Single trip · Annual plans
Provincial health coverage travels poorly. Travel insurance fills the gap — emergency medical care, trip cancellation and interruption, at home and abroad.
What is travel insurance?
Who it's a fit for
Travel insurance covers emergency medical care when you're away — where provincial coverage is limited and foreign hospital bills can be staggering — plus trip cancellation and interruption protection for the money you've prepaid.
Best suited for: Snowbirds and long-stay travellers, families taking vacations, cross-border shoppers, and anyone whose employer plan doesn't extend beyond the border.
The main forms of travel coverage
Exact limits, stability requirements and optional add-ons like trip cancellation vary by carrier — details are confirmed together before anything is recommended.
Single-trip medical
What makes it different: Emergency medical coverage for one trip, sized to the trip's length and destination.
Best suited for: Occasional travellers who want the right coverage for one specific trip.
Annual multi-trip
What makes it different: One policy covering every trip taken during the year, each up to a set number of days — usually better value once you travel more than a couple of times a year.
Best suited for: Frequent travellers, weekend snowbirds and anyone who does not want to think about buying coverage each time.
Snowbird & long-stay
What makes it different: Extended coverage built for longer stays abroad, where pre-existing conditions, stability periods and day limits are the details that matter most.
Best suited for: Retirees and others spending weeks or months away from home each winter.
Prefer to shop online?
Travel coverage is placed through TuGo. You can quote and buy directly through my personalized TuGo store — or reach out first and I'll help you pick the right option for your trip.
Get a TuGo quoteWhat it can do for you
Good to know
General information, not personal advice — details, eligibility and pricing depend on the insurer and the specific product, and are confirmed before anything is recommended.
Book a conversation
Tell me where you're going and for how long, and I'll come back with options that fit — no cost, no obligation.
Lavern Rankin is a Senior Partner with Eau Claire Partners — a full-service financial advisory firm helping Canadians build, protect and transfer their wealth with confidence.
Learn more about Eau Claire Partners