, but this varies with age and insurer).
If there has been no change in your medical condition during the stability period before departure, the condition will be covered. Changes like dosage adjustments or investigative tests can affect stability. Any unstable condition will be excluded from coverage, whether it’s a simple urinary infection or a heart surgery.

Any omission or misrepresentation on the medical questionnaire will lead to claim denial! If you have questions about your health conditions and treatments, consult your doctor for more details.

Stability requirements vary by age and insurer. Here are some criteria for a pre-existing illness, injury, or health condition to be covered during travel:

• No new diagnosis, symptoms, worsening of symptoms, or increased frequency of existing symptoms.
• No hospitalization (a day surgery counts as a hospitalization, regardless of duration).
• No new medications or dosage/frequency changes (stopping, increasing, or decreasing dosage).

For an extra premium, some insurers allow reducing the stability period to as little as 7 days before departure. This can cover a condition considered stable only 7 days before departure, rather than the typical 3 to 6 months. Various reduced-stability options are available, with prices varying based on the required duration.

Anything pending is automatically excluded by all insurers, whether it’s surgery, treatment, diagnosis, or non-routine medical tests.

Any condition directly and/or indirectly related to this exclusion will be excluded from coverage. For example, if you have an exclusion for diabetes and injure your foot on the beach, resulting in an infection due to diabetes, this injury won’t be covered. However, if you break your ankle with no link to diabetes, this fracture will be covered.
Each claim is reviewed by the insurer’s medical team, with full medical reports requested from both the attending and home physician.

Insurance only covers sudden, unexpected medical emergencies. If an emergency arises due to a lack of medication, it will be considered foreseeable and will not be covered.
Additionally, in the event of lost or stolen medication, these are excluded from baggage coverage and will not be reimbursed.

Not at all! Height and weight are requested on the medical questionnaire. Being overweight does not increase premiums, but a healthy weight may result in a reduced premium.

It is crucial to always carry your assistance card when traveling. Your travel companion or hospital staff can contact the assistance service on your behalf if you cannot do so yourself. Quick contact is vital, as failure to communicate with the assistance service may lead to claim denial.

Absolutely! Preventive treatment counts as treatment for a medical condition and must be declared to the insurer.

Traveling with a medical condition like diabetes requires some precautions, but you can absolutely enjoy your trip safely. Your certified representative at SecuriGlobe will validate the stability requirements with different insurers to offer you the most suitable coverage for your needs.

Safe travels !