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OPTIMAL TRAVEL

1(888) 450-4950

FINDING THE RIGHT TRAVEL INSURANCE 


We offer a wide range of Travel Medical Insurance Options, including Trip Cancellation & Interruption.  Our in-house Team Specialize in Medical Pre-Existing Conditions.
get started !

looking for the best travel insurance plan

We have you covered. Plans that fits your need.
Optimal Travel Insurance

Travelling out-of-Canada / Province?

Great travel insurance plan for travellers travelling
around the world including USA. Also for travelling
out-of-province looking
for 24/7 assistance for Medical Emergency coverage.

Coverage for travellers travelling around the world including USA and travelling out-of-province looking for 24/7 assistance for Travel Medical Emergency coverage.

GET  STARTED

Leaving Canada for the winter?

Coverage for Healthy and Active Canadians, including Seniors travelling around the world and the USA looking for 24/7 assistance for Travel Medical Emergency coverage.

For Healthy and Active Canadians, including Seniors & Snowbirds Travellers travelling around the world and the USA looking for 24/7 assistance for Travel Medical Emergency coverage.
GET  STARTED

Working in
Canada?

Part of getting your Work Visa in Canada, it is your responsibility to make sure you have the proper Medical Insurance coverage, while your in Canada.  Full insurance coverage up to $300,000 up to 365 days

In getting your Work Visa in Canada, it is your responsibility to make sure you have the proper Medical Insurance coverage, while your in Canada.  Full coverage up to $300,000 up to 365 days.
GET  STARTED

Visiting or Studying in Canada?

Canadian Medical Insurance offers a flexible and affordable way to protect against the cost of unexpected Medical Emergencies while in Canada. Full insurance covereage up to $300,000 coverage.

Canadian Medical Insurance offers a flexible and affordable way to protect against the cost of unexpected Medical Emergencies while in Canada. Full insurance coverage up to $300,000.
GET  STARTED
Optimal | Pre-Existing Specialists

ask about your pre-existing condition

Let's talk it over!  To get a clearer picture of how insurance company will treat your pre-existing condition, talk to one of our experts. No obligation. Promise.
Get the guessing game out of your hands!
Not a pre-existing condition specialist? We are!
take the PRE-EXISTING CONDITION test!

plans for travel insurance coverage

When applying.
No Medical Travel Insurance

No medical exam needed upon application.  Health questions over the phone or online.

Top Up Travel Insurance

Top-up insurance coverage and extensions on any existing plans are available to purchase.

Free Refund

No fee to change travel dates prior to 
departure and no extra fee to extension.

Travel Pre-Existing Conditions

Option to enhance coverage for 
Pre-existing health conditions

Who can apply?

The applicant(s) is over the age of 14 days old and has not reached the age of 100 years at the time of application.

Which plans?

Find the right coverage for the right occasion.

TOP UP
available
  • Travelling outside of Canada
  • Travelling out-of-province of residence
  • “SnowBird”  & Senior Travellers
  • Visitor’s to Canada & Super Visa Insurance
  • New immigrant awaiting provincial government health care coverage
  • Foreign worker with valid legal status in Canada
  • Returning Canadian not eligible for provincial  health care plan due to an extended leave
Need coverage for Pre-Existing medical condition(s)?

When applying to cover your pre-existing condition(s);

- We strongly recommend that you contact our in-house specialists.  
- We will arrange a quick medical assessment 
- We will provide best coverage options available with affordable rates.

Optimal Travel | Did you know?

did you know about deductibles?

Choosing a deductible on your policy can offer savings up to 75% in premiums.  
* Deductibles available are as low as $250 and as up as $100,000

Learn More.  Ask our Agents!

QUICK COMPARISON OF BENEFITS FROM PROVIDERS

Compare best travel insurance quotes in canada

Most Medical Travel Insurance Policies have mostly the same benefits, what differ the most from one insurer to another, are the amounts covered under their plans and their rates.

Some insurers are more competitive on benefits and rates with a certain niche market, that’s why comparing benefits & rates will help you find the best travel insurance plan for you.

On the next tabs, you will find a quick comparaison sheet to able you to better compare the different benefits.

Learn more on which coverage is best for you, contact our Specialists!


* RULE OF THUMB *

 Best Rates doesn’t Always mean Best Insurance Coverage.  Ask Questions!

Although the contents of this Website are deemed reliable when posted, Optimal Travel™ has made every effort to provide accurate and updated information about our providers, but cannot guarantee this information from the provider to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice.
When you purchase coverage, the proper documents from the insurance company will be provided.

Travel Insurance discounts

TRAVEL INSURANCE 
SAVINGS & DISCOUNTS

Looking for Money Saving Options? We have great deals for you!
Save up to 75% and even more...Various Discounts & Savings.  
Call us to activate these savings 1-888-450-4950

PLANNING ON TRAVELLING MORE THAN 2 TIMES A YEAR? 

AN ANNUAL PLAN MIGHT BE FOR YOU!


For a single premium at the time of purchase, once a year, 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 duration doesn’t exceed the number of days covered by your plan. If you have longer trips, you can just add those days for that specific trip.

Ask our Experts if you could benefit from an Annual Plan;

Get free quote

SAVE WHEN YOU HAVE MORE THAN ONE TRAVELLER ON A
TRAVEL INSURANCE POLICY.

Receive up to a 10% discount when 2 people travel together and are insured on the same policy. 

Ask our Experts if you could benefit from this discount; 

Get free quote

excellent value

In most cases, it is cheaper to purchase the comprehensive travel insurance package than 
purchasing each plan separately like medical and non medical protections simultaneously. 

* Including Trip Cancellation & Trip Cancellation.

You can save up to 60% of the cost of individual plans. 

Ask our Experts if you could benefit from this discount;

Get free quote

SAVE INK AND PAPER – RECEIVE YOUR DOCUMENTS BY EMAIL.

Some our providers will grant our clients a $5 discount per applicant in return. 

Ask our Experts if you want to benefit from the Green Rebate;

Get free quote

* EXTRA DISCOUNT IS AVAILABLE DURING A SPECIFIC PERIOD ONLY,
AT THE BEGINNING OF THE SEASON, up to 10%.

Official dates vary from one year to another and are subject to change without notice. Discounts are usually available 
between the beginning of July and the end of September. 

Don’t miss out on them!  Inquire early for specials, even if you only have tentative dates.

Ask our Experts if you could benefit from EarlyBird Discounts;

Get free quote

WE OFFER DIFFERENT DEDUCTIBLES ON YOUR TRAVEL INSURANCE, RANGING FROM $250 to $100,000.

Rule of Thumb:  Higher Deductible, equals More Savings!

Only choose a deductible that you can afford. You may save up to 75% in rates. 

Learn more about your different deductibles options. 

Ask our Experts if you could benefit from Deductibles Discounts;

Get free quote

TRAVEL INSURANCE
ADdItional coverage

ALL INCLUSIVE INSURANCE BENEFITS

An All Inclusive Travel Insurance policy is often the best value. 

Depending on the policy, not only does it provide the basics like emergency medical but also trip cancellation and trip interruption insurance, accidental death and dismemberment insurance, delayed/lost baggage and more. 

Also call Comprehensive Travel Insurance, it combines Medical, Cancellation, Interruption, Baggage and Accidental Death insurance, ALL in one packaged plan.

- Emergency Medical Insurance
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Baggage Insurance
- Accidental Death and Dismemberment ( 'AD&D' )

Ask our Experts if you want to add some of those benefits.

Request a quote

TOP-UP & COVERAGE EXTENSION

Those coverage extension are taken as an add-on policy with any health insurance policy, with the same or a different insurer.

If you are a holder of an Annual Plan, have group or credit card coverage , convenient Top-Up coverage can be added to extend your trip for durations of up to 212 days depending on your province of residence.

Ask our Experts if you would benefit or qualify for Top-Up Insurance Coverage.


IMPORTANT:  Make sure you understand some of the restriction regarding Top-up coverage.

REQUEST A QUOTE

MULTI-PLAN ANNUAL INSURANCE

Travel insurance that lasts one year.  A Multi trip travel insurance plan is valid for 365 days. It is also referred to an Annual Plan Insurance.

Annual Travel Insurance coverage lets you travel around the world as often as you wish, without having to notify the insurer, provided that your trip duration does not exceed the maximum number of days selected.

Multi-trip coverage is also convenient and flexible. It offers different trip length options for annual multi trip policies. 

There’s no need to reapply for each trip, and you can easily upgrade the coverage if more days are needed. Quick out-of-province trips and planned out-of-Canada vacations are both covered and you don’t have to inform us of your travel dates.

Ask our Experts if you would benefit from an Annual Plan.

REQUEST A QUOTE

TRIP CANCELLATION & TRIP INTERRUPTION INSURANCE

Sometimes life takes over and your travel plans go out the window.  You can’t plan for everything. 
There are times when you are forced to call off, change, or even interrupt a well–planned trip.

The investment that you make when booking travel arrangements can be significant: 

– If you are forced to cancel your trip, you may have to pay cancellation penalties charged  by the airline or the tour operator. 

– If you must disrupt your trip and return home prematurely, the costs can be even more severe.

From the date you book your plane ticket, hotel and other travel arrangements, you can purchase your Trip Cancellation/Trip Interruption Insurance. When you purchase Trip Cancellation/Trip Interruption Insurance, your eligible non-refundable, pre-paid travel costs will be covered if you are forced to cancel or interrupt your trip, up to the coverage amount purchased.

Ask our Experts if you would benefit from Trip Cancellation & Interruption Coverage.

REQUEST A QUOTE

MORE OPTIONAL INSURANCE BENEFITS

You take the time to pack your personal belongings and you expect them to arrive when you do. Unfortunately, sometimes your baggage and belongings arrives damaged, or even worse, not at all. 

What do you do?

Rental Car Collision Damage Protection Coverage 
Damage and physical loss protection for your rental car.

Golf Protector 
Protection and coverage for your golf equipment and prepaid green fees.

Ski Protector 
Protection and coverage for your ski and snowboard equipment, and prepaid lift passes.

Business Protector 
Protection and coverage for your business equipment. An example would be your laptop computer.

Cruise & Tour Protector 
Protection and coverage for your missed pre-booked cruise or tour departure.

Expanded Benefits Upgrade 
Additional benefit limits and coverage for emergency medical/dental, trip cancellation, interruption, delay, 
luggage and personal effects.

More Benefits are available...

Ask our Experts if you want to add some of those benefits.

REQUEST A QUOTE

ELIGIBILITY  FOR TRAVEL 
INSURANCE COVERAGE

Emergency Medical Care

What are the eligibility requirements?

- All individuals under are Canadian residents
- You purchase the plan in your province of residence
- You are not travelling against a physician's advice
- You have not been diagnosed with a terminal condition

Visitor’s to Canada

What are the eligibility requirements?

- You purchase before your arrive in Canada.
- You are not travelling against a physician's advice
- You have not been diagnosed with a terminal condition
- Family & student rates are available

What if you have already departed for your trip? NOT TOO LATE

If you have already left your province of residence or you already left Canada?  Or even, you are already in Canada and need to get Medical Insurance?  Medical Coverage may still be available.  Get the right information before it’s too late!

To inquire about all your options, you will need to contact our in-house Specialist.

TRAVEL often?

Find out more about Multi-trip Emergency Medical travel insurance 
A great and most effective way of getting covered at the best rate if you travel more than once a year.

– If you think it is likely that you'll make more than one trip per year out- of-province or outside of Canada;
save money by getting an Annual Plan.

Learn more about Annual Plan

refund policy

Full and partial premium refund rules 
You may receive full or partial refund in those following circumstances;

Prior to the Effective date of coverage:

  • The application may receive full or partial refund, if haven’t left Canada or arrived in Canada.
  • The applicant dies before leaving Canada or arriving in Canada (a copy of the death certificate may be required as proof)
  • Any request for a refund of premium must be submitted before the effective date of the contract, 
    for full refund.

After the Effective date:

For an Early Return, a refund may be requested for the unused days, provided no claims were submitted.

  • The Insured dies after leaving (a copy of the death certificate may be required as proof)
  • The Insured returns to Canada or leave Canada earlier than expected 
    (proof of departure will be required, normally in the form of a boarding pass)

VISA REJECTED – 100% REFUND – IF NO VISA GRANTED

  • There are a number of reasons why you can be found inadmissible, denied a visa or refused entry to Canada.
  • We understand that possibility of refusal of visa exists and insurance premiums are high, so we offer plans that would refund 100% in case of visa refusal. You must submit proof of the Rejection letter from immigration office of Canada.

Following an early return, a refund could be made for the unused days, provided no claim was submitted.

  • Unless the covered person presents proof to the contrary, the postmark of the letter will be considered as the date of return and the refund will be effective on the following day.
  • Administrative fees may apply and are deducted from any refund, except for refund due to cancellation of the contract before the effective date of the contract.
* All companies have their own refund policies.  Please refer to contract for more details.

waiting period

NO WAITING PERIOD IF THE PLAN IS PURCHASED BEFORE LEAVING OR ARRIVING
APPLIES ONLY IF:
Coverage for medical expenses resulting from any sickness may begin 48 hours or
more after the effective date if you purchase your policy: 
– after the expiry date of an existing Insurance policy; or 
– after you exit your country of origin or Canada. 

** Any sickness that manifests itself during the waiting period, it is not covered even
if related expenses are incurred after the waiting period.

instant free quote

For Medical Insurance Coverage

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Contact Optimal Travel

always WITHIN YOUR REACH

Speak with a licensed travel specialist to get all your options!

1 (888) 450 4950
info@optimaltravel.ca
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