Travel Insurance
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Why choose Desjardins?
- Discounts and exclusive advantages for Desjardins members
- 24/7 assistance service
- Affordable family premium
- Quick and easy online purchases
- Flexible multi-trip annual insurance
- More than 30 years of travel insurance expertise!
Member advantages
Exclusive advantage 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 - 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.
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
| À la carte | |
|---|---|
| Emergency Healthcare |
|
| Emergency Return Trip |
|
| Accident |
|
| Baggage |
|
| Trip Cancellation/Interruption |
|
| Packages | |
|---|---|
| Multi-coverage |
|
| Multi-Trip Annual Insurance |
Learn more about Desjardins annual travel insurance |
| Extended stays |
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.
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.
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.
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 cardIf you have one of these cards, your spouse and dependent children are also covered when travelling with you.
