TruStone Health Insurance Review
TruStone Financial Inc. is a wholly-owned subsidiary of The Empire Life Insurance Company (Empire Life), formed in 2022 by merging six entities in the Canadian financial services marketplace.
The travel and health insurance division of TruStone Financial is known as TruStone Health. TruStone Health provides insurance for Canadians and visitors to Canada. TruStone Health administers the insurance policies, The Empire Life Insurance Company underwrites the policy, and claims assistance is managed by Trident Global Assistance.
TruStone Health is the most popular with Canadians aged 60+.
TruStone Standout Policy Benefits
Cremation at Place of Death
Up to $5,000
Emergency Return Home
Up to coverage limit
Ambulance Services
Up to $4,000
TruStone Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
TruStone’s travel insurance policies are competitively priced, particularly for travellers above the age of 55. | Lower benefit limits compared to other similar plans. |
Low pre-existing condition stability periods of 90 or 180 days, depending on medical conditions. | An extensive medical questionnaire for pre-existing conditions policies. |
High age limit of up to 95 years old. | Deductibles are in USD, and the minimum deductible is $50. |
Deductible options up to 10,000 USD. | |
You save 15% if you’re travelling outside of the USA and Mexico. |
TruStone Emergency Hospital & Medical Cost
We created a bar chart to show you how the TruStone HMC No Pre-ex Plan Single Trip Worldwide cost compares to other BestQuote emergency medical policies for Canadians in 4 age categories: 25, 40, 55, and 75.
We compared each policy on March 13, 2025, with the following fixed criteria:
Traveller type: Canadian traveller
Policy type: Emergency medical insurance (single-trip)
Deductible: $0
Province: Ontario
Medical conditions: None
Policy length: 30 days (1-month)
The bar chart below compares the TruStone HMC No Pre-ex Plan Single Trip Worldwide against the average cost of all emergency medical single-trip policies available to Canadians in 4 age categories. Each policy has a rank assigned based on cost. The lowest cost policy is 1, and 11 is the highest.
