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Travel Insurance
With travellers wherever they go!
- Quick and easy to buy online
- Desjardins advantages
- Flexible annual coverage for business travel
- 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 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.
To be eligible for Travel Insurance, you must:
- Be a 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 |
|
| Emergency Return Trip (optional) |
|
| Accident |
|
| Baggage |
|
| Trip Cancellation/Interruption |
|
| Our packages | |
|---|---|
| Multicoverage Package |
The package's flexibility allows you to choose higher insurance amounts for some coverages to better meet your needs. |
| Annual |
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. |
These descriptions aren't exhaustive and are presented for information purposes only.
Some restrictions apply. Refer to the Distribution Guide and General Conditions (PDF, 2.9 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 55 and up)
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, 2.9 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, 2.9 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, 2.9 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
Most Visa Desjardins cards offer Travel Insurance that's either included or available as an option. Click the links below to learn more about the duration and coverages available.
Visa Desjardins Business card (optional Travel Insurance)
Visa Desjardins FOR STUDENTS ONLY card
Visa Desjardins Cash Back card
Visa Desjardins Elegance GOLD card
Visa Desjardins Modulo GOLD card
Visa Desjardins Odyssey GOLD card
Visa Desjardins Prestige Platinum card
Desjardins Affinity Classic card
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