Take unlimited trips for a year with one convenient premium.
Travel insurance is a valuable investment for anyone who travels. With its wide range of coverage options, from medical emergencies and trip cancellations to lost luggage and trip delays, travel insurance can help you minimize the financial impact of unexpected events and ensure that you have peace of mind while on the go.
Travel Edge and Travel Edge Plus
Illness, accidents and medical emergencies can happen at any time—including on vacation. Your provincial and territorial government health insurance plans may only cover a fraction of healthcare expenses incurred outside your home province and may not provide any coverage if you travel abroad.
With Travel Edge and Travel Edge Plus you'll receive the following benefits;
Emergency medical coverage
With the CDSPI Travel Edge annual plan, you and your insured family members are protected up to $5 million in emergency medical coverage for each insured person per trip, subject to any individual benefit maximums.
Unlimited trips with one annual premium
With CDSPI Travel Edge you pay one annual premium that covers you for the entire year, no matter how many trips you take — so you don’t have to buy insurance every time you travel.
Avoid out-of-pocket expenses
If you're faced with any medical related travel expenses while abroad, your Travel Edge insurance will pay your service providers directly so you won't have to worry about any out-of-pocket expenses.
Choose between single or family plan
The choice is yours. With the family coverage option, you can insure parents and all dependent children under 21 years of age, or up to and including age 25 if attending university full-time.
When you purchase Travel Edge Plus you'll receive all the benefits listed above, plus Flight Accident, Baggage Loss and Trip Cancellation Insurance.
Trip Cancellation Insurance
You and your insured family members will receive up to $2,000 per person per trip for the non-refundable portion of prepaid travel arrangements and airfare in certain cases.
If baggage is lost, stolen or damaged on an insured trip, you or insured family members will be reimbursed up to $250 per baggage item with a $25 deductible.
If an insured persons death occurs as a result of an injury caused by an accident while travelling as passengers on an airplane or helicopter shuttle service, the beneficiary will receive $200,000 per insured person.
How It Works
When you purchase Travel Edge or Travel Edge Plus, you can enjoy the flexibility of taking unlimited trips within a year. You can then select the duration of your trips from four options: 15, 30, 60, or 90 days. For instance, if you choose the 15-day duration, you are covered for an unlimited number of 15-day trips throughout the year.
However, if you decide to take a trip that exceeds the duration you've chosen, you don't need to worry. Simply give CDSPI a call and pay for an additional "top up" to cover the extra days beyond your chosen limit. In the example provided, if you take a 21-day trip, you would need to pay for an extra 6 days of coverage to ensure that you are fully covered for the entire trip. This way, you can enjoy your travels with peace of mind, knowing that you are adequately covered.
Benefits at a Glance
Here’s a summary of the benefits. For full terms, conditions, exclusions and limitations, please refer to the policy.
The total amount payable under this policy for benefits A through N shall not exceed a maximum aggregate of $5 million per insured per trip. Individual benefit maximums apply where specified:
|Travel Edge and Travel Edge Plus|
|A||Emergency Hospital||Overall benefit|
|B||Emergency Medical Services||Overall benefit|
|C||Emergency Return||Overall benefit|
|D||Transportation of Family or Friend||$3,000|
|F||Return of Deceased||$3,000|
|G||Vehicle Services (Emergency)||$2,000|
|H||Stolen or Inoperable Vehicle||$5,000|
|J||Relief of Dental Pain||$200|
|K||Meals and Accomodation||$1,500|
|Travel Edge Plus Additional Benefits|
|M||Flight Accident Insurance||$200,000|
|N||Baggage Insurance||Single: $500|
|O||Trip Cancellation Insurance||$2,000 per insured|
Extra Trip Cancellation coverage is available for an additional premium payment. Conditions, limitations and exclusions apply. See the policy for more details.
Applying for Coverage
It’s easy to apply. Just give one of our Insurance Advisors at CDSPI Advisory Services Inc. a call at 1.800.561.9401 to apply by phone today or fill out an online application, you can also view a copy of the complete travel insurance policy.
For coverage for those older than 75, visitors coming to Canada, or students studying abroad, call 1.888.737.2228
What to do in Case of Emergency
If you require medical care while travelling, it is important that you contact Allianz Global Assistance before seeking treatment. Their caring and experienced in-house medical team is ready to help you 24/7. In your time of need, the Emergency Assistance Specialists will guide you to the most optimal healthcare provider based on your condition and location. This could include hospital emergency rooms, walk-in clinics, house-calls, or even a virtual health care provider.
Have your policy number on hand when contacting Allianz Global Assist. Your policy number can be found on the Confirmation of Coverage that was sent to you at the time of purchase.
Toll free within Canada/USA:
1 800 995 1662
Toll free within Canada/USA:
800 842 08420 or country code + 00 800 842 08420
If unable to contact Allianz through the toll-free numbers, you can call collect:
416 340 0049 (International operator assistance is required).
If your travel plans take you outside your home province or territory, it’s important to know your provincial or territorial government health insurance plan (GHIP) may not cover all your medical expenses.
If you do have a medical emergency, in most cases, the province you’re visiting will bill your home province directly. You won’t have to cover costs upfront – unless you’re visiting Quebec. As the only province not to sign an interprovincial billing agreement, Quebec’s visitors may have to pay for medical costs and then submit claims for reimbursement to their home province. In some cases, this also may be true for Quebec residents visiting other provinces.
For theses reasons, you should consider purchasing travel protection which will cover medical expenses not covered by your GHIP. And remember, wherever you are, you’ll need to show your health card to prove you’re insured, so make sure to bring it with you when travelling.
Not all medical expenses are covered by your government health insurance plan (GHIP) if you’re outside your home province. Services you may be required to pay for if you don’t have travel insurance include ambulance services or transportation back home. In addition, your insurance coverage for emergency medical care may be limited to the cost of the service in your home province. You would be responsible for the difference if fees are higher in the province you're visiting.
By purchasing travel protection you can help fill in these gaps in coverage.
You are eligible to apply for single or family coverage if you are:
- A dentist qualified to practise dentistry in Canada, who is a member of the CDA or a participating provincial or territorial dental association (in Quebec, only CDA members are eligible).
- A full-time or graduate student in a Canadian faculty or college of dentistry.
- A dentist under 76 years of age who is retired, non-practising or receiving disability benefits and who practised in Canada and was a member of the CDA or a participating provincial or territorial dental association.
- A dental practice staff member who is employed by an eligible dentist:
- An employee or retiree of a participating dental association or organization; or
- Family members of eligible individual listed above (a through e) are eligible including: your legal or common-law spouse (the person who has been living with you in a conjugal relationship continuously for at least one year), widow, widower, parent, brother, sister, legal guardian, stepparent, stepbrother, stepsister, aunt, uncle, niece, nephew, grandparent, grandchild, in-law, ward, or child. A caregiver is also considered a family member but only when travelling with your dependent child/children*.
Dependent Child/Children means your or your spouse’s unmarried child who is:
- dependent upon you for his/her sole means of support and, who is at least 15 days of age, but less than age 21, or
- if attending an accredited college or university as a full-time student up to and including age 25, or
- by reason of mental or physical impairment, is incapable of self-sustaining employment and is totally dependent upon you for support within the terms of the Income Tax Act.
To be eligible for coverage, each applicant coverage must:
- be at least 15 days old and under 76 years of age; and
- be insured for benefits under a Canadian government health insurance plan during the entire period of coverage; and
- not reside in a nursing home and receive nursing care; and
- not reside in a convalescent home or rehabilitation centre; and
- not require assistance with activities of daily living.
Yes, if you have purchased family coverage, then your family members will be covered for all trips, whether travelling together or independently.
COVID-19 will only be covered if the country the insured is travelling to is not in the Government travel advisory for COVID. If it is and the insured decides to travel there and contracts COVID, it is not covered. Costs are covered for diagnosis with and treatment of COVID-19 during the travel insurance coverage period.
Current travel advisories from the Government of Canada.
Trip cancellation coverage of up to $2,000 per insured, per insured trip is automatically included with Travel Edge Plus with the option to purchase additional limits. Your trip cancellation coverage is in effect within the limits of the policy.
Yes, if you’ve purchased family coverage, the coverage extends to your caregiver or nanny but only when travelling with your dependent child/children. The caregiver must be added as an insured on the policy.
The only deductible under these plans apply to Baggage Insurance where the insured would be subject to a $25 deductible per claim.
Yes, with Travel Edge Plus. If, while on an insured trip your baggage is lost, stolen or damaged by burglary, fire or transportation hazards or while in any hotel or other building, subject to a $25 deductible per claim and a limit of $250 per item, you will be reimbursed up to the maximum coverage amount for the type of coverage (single or family) you have selected and for which the appropriate premium has been paid. The loss must be supported in writing by an authorized official and/or police report.
This benefit does not cover:
- Breakage of, or damage to, fragile or brittle articles unless caused by fire or accident to the means of conveyance.
- Loss or damage not reported to the police and/or other authorized officials within 24 hours of discovery.
- Loss due to normal depreciation of the value of your articles.
- Loss of, or damage to, money, eyeglasses, sunglasses, contact lenses, medication, hearing aids, artificial teeth, tickets, documents, jewellery, or camera equipment.
- Loss or damage by theft from an unattended vehicle unless it was completely locked and there was visible evidence of forced entry.
- Loss or damage due to negligence on your part.
- Loss of, or damage to, fragile or perishable articles in checked baggage.
- Any loss or damage directly or indirectly resulting from, or arising out of, or in connection with any act of war or terrorism or nuclear incident.
Some Canadians may have travel insurance through their employer benefits program or as part of benefits included on a credit card. We recommend reviewing your coverage levels by contacting your employee or credit card benefits provider before travelling to review the types of benefits included, any special terms and conditions (i.e. whether your trip costs need to be paid on your credit card to be eligible for coverage) as well as the dollar limits for each benefit to ensure they’re adequate.
A standalone travel insurance policy can provide more comprehensive protection and should be considered if the travel coverage provided through your credit card or employer benefits is not sufficient for your travel protection needs.
Prior to booking any international trips, Canadians are advised to check the current travel advisories for all worldwide destinations. This listing, which is updated regularly by the Government of Canada, advises Canadians which destinations require normal security precautions, a high degree of caution, essential travel only, as well as avoidance of all travel.
Canadians should also refer to COVID-19 and International Travel for the latest recommendations and health precautions.
Travel News & Resources
Annual Premium Rates
Coverage for Travel Edge and Travel Edge Plus Insurance begins on the date your application and premium payment are received by CDSPI, or a later effective date that you specify, and is effective for one year from that date.
Premium rates include HST on the administration portion; other taxes are extra where applicable under federal or provincial laws.
Determining Your Premium for Single Coverage:
First decide whether you want Travel Edge or Travel Edge Plus. Then simply make your choice of 15-, 30-, 60- or 90-days coverage, and find the premium on the appropriate option table that corresponds to your age.
Determining Your Premium for Family Coverage:
First, select Travel Edge or Travel Edge Plus. Then, make your choice of 15-, 30-, 60- or 90-days coverage and add the figures that apply to each spouse’s age from the appropriate option table. Family coverage insures the parents and all dependent children under 21 years of age, or up to and including age 25 if attending university full-time. All insured family members are covered for all trips, whether travelling together or independently. In addition, family coverage provides travel insurance at no additional cost for a caregiver (a person who is 18 years of age or older, not related to you by blood or marriage, who is employed to provide childcare in your family home) when the caregiver is travelling with your dependent children.
|AGE||MAXIMUM DAYS PER TRIP|
|15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 54.03||$ 64.84||$ 185.71||$ 304.57|
|51 - 65||$ 88.56||$ 106.28||$ 211.49||$ 381.94|
|66 - 75||$ 187.62||$ 225.14||$ 428.11||$ 746.68|
|AGE||MAXIMUM DAYS PER TRIP|
|15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 237.81||$ 285.36||$ 396.86||$ 515.23|
|51 - 65||$ 270.56||$ 324.69||$ 421.77||$ 587.45|
|66 - 75||$ 430.26||$ 516.31||$ 707.60||$ 1,009.20|
|AGE||MAXIMUM DAYS PER TRIP|
|SASKATCHEWAN||15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 14.27||$ 17.12||$ 23.81||$ 30.91|
|51 - 65||$ 16.23||$ 19.48||$ 25.31||$ 35.25|
|66 - 75||$ 25.82||$ 30.98||$ 42.46||$ 60.55|
|MANITOBA||15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 16.65||$ 19.98||$ 27.78||$ 36.07|
|51 - 65||$ 18.94||$ 22.73||$ 29.52||$ 41.12|
|66 - 75||$ 30.12||$ 36.14||$ 49.53||$ 70.64|
|ONTARIO||15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 19.02||$ 22.83||$ 31.75||$ 41.22|
|51 - 65||$ 21.64||$ 25.98||$ 33.74||$ 47.00|
|66 - 75||$ 34.42||$ 41.30||$ 56.61||$ 80.74|
|QUEBEC||15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 21.40||$ 25.68||$ 35.72||$ 46.37|
|51 - 65||$ 24.35||$ 29.22||$ 37.96||$ 52.87|
|66 - 75||$ 38.72||$ 46.47||$ 63.68||$ 90.83|
|NEWFOUNDLAND AND LABRADOR||15 DAYS||30 DAYS||60 DAYS||90 DAYS|
|50 or under||$ 35.67||$ 42.80||$ 59.53||$ 77.28|
|51 - 65||$ 40.58||$ 48.70||$ 63.27||$ 88.12|
|65 - 75||$ 64.54||$ 77.45||$ 106.14||$ 151.38|
|AGE||RATE PER $100|
|65 or under||$ 5.40|
|66 - 75||$ 8.79|
|TOTAL TRAVEL PERIOD DAYS||AGE|
|0 - 50||51 - 65||66 - 75|
|1 - 59||$ 2.39||$ 2.86||$ 5.16|
|60 - 89||$ 2.98||$ 3.21||$ 7.16|
|90 - 119||$ 4.66||$ 4.68||$ 10.29|
|120 - 149||$ 5.08||$ 5.21||$ 11.91|
|150 - 183||$ 5.49||$ 6.27||$ 12.22|
We're here to help
Travel insurance is underwritten by CUMIS General Insurance Company, a member of the Co-operators group of companies, and administered by Allianz Global Assistance which is a registered business name of AZGA Service Canada Inc.