Travel Insurance
With travellers wherever they go!
- Quick and easy to buy online
- Multi-Trip Annual Insurance available for business travel
- 24/7 Travel Assistance (mobile version also available)
- More than 30 years of expertise
Member advantage: Exclusive advantages for members
3-day discount on all-inclusive travel insurance
Going away for up to 3 days? Enjoy free travel insurance that covers more than you might think, including emergency healthcare, trip cancellation and lost luggage. Going away for longer than 3 days? Use your 3-day discount toward insurance for your whole trip!1
50% off Emergency Return Trip premium
Discount applies to Emergency Return Trip coverage sold as an add-on to healthcare coverage. Emergency Return Trip covers transportation expenses from your travel destination to your home province and back again. Valid for extended travel (30 or more days.) Offer available to members between 18 and 30 years of age.
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 adapted to your business travel 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.
For a person to be insured:
- they must be a Canadian resident;
- they must be at least 15 days old;
- their trip must begin and end in Canada, in their province of residence;
- they must apply for the insurance before the departure date and for the entire scheduled duration of their trip;
- they must be covered under the government health and hospitalization insurance plans of their province of residence for the entire duration of their trip.
| Our à la carte coverages | |
|---|---|
| Emergency Health Care |
|
| Emergency Return Trip (optional) |
|
| Accident |
|
| Baggage |
|
| Trip Cancellation/Interruption |
|
| Our packages | |
|---|---|
| Multicoverage Package |
|
| Multi-Trip Annual Insurance |
Learn more about Desjardins Annual Travel Insurance |
These descriptions aren't exhaustive and are presented for information purposes only.
Some restrictions apply. Refer to the Distribution Guide and General Conditions - This link will open in a new window. (PDF, 462 KB) for a complete list of the exclusions and restrictions.
We calculate the premium based on:
- the age of each insured on the departure date;
- the duration of your trip;
- the coverages selected;
- the insurance amounts selected;
- the state of health of each insured in certain age groups;
- the deductible selected, where applicable.
Family premium
When several family members are covered under the same contract, premiums are only charged for the two oldest travellers. That means that children travelling with their parents or grand-parents receive free Emergency Health Care, Baggage and Accident coverage.
Calculate your premium - This link will open in a new window.
The applicable taxes and administrative fees are added to the premium of each contract, regardless of the number of travellers it covers
Guide
To learn more about Desjardins Travel Insurance, check out the Travel Insurance Guide - This link will open in a new window. (PDF, 462 KB). It contains everything you need to know about the product, including conditions, exclusions and limitations.
Exclusion for unstable injuries or medical conditions
Emergency Health Care coverage and Trip Cancellation coverage do not cover unstable injuries and medical conditions, nor any related injury or medical condition for which, in the reference period (see below):
- New symptoms appeared or the existing symptoms were more frequent or more intense
- You consulted a physician (except for a routine check-up)
- A physician recommended that you undergo a test, you underwent a test or you are waiting for the results
- You had surgery, were hospitalized or a physician recommended that you have surgery
- You started a new treatment, including a new drug, or a new treatment was prescribed
- You had a change in treatment or medication (quantity, frequency or the medication itself) or such a change was prescribed
For Emergency Health Care coverage
The reference period is:
- 3 months before your departure date, if you are 54 or under on that date; or
- 6 months before your departure date, if you are 55 or older on that date.
For Trip Cancellation coverage
The reference period is 3 months before the Trip Cancellation coverage purchase date
This limitation does not apply if the injury or medical condition remained stable1 during the reference period.
Other exclusions and limitations
In certain circumstances that are too risky, the insurer may decide not to pay any amount. The Exclusions and limitations section for each protection of the Travel Insurance Guide - This link will open in a new window. (PDF, 462 KB) 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 Travel Insurance Guide - This link will open in a new window. (PDF, 462 KB) will be used to settle legal disputes. The Travel Insurance Guide contains all conditions of this coverage. Some exclusions and limitations 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.
Advantages
Visa Desjardins credit cards for businesses
Desjardins offers several credit cards for businesses, some of which offer travel insurance coverages tailored for business trips. View a complete list of Visa Desjardins credit cards for businesses and learn more about their benefits.
1.One discount per trip per Desjardins member. The 3-day discount cannot be combined with the insurance for trips lasting 3 days or less included with certain Desjardins credit cards and Desjardins products or services.
