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Travel Insurance

With travellers wherever they go!

  • Quick and easy to buy online
  • Desjardins advantages
  • Flexible annual coverage
  • 24/7 Travel Assistance (mobile version also available)
  • More than 25 years of expertise

Features

With Travel Insurance, you get:

  • Healthcare and accident coverage while travelling outside your home province
  • Coverage that complements your provincial health insurance plan
  • À la carte coverages or packages suited to your needs
  • Travel Insurance included in certain Desjardins products
  • The ability to extend your coverage quickly and easily

For more information about buying online, see Buying online, etc.

To be eligible for Travel Insurance, you must:

  • Be a permanent Canadian resident
  • Be covered by your provincial healthcare and hospitalization insurance plans the whole time you're away
  • Enrol before your departure date for the entire expected duration of your trip
  • Start and end your trip in your home province
Our à la carte coverages
Emergency Healthcare
  • Reimburses up to $5,000,000 per insured for emergency care received
  • Covers transportation or repatriation expenses incurred for medical reasons or in the event of death
Emergency Return Trip (optional)
  • Is available as an add-on when you purchase a coverage
  • Is for emergency healthcare only
  • Covers transportation expenses from your vacation destination to your home province, and back again
Accident
  • Provides a benefit for accidental loss of use or death while aboard an aircraft or travelling
Baggage
  • Provides compensation if your baggage is stolen, delayed or damaged
  • Covers the cost of replacing a passport, visa, driver's licence or birth certificate
Trip Cancellation/Interruption
  • Reimburses expenses incurred if a trip needs to be cancelled for reasons recognized by the insurer
  • Covers the unused portion of your trip if you need to cut it short and some additional expenses resulting from your unexpected return
Our packages
Multicoverage Package
  • Emergency Healthcare
  • Accident (while aboard an aircraft or travelling)
  • Baggage
  • Trip Cancellation/Interruption (optional)

The package's flexibility allows you to choose higher insurance amounts for some coverages to better meet your needs.

Annual
  • A single policy that's valid all year long
  • Flexible choice of coverages
  • Great savings offered on packages and administrative fees
  • No need to contact Desjardins before you go away
  • Family premium applicable
  • Additional benefits from Visa Desjardins cards
  • Best family premium on the market!
  • The right choice for travelers age 61 or over – QUATTRA™

This package covers an unlimited number of trips lasting 8, 15, 23, 30, 60, 90 or 120 days over a 1-year period. Simply choose the coverage duration that's right for you.

Extended Stays
  • For trips over 31 days
  • Fixed savings
  • Bilingual assistance service available 24/7

Learn more - Extended Stays

These descriptions aren't exhaustive and are presented for information purposes only.

Some restrictions apply. Refer to the Distribution Guide and General Conditions (PDF, 4 MB) for a complete list of the exclusions and restrictions.

The premium is calculated based on:

  • the duration of your trip
  • your age
  • the coverages you've selected
  • your health (age 61 and up)

Family premium

The cost of insurance covers:

  • The total premium for the two oldest individuals in the family;
  • The third and next persons insured under the same contract get Emergency Health Care, Baggage and Accident coverage free of charge.

Intergenerational coverage

Intergenerational coverage provides free insurance for any grandchildren travelling with you.

Calculate your premium

The applicable taxes and administrative fees are added to each policy, regardless of the number of travellers it covers.

Guide

To learn more about Travel Insurance, check out the Distribution Guide and General Conditions (PDF, 4 MB). It contains everything you need to know about the product, including conditions, terms, exclusions and restrictions.

Limitations for pre-existing medical conditions or injuries

Emergency Health Care and Trip Cancellation do not cover pre-existing injuries and medical conditions or any related injuries or conditions if, during the reference period, you were awaiting medical test results or you did or were advised by a doctor to do any of the following:

  • Consult a physician
  • Take medication
  • Be hospitalized
  • Receive treatment

The reference period is 3 months (age 54 or under) or 6 months (age 55 or over) before the effective date of coverage.

This limitation does not apply if the injury or medical condition remained stable1 during the reference period.

Other exclusions

In certain circumstances that are too risky, the insurer may decide not to pay the benefits provided for under the policy. The Limitations, Restrictions and Exclusions section of the Distribution Guide and General Conditions (PDF, 4 MB) lists these occurrences.

Legal notice

The information appearing on this site summarizes the terms and conditions of this insurance and has no contractual value. It's intended to be clear and simple, so you can easily understand the product.

Only the Distribution Guide and General Conditions (PDF, 4 MB) and your policy's Special Conditions will be used to settle legal disputes. The Distribution Guide and General Conditions contains all the terms and conditions of this coverage. Some exclusions and restrictions may apply.

Travel outside of North America

Some Desjardins Access cardholders have recently experienced difficulties when trying to withdraw money at ATMs of certain banks affiliated with the PLUS® network outside of North America (outside of Canada, the United States or Mexico).

To avoid this inconvenience, we can replace your Desjardins Access Card, as a preventive measure. With your new card, you'll be able to travel worry-free.

1. "Stable" means that there has been no hospitalization or increase in treatment or medication dosage. In the case of a diabetic or of someone taking Coumadin, "stable dosage" isn't a factor that's considered.

Desjardins advantages

When you own certain Desjardins products, you, your spouse and any of your dependent children travelling with you get Desjardins Financial Security Travel Insurance, at no cost, for any business or pleasure trips of 3 days or less you take outside your home province.

Home or car insurance

If you have home or car insurance with Desjardins or The Personal, you automatically get Travel Insurance. Learn more about the duration and coverages available.

Visa Desjardins cards

If you own any of the credit cards listed below, you're protected with the Travel Insurance they come with. Learn more about the duration and coverages available.

Visa Desjardins FOR STUDENTS ONLY card

Visa Desjardins Classic card

Visa Desjardins Elegance GOLD card

Visa Desjardins Modulo GOLD card

Visa Desjardins Odyssey GOLD card

Visa Desjardins Platinum card

Desjardins Affinity Classic card

Desjardins Affinity Classic Student card

Desjardins Affinity GOLD card

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