Fully licensed in BC and Ontario. To buy visitors insurance online for parents, family, domestic workers, etc., you may reside outside Canada or within BC, Alberta, Saskatchewan, Manitoba, Ontario, Quebec, New Brunswick, Newfoundland, Nova Scotia, the Northwest Territories, Nunavut, Prince Edward Island, or Yukon Territory.

Serving seniors, snowbirds, students, business travellers and vacationers in Abbotsford, Ajax, Barrie, Brampton, Brantford, Burlington, Burnaby, Cambridge, Chilliwack, Clarington, Coquitlam, Delta, Guelph, Hamilton, Kamloops, Kelowna, Kingston, Kitchener, Langley, London, Maple Ridge, Markham, Mississauga, Nanaimo, New Westminster, Newmarket, Niagara Falls, North Vancouver, Oakville, Oshawa, Ottawa, Peterborough, Pickering, Port Coquitlam, Prince George, Richmond, Richmond Hill, Saanich, Sarnia, Sault Ste. Marie, St. Catharines, Sudbury, Surrey, Thunder Bay, Toronto, Vancouver, Vaughan, Vernon, Victoria, Waterloo, West Vancouver, Whistler, Whitby, and Windsor.

Travel Insurance Refund Policies

Refunds policies will vary depending on the type of insurance policy you have purchased, and the company you have purchased it from. There is usually a ten day 'right to examine' period for the purchaser to review the policy and if not satisfied with coverage, ask for a full refund. However, if the coverage comes into effect before this ten day period is over, a full refund will not be possible.

Each company clearly states its refund policy in the insurance policy wording. You can easily view these prior to purchase by clicking on view summary on your quote presentation. Or, click on compare details, chose refund policy and we will show you the different refund policies from each company right beside each other. We've made it that easy to compare!

Most companies charge an administration fee and have a minimum refund unless you qualify for a full refund.

Note - type of insurance:

In general, companies do not offer refunds for multi-trip annual policies, once the effective date (the first day of the year of coverage) has passed. They need to avoid dealing with refunds for people who might buy a multi-trip plan, use it for the first three months, and then ask for a 75% refund.

Note - Claims:
Most companies state that a refund will be dependent on the policy holder not having made a claim under the policy, or having any pending or future claims. This will need to be verified by the insurance company, so you will need to contact your insurance company directly regarding any refunds.

Purchase Tip: For couples buying Visitors to Canada plans or travel medical insurance for Canadian snowbird travelers or other Canadian retirees that might be looking at higher insurance costs, it can be prudent to buy two separate policies rather than having both people named on one policy. In the event that one person has a claim, and both people decide to return home, the person who has not claimed may be entitled to a refund. When both people are named on one policy and a claim occurs, no refund is available.

Company contact numbers are listed below:

Manulife

Call 1- 888- 881-8010 toll-free from Canada or (519) 945-8346 collect during business hours.

Travel Guard

Call 1-866-878-0192 or collect at 416-646-3723 during (EST) business hours.

GMS

Call toll-free 1-800-459-6604 within Canada or collect 905-762-5196 24 hours a day seven days per week.

Travel Underwriters

From Canada call toll free 1-800-663-0399 or call collect to 604-278-4108 during business hours.

ETFS

From Canada call TOLL FREE 1-800-715-8833 or call 819-566-8698 (collect) during business hours (EST).

TIC

Toll free from Canada: 1-800-995-1662 .
If unable to contact us through the toll free numbers call collect: 416-340-0049 during business hours.