Travel insurance in Quebec: medical, cancellation and baggage coverage in 2026

Very little. The RAMQ reimburses care abroad according to Quebec rates, which generally represents less than 5% of the actual bill. In the United States, a day in intensive care billed at US$25,000 will be reimbursed at about $200 to $500 by the RAMQ. Travel insurance bridges this huge gap.

Yes, absolutely. Any condition (diabetes, hypertension, heart disease, cancer in remission) must be reported. The police generally require that they be stable for 90 to 180 days (no change in medication, no new symptoms, no hospitalization). One omission = refusal to pay, even for an unrelated reason.

Rarely. Most cards offer medical coverage for up to 15 to 30 days with a cap of $1 million to $2 million. Retirees aged 65 and over are often excluded or limited to 3 to 10 days. Check your card contract — most Quebecers who rely on it have unpleasant surprises when they make a claim.

For medical coverage, before departure is enough. For cancellation coverage, purchase within 72 hours of booking the trip — after that, events that occurred between booking and underwriting will not be covered.

The United States is by far the most expensive destination in the event of a medical claim, followed by Australia, Japan, Switzerland, the United Arab Emirates, French Polynesia, Singapore and Hong Kong. A simple fall with a fracture can cost $15,000 to $80,000. A cap of $5 million to $10 million is strongly recommended for these countries.

Common activities (hiking, cycling, snorkelling, downhill skiing, boating) are usually included. High-risk activities (scuba diving, off-piste skiing, wall climbing, paragliding, motorcycling 250 cc+, safari, deep snorkeling) require an extreme sports endorsement. Tell your broker.

If your condition requires a return to Québec (serious injury, serious illness, access to specialized care), the insurer organizes and finances medical transport: private medical aircraft (air ambulance) or commercial flight with stretcher, accompanied by a doctor or nurse. Repatriation alone can cost $25,000 to $150,000 — hence the importance of this guarantee.

If the cause is a covered reason (illness, family death, job loss, legal summons, disaster at destination, etc.), the insurer reimburses the non-refundable expenses already paid: plane tickets, non-refundable hotels, cruises, all-inclusive packages. The refund is made upon presentation of supporting documents within 30 to 60 days.

Yes, in most cases, as long as you apply before the expiry date of the current policy and no medical event has occurred. Contact Assur360 as soon as you know that your trip will exceed the planned duration: we negotiate the extension with the insurer.

Yes. Assur360 is an AMF-certified brokerage firm that distributes travel products from TuGo, Manulife, Blue Cross, Allianz, Desjardins, Beneva, Secure Travel and others. We compare several offers to find the best coverage/price ratio according to your profile.