Many Canadians still travel without emergency medical insurance, mistakenly believing that government health plans cover everything.

Unfortunately, most of the costs of medical care outside Canada far exceed what is covered by provincial government plans. Provincial plans provide only a small fraction of costs of treating illness and accidents outside Canada. Depending which province you live in, your government health plan coverage is capped at rates between $75 Cdn. and $400 Cdn. a day. But in the United States, a typical hospital will charge $1,800-$3,500 a day, and as much as $10,000 per day for intensive care and complex cases. Without travel insurance, a serious illness or injury can not only ruin your vacation, but it can leave a huge financial scar.

$150 travel insurance policy can save families over $100,000 in medical bills. Considering rates start as low as $1.10 per day, travel insurance is a prudent and very worthwhile investment. Travel insurance not only covers those costs, but our travel assistance service also plays an important co-ordination role. Insurance company deals directly with the hospital abroad and gets the patient home as quickly as possible.The cost of this transportation by air ambulance, for examle, in USA and aircraft to Canada could be easily more than $13,000, and the total, including air ambulance and hospital bills, added up to over $100,000, which wii be covered by Insurance company.

There are many different travel insurance policies, each designed for different types of travel.

Group Medical Services Travel Plans ensure you have the emergency medical, trip and baggage coverage you need when traveling out-of-country and out-of-province. GMS provides 24/7 emergency assistance to help you and your family through a medical emergency, replace lost documents and provide claims information and assistance.

Group Medical Services offers you true value, with comprehensive medial and non-medical plans and packages at affordable, competitive rates. You'll save up to 35% when compared to many vacation insurance plans. Be sure to ask about our new All-Inclusive Multi-Trip Annual plans for comprehensive coverage - all year round!

TravelStar® Single Trip Daily provides up to $5 million coverage for a complete complement of emergency benefits for short and long-term trips, no age restrictions, direct payment to health providers and 24-hour worldwide travel assistance. TravelStar® Daily is the perfect choice for Canadian Snowbird travelers!

A great plan for business and casual travelers! The Multi-Trip Annual Travel plan provides emergency medical coverage for travel outside your province or outside Canada for trips under 15 or 30 days. Buy it once and take as many trips as you want in a year.

Unexpected events may force you to cancel your trip or change your return date. When that happens, you’ll be happy to have TravelStar® Trip Cancellation & Interruption insurance. GMS covers you both prior to, and after departure in the event of medical emergencies, cancelled business meetings, weather delays, default of travel suppliers and more.

Lost, stolen or damaged baggage, personal belongings and currency can be a major problem when you’re traveling. TravelStar® Baggage & Personal Effects insurance can streamline the process of replacement and reimbursement.

Traveling with your laptop computer or sporting equipment like golf clubs or hockey equipment? TravelStar® Special Risk Baggage coverage helps put your mind at ease. When purchased with trip or baggage insurance, you'll be covered for up to $2,000 per item or set of items.

Combine Emergency Medical, Trip Cancellation & Interruption and Baggage Loss, Damage & Delay coverage at a special discounted rate. Single Trip and Multi-Trip 15 and 30 day options are available.

Please call the Universal Finance Insurance Broker at 647-428-1954, SKYPE: universal-finance, or use our convenient Contact Form if you have any questions. Our friendly and knowledgeable customer representativesare happy to assist you.

If you are the existent client of Universal Finance and already familiar with insurance coverage terms and features, you can buy Travel Insurance online right now following this link:  TravelStar® Plans

We are committed to protecting the privacy, confidentiality and security of the personal information we collect, use and disclose. Your personal information, including your medical history, will be collected, used and disclosed only for the purpose of providing you with the requested insurance services.