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Travel Insurance

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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.

Eligibility

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.

Coverages

Our à la carte coverages
Emergency Health Care
  • Reimburses up to $5,000,000 per insured for emergency care received, if you suddenly and unexpectedly become ill or have an accident on your trip
  • Covers transportation or repatriation expenses incurred for medical reasons or in the event of death
  • Is available as an add-on when you purchase Emergency Health Care coverage
Emergency Return Trip (optional)
  • Covers, in certain circumstances, the plane transportation expenses from your vacation destination to your home province, and back again
  • Advantage for members : 50% off, that applies to trips of 30 days or more, for members age 18 to 30 inclusively.
Accident
  • Provides a benefit for death or loss of use of a limb caused by an accident that occurs during your flight or while travelling
Baggage
  • Covers stolen, delayed or damaged baggage
  • 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 Health Care
  • Accident (while aboard a plane or travelling)
  • Baggage
  • Trip Cancellation/Interruption (optional)
Multi-Trip Annual Insurance
  • Travel as often as you want knowing you’re fully covered every time—and eliminate the need to purchase coverage for each trip.
  • Buy coverages together or separately, whatever works for you.
  • Travel with peace of mind and enjoy significant savings starting with your second trip!
  • Take advantage of one of the best family premiums on the market!
  • Choose your trip duration (8, 15, 23, 30, 45, 60, 90, 120 or 182 days).
  • The right choice for travellers between the ages of 61 and 80 – The Quattra Advantage

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, 4 MB) for a complete list of the exclusions and restrictions.

Cost

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, 4 MB). It contains everything you need to know about the product, including conditions, exclusions and limitations.

Notices

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, 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 Travel Insurance Guide - This link will open in a new window. (PDF, 4 MB) 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.

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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.

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