Travel Insurance

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Why choose Desjardins?

Member advantages

Exclusive advantages for members

3-day discount on all-inclusive Desjardins Travel Insurance

  • Free coverage for trips of up to 3 days
  • Includes Emergency Healthcare, Accident, Baggage, and Trip Cancellation coverages
  • Can be used to reduce the cost of coverage for longer trips1

50% off Emergency Return Trip coverage for 18- to 30-year-olds

  • Applies to the premium for Emergency Return Trip coverage sold as an add-on to Emergency Healthcare coverage
  • Covers transportation costs, in the event of certain emergencies, from your destination to your home province and back to your travel destination
  • Recommended for extended travel (30 days or longer)

See all Member advantages for individuals – Financial products and services

Features

  • Types of coverage available, packages and à la carte options to suit your needs: Emergency Healthcare, Emergency Return Trip, Accident, Baggage, and Trip Cancellation.
  • Included with some credit cards Help for credit cards that include Travel Insurance  - Help for credit cards that include Travel Insurance
  • Quickly and easily extend the number of days of Travel Insurance included with your credit card

Family premium – Emergency Healthcare, Baggage and Accident coverage

When several family members are covered under the same contract, premiums are only charged for the two older travellers. Dependent children are covered at no additional cost.

Calculate your premium2

Eligibility

To be eligible for Travel Insurance, you must:

  • Be a Canadian resident
  • Be at least 15 days old
  • Start and end your trip in your home province (in Canada)
  • Apply for coverage for the full duration of your trip before you leave
  • Be covered by your provincial healthcare and hospitalization insurance plans for the duration of your trip

Coverages

À la carte
Emergency Healthcare
  • Reimburses up to $5,000,000 per person for emergency care received as a result of an unexpected illness or accident
  • Covers the cost of transportation or repatriation for medical reasons or following a death
Emergency Return Trip
  • Available as an add-on to Emergency Healthcare coverage
  • Under certain circumstances, covers flight costs from your destination to your home province and back again
  • Member advantage for 18- to 30-year-olds: 50% off the premium for trips of 30 days or more
Accident
  • Provides a benefit for accidental death or loss of use of a limb caused during a flight or while travelling
Baggage
  • Provides a benefit for stolen, delayed or damaged baggage
  • Provides a benefit to offset the cost of replacing your passport, visa, driver’s licence or birth certificate
Trip Cancellation/Interruption
  • Reimburses expenses incurred if your trip needs to be cancelled for reasons recognized by Desjardins Insurance
  • Covers the unused portion of your trip if you need to cut it short, as well as certain other expenses resulting from your unexpected return
Packages
Multi-coverage
  • Includes Emergency Healthcare, Accident (while aboard a plane or while travelling), Baggage, and (optional) Trip Cancellation/Interruption coverages
  • Allows you to increase certain coverages to better suit your needs
Multi-Trip Annual Insurance
  • Cost-effective solution allowing you to travel the world for 1 year without needing to purchase a new policy for every trip
  • A great way to save time and money
  • Coverage designed for today’s families
  • Several trip durations available (8 to 182 days)
  • The Quattra Advantage: a must for travellers age 61 to 80

Learn more about Desjardins annual travel insurance
Extended stays
  • For trips over 30 days long
  • Great savings on packages

Learn more about Desjardins travel insurance for extended stays

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

Some restrictions apply. For exclusions and limitations, see the Travel Insurance Guide (PDF, 462 KB) - This link will open in a new window..

Guide

Do you have questions about Desjardins Travel Insurance? Read the Travel Insurance Guide (PDF, 462 KB) - This link will open in a new window.. Conditions, exclusions and limitations apply.

Disclaimer

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.

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 (PDF, 462 KB) - This link will open in a new window. 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 (PDF, 462 KB) - This link will open in a new window. will be used to settle legal disputes. The Travel Insurance Guide contains all the conditions of this coverage. Some exclusions and limitations may apply.

Snowbird

Are you 55 or over? Get these exclusive discounts for trips of 31 days or more.1

50% discount on Emergency Return Trip coverage and free roadside assistance

  • 50% off the cost of Emergency Return Trip coverage
  • Free Desjardins Roadside Assistance
  • Purchase deadline: January 31, 2019
Get this product - Travel Insurance

1. Certain conditions, exclusions and restrictions apply.

2. The premium for Trip Cancellation coverage is not included in the family premium.

One 3-day 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. Members travelling outside their province of residence must take out Desjardins Travel Insurance before leaving home. This insurance should cover the entire duration of their trip, even for trips of 3 days or less, otherwise they will not be covered at all.

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company.

Aide - carte de credit Cards that include Travel Insurance

Learn more about what you’re covered for and for how long:

Student Cash Back Visa card
Classic Visa card
Visa Cash Back card
Cash Back Mastercard credit card
Visa Elegance Gold card
Visa Modulo Gold card
Cash Back World Mastercard credit card
Visa Odyssey Gold card
Odyssey World Elite Mastercard credit card
Platinum Visa card

If you have one of these cards, your spouse and dependent children are also covered when travelling with you.