Travel insurance with Sécuriglobe in Quebec

No. When you travel outside Quebec, the RAMQ covers only a small portion of medical expenses. The amounts reimbursed are often well below the actual cost of care in many countries.

A medical consultation, hospitalization, or emergency transport can cost significantly more than what the provincial plan reimburses. The RAMQ also does not cover several essential services, such as air ambulance, emergency medical assistance, or certain specialized treatments.

Travel insurance allows you to cover these unexpected expenses and get assistance in the event of an emergency during your stay.

Some credit cards include travel protection, but this coverage is often limited and subject to several conditions.

For example, it may require that the trip be paid for entirely by card. It may also restrict the length of the stay or offer lower coverage amounts for medical expenses. Certain situations may also be excluded, such as pre-existing medical conditions.

A full travel insurance policy generally offers more comprehensive protections, including emergency medical coverage, trip cancellation or interruption, lost baggage, and emergency assistance. It also allows you to choose coverage adapted to your destination and the length of your stay.

You can generally purchase travel insurance up until your departure date. However, it is recommended to obtain it as soon as you book your trip.

Purchasing your insurance early may give you access to important protections, such as trip cancellation coverage. This protection may reimburse certain expenses if you must cancel your departure for a covered reason, such as illness or an unforeseen event. Starting your coverage early also ensures you are protected from the very beginning of your trip.

In many cases, you can extend your travel insurance if you decide to stay longer at your destination. The request must generally be submitted before your current coverage expires.

An extension depends on certain criteria, such as your health condition and whether no covered event has occurred during your stay. Conditions may also vary depending on the insurer and the type of coverage chosen.

If you are considering changing the length of your trip, it is best to check the available options promptly. You want to avoid any gap in coverage.

Yes. As with most insurance, certain situations may be excluded from coverage.

For example, pre-existing medical conditions considered unstable before departure may not be covered. Certain high-risk activities, planned treatments, or events related to excessive alcohol or drug consumption may also be excluded. Exclusions vary depending on the insurance contract. Review the conditions of your policy carefully to understand what is and is not covered.