- Provincial health plans may not cover all costs outside your home province or abroad
- Hospitalization, surgery, and emergency care can be extremely expensive-especially outside Canada
- Protects you from out-of-pocket costs for medical emergencies, repatriation, and travel delays
- Peace of mind for yourself and your family, so you can travel worry-free
What Is Emergency Medical Insurance?
Emergency medical insurance covers sudden and unexpected medical expenses when you're away from your home province or traveling internationally. It's essential for travelers, visitors, and anyone whose provincial health plan may not fully cover care outside their home region.
- Coverage for hospital stays, doctor visits, surgery, and prescriptions
- Includes ambulance services, emergency dental, and medical evacuation
- 24/7 support to help you navigate emergencies anywhere in the world
- Available for Canadians, new immigrants, and visitors to Canada
Emergency Medical Insurance Quote
Why Do You Need Emergency Medical Insurance?
What Does Emergency Medical Insurance Cover?
Medical Treatment
Hospital stays, doctor visits, diagnostic tests, and prescription drugs
Emergency Services
Ambulance transport (ground or air), emergency dental care, and urgent medical evacuation
Repatriation
Covers the cost to return you to your home province for care, or return remains in the worst case
Travel Assistance
24/7 helpline for medical referrals, translation, and emergency support
Accommodation and Family Support
Coverage for extra accommodation and travel if your return is delayed due to illness or injury
Coverage for Pre-Existing Conditions
Some plans cover stable pre-existing conditions-ask your advisor for details
What's Not Covered?
- Unstable pre-existing conditions (unless specified)
- Routine medical care, check-ups, or ongoing treatments
- Pregnancy and childbirth (especially late-term travel)
- Injuries from high-risk activities or sports (unless covered by a rider)
- Travel for the purpose of seeking medical treatment
- War, terrorism, or civil unrest
- Cosmetic procedures and some mental health care
Who Is Eligible?
- Canadian residents with provincial health coverage
- Visitors to Canada with a valid visa
- Age limits may apply (varies by plan)
- Must declare any pre-existing conditions and travel dates
FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions about
Emergency Medical Insurance
Do I need emergency medical insurance if I have provincial coverage?
Yes-provincial plans have limitations, especially for out-of-province or international care.
Are pre-existing conditions covered?
Some plans cover stable pre-existing conditions; your advisor can help you find the right option.
How do I make a claim?
Contact your insurer's 24/7 helpline for guidance-many providers pay medical facilities directly.
Can I get coverage for multiple trips?
Yes-multi-trip annual plans are available for frequent travelers.
How much coverage do I need?
We recommend at least $1 million in coverage for international travel.
How do I get started?
Get a free quote or schedule a call with a licensed Punjab Insurance advisor for personalized help.
GOOGLE REVIEWS
Why Families & Businesses Choose Punjab Insurance
Aisha Malik
Sep 18, 2025
"I purchased a term life insurance plan and was impressed by the professionalism and clarity. The advisor patiently explained all options and helped me choose the right coverage. The process was smooth, and I now feel confident that my family's financial future is well protected."
Emily Carter
July 12, 2025
"Getting my health insurance was quick and hassle-free. The team guided me through multiple plans, explained benefits in detail, and answered all my questions. I felt reassured throughout the process. Their transparency and responsiveness made selecting the right policy."
Owen Mitchelle
Feb 14, 2025
"I recently filed a small claim and was impressed with how efficient and smooth the process was. The staff guided me step by step, and I received the payout promptly. The experience gave me full confidence in their service and made me feel secure about my coverage."
Arjun Patel
Nov 28, 2024
"Choosing a term insurance plan felt overwhelming at first, but the team made it simple and straightforward. They explained exactly what was covered and addressed all my questions. Premiums are affordable, and I now feel confident that my family is financially protected."
Rahul Mehta
Aug 27, 2025
"Overall, I had a positive experience purchasing health insurance. The policies were explained clearly, and I felt no pressure to decide quickly. Some email responses were slightly delayed, but the staff was friendly and helpful. I am satisfied with the coverage."
Meera Kapoor
Mar 22, 2025
"I was looking for reliable health insurance and found the team very supportive. They explained all policy benefits and helped me select the best coverage for my needs. It took a little longer than expected to receive all documents, but the overall process was smooth and reassuring."
Travel with confidence with comprehensive emergency medical coverage in Canada and abroad. Protect yourself and your loved ones from unexpected medical expenses and get access to the care you need-whether you're a resident, visitor, or frequent traveler-without financial worry.
Disclaimer: Information on this page is for general guidance only and not a substitute for professional advice. Please consult a licensed Punjab Insurance advisor for personalized recommendations.