{"id":20216,"date":"2015-09-25T19:04:45","date_gmt":"2015-09-25T23:04:45","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/travel-insurance-5-minute-quote-2\/"},"modified":"2026-04-17T20:01:25","modified_gmt":"2026-04-18T00:01:25","slug":"travel-insurance-5-minute-quote-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/","title":{"rendered":"Travel Insurance in Quebec: Complete Guide to Prices and Coverage 2026"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#article\", \"headline\": \"Assurance voyage au Qu\u00e9bec : guide complet des prix, couvertures et conseils 2026\", \"url\": \"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/\", \"datePublished\": \"2015-09-25T19:04:45\", \"dateModified\": \"2026-04-10T18:00:00\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/jean-boissonneault\/\", \"description\": \"Courtier d'assurance de dommages associ\u00e9 certifi\u00e9 AMF depuis plus de 30 ans au Qu\u00e9bec et fondateur d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\", \"width\": 200, \"height\": 60}}, \"inLanguage\": \"fr-CA\", \"isPartOf\": {\"@type\": \"WebSite\", \"url\": \"https:\/\/www.assur360.ca\", \"name\": \"Assur360\"}, \"description\": \"Guide complet de l'assurance voyage au Qu\u00e9bec en 2026 : prix moyens, types de couvertures, limites de la RAMQ, conseils pour \u00e9conomiser et comparaison des options.\", \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/\"}}\n<\/script>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Every year, thousands of Quebecers go on a trip without knowing that the <strong>RAMQ only reimburses a fraction of medical expenses abroad<\/strong>. A simple visit to the emergency room in the United States can cost between $5,000 and $25,000, and a hospitalization of a few days can easily exceed $100,000. Travel insurance is your safety net for peace of mind.  <\/p>\n\n<p class=\"wp-block-paragraph\">This guide covers everything you need to know: the types of coverage, <strong>the average prices in Quebec in 2026<\/strong>, the pitfalls to avoid, and the best strategies to save on your travel insurance premium.<\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#How-much-does-travel-insurance-cost-in-Quebec-in-2026\" >How much does travel insurance cost in Quebec in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#Why-RAMQ-is-not-enough-to-travel\" >Why RAMQ is not enough to travel<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#The-5-Types-of-Travel-Insurance-Explained\" >The 5 Types of Travel Insurance Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#How-to-choose-the-right-travel-insurance\" >How to choose the right travel insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#7-tips-to-save-on-your-travel-insurance\" >7 tips to save on your travel insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#Travel-insurance-for-snowbirds-in-Quebec\" >Travel insurance for snowbirds in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#What-to-do-in-case-of-a-medical-emergency-abroad\" >What to do in case of a medical emergency abroad<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/travel-insurance-5-minute-quote-2\/#Video-Choosing-the-right-travel-insurance\" >Video: Choosing the right travel insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-travel-insurance-cost-in-Quebec-in-2026\"><\/span>How much does travel insurance cost in Quebec in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The price of travel insurance varies depending on your age, your destination, the length of stay and the type of coverage chosen. Here are the typical price ranges for a healthy Quebec traveller: <\/p>\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th>Type of coverage<\/th><th>Duration<\/th><th>Average price<\/th><\/tr><\/thead><tbody><tr><td>Basic Medical Insurance<\/td><td>1 week<\/td><td>$25 \u2013 $60<\/td><\/tr><tr><td>Basic Medical Insurance<\/td><td>2 weeks<\/td><td>$45 \u2013 $120<\/td><\/tr><tr><td>All-inclusive insurance (medical + cancellation + luggage)<\/td><td>1 week<\/td><td>$70 \u2013 $180<\/td><\/tr><tr><td>All-inclusive insurance<\/td><td>2 weeks<\/td><td>$100 \u2013 $300<\/td><\/tr><tr><td>Annual Multi-Trip Insurance<\/td><td>12 months<\/td><td>$150 \u2013 $500<\/td><\/tr><tr><td>Snowbirds (55+ years, 3-6 months)<\/td><td>90 \u2013 180 days<\/td><td>$500 \u2013 $3,000+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><strong>Factors that influence the price:<\/strong> age (premiums increase significantly after age 60), pre-existing medical conditions, destination (U.S. = more expensive), deductible chosen, and amount of coverage.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-RAMQ-is-not-enough-to-travel\"><\/span>Why RAMQ is not enough to travel<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">According to the <a href=\"https:\/\/www.ramq.gouv.qc.ca\/fr\/citoyens\/sejours-hors-quebec\/renseignements-generaux\" target=\"_blank\" rel=\"noopener\">R\u00e9gie de l&#8217;assurance maladie du Qu\u00e9bec (RAMQ),<\/a> your health insurance card only covers a very limited amount of care received abroad. The RAMQ reimburses a maximum of the equivalent of what the same treatment would have cost in Quebec \u2014 which often represents less than 10% of the actual bill. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>What the RAMQ does not cover:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Medical repatriation ($15,000 to $100,000+ per air ambulance)<\/li>\n\n\n\n<li>Hospitalization in the United States ($3,000 to $10,000\/day)<\/li>\n\n\n\n<li>Emergency dental care abroad<\/li>\n\n\n\n<li>Trip cancellation or interruption<\/li>\n\n\n\n<li>Lost or stolen luggage<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.canada.ca\/fr\/affaires-mondiales\/services\/canadiens-a-letranger\/voyager\/assurance.html\" target=\"_blank\" rel=\"noopener\">Government of Canada<\/a> strongly recommends that you purchase private travel insurance before travelling abroad.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-Types-of-Travel-Insurance-Explained\"><\/span>The 5 Types of Travel Insurance Explained<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">1. Emergency Medical Insurance<\/h3>\n\n<p class=\"wp-block-paragraph\">This is the <strong>most essential<\/strong> coverage. It covers emergency medical care, hospitalization, prescription drugs, repatriation and medical evacuation. Most policies offer coverage of $1 million to $10 million.  <\/p>\n\n<h3 class=\"wp-block-heading\">2. Trip Cancellation and Interruption Insurance<\/h3>\n\n<p class=\"wp-block-paragraph\">If you have to cancel your trip for a covered reason (illness, death of a loved one, natural disaster, loss of employment), this insurance reimburses your non-recoverable expenses: plane tickets, hotels, prepaid excursions. Especially useful for expensive trips or trips booked well in advance. <\/p>\n\n<h3 class=\"wp-block-heading\">3. Baggage insurance<\/h3>\n\n<p class=\"wp-block-paragraph\">Covers loss, theft or damage to your luggage and personal belongings. It also refunds essential purchases if your luggage is delayed by more than 6 to 12 hours, according to the police. <\/p>\n\n<h3 class=\"wp-block-heading\">4. Accidental Death and Dismemberment Insurance<\/h3>\n\n<p class=\"wp-block-paragraph\">Makes a lump sum payment in the event of accidental death or loss of a limb during the trip. It&#8217;s an additional protection that is added to your existing life insurance. <\/p>\n\n<h3 class=\"wp-block-heading\">5. Annual travel insurance (multi-trip)<\/h3>\n\n<p class=\"wp-block-paragraph\">If you travel <strong>3 or more times a year<\/strong>, annual multi-trip insurance is often more economical. It generally covers trips of 15 to 45 days each, depending on the insurer. A couple who travel regularly can save 30-50% compared to individual policies.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-choose-the-right-travel-insurance\"><\/span>How to choose the right travel insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Before you buy a policy, ask yourself these questions:<\/p>\n\n<ol class=\"wp-block-list\">\n<li><strong>What is your destination?<\/strong>  Medical care in the United States is among the most expensive in the world. Some policies offer discounted rates if you exclude the United States. <\/li>\n\n\n\n<li><strong>How long are you leaving?<\/strong>  The longer the trip, the higher the premium. For snowbirds (3-6 months), specialized products exist. <\/li>\n\n\n\n<li><strong>Do you have any pre-existing medical conditions?<\/strong>  Declare them honestly. An omission can invalidate your coverage at the time of a claim. <\/li>\n\n\n\n<li><strong>Does your credit card include insurance?<\/strong>  Some premium cards offer basic coverage. Check the amounts and exclusions before relying on them. <\/li>\n\n\n\n<li><strong>How much coverage do you need?<\/strong>  A minimum of $5 million is recommended for the United States and Europe. For lower-cost destinations, $1 million to $2 million may be enough. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">insurance broker<\/a> can compare several insurers to find the best coverage at the best price according to your specific profile.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-tips-to-save-on-your-travel-insurance\"><\/span>7 tips to save on your travel insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n<li><strong>Compare multiple insurers<\/strong> \u2014 prices range from 30% to 50% for similar coverage.<\/li>\n\n\n\n<li><strong>Choose a higher deductible<\/strong> \u2014 going from $0 to $250 deductible can reduce your premium by 15-25%.<\/li>\n\n\n\n<li><strong>Opt for annual insurance<\/strong> if you travel 3+ times a year.<\/li>\n\n\n\n<li><strong>Exclude the U.S<\/strong> . from your coverage if you don&#8217;t go.<\/li>\n\n\n\n<li><strong>Buy early<\/strong> \u2014 some insurers offer discounts if you sign up at the time of booking.<\/li>\n\n\n\n<li><strong>Check your employer coverage<\/strong> \u2014 your group insurance may already cover some of the costs.<\/li>\n\n\n\n<li><strong>Bundle car + home + travel<\/strong> with the same insurer for multi-product discounts.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Travel-insurance-for-snowbirds-in-Quebec\"><\/span>Travel insurance for snowbirds in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Quebecers who spend the winter in Florida, Arizona or Mexico have specific needs. Stays of 3 to 6 months require adapted policies, especially for travelers 55 years of age and older. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Important points for snowbirds:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Check the stability period required for pre-existing conditions (90 to 180 days depending on the insurer)<\/li>\n\n\n\n<li>Make sure your RAMQ coverage remains active (maximum 182 days outside Quebec per year)<\/li>\n\n\n\n<li>Consider a policy with an extension option in case of late return<\/li>\n\n\n\n<li>Prioritize a minimum of $5 million in coverage for the United States<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-to-do-in-case-of-a-medical-emergency-abroad\"><\/span>What to do in case of a medical emergency abroad<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol class=\"wp-block-list\">\n<li><strong>Call your insurer right away<\/strong> \u2014 the 24\/7 emergency number is on your insurance card. Most insurers require to be contacted within 24 to 48 hours. <\/li>\n\n\n\n<li><strong>Go to the nearest hospital<\/strong> \u2014 your insurer can coordinate payment directly with the facility.<\/li>\n\n\n\n<li><strong>Keep all receipts and medical documents<\/strong> \u2014 bills, prescriptions, medical reports.<\/li>\n\n\n\n<li><strong>Do not sign anything<\/strong> without speaking to your insurer, especially regarding a repatriation or transfer.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Video-Choosing-the-right-travel-insurance\"><\/span>Video: Choosing the right travel insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><iframe src=\"https:\/\/www.youtube.com\/embed\/3XGH1uwZjkE\" width=\"700\" height=\"394\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" title=\"Tips for choosing travel insurance in Quebec\"><\/iframe><\/p>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"combien-coute-assurance-voyage\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How much does travel insurance cost in Quebec?<\/summary>\n<p class=\"wp-block-paragraph\">The price varies according to age, destination and duration. For a healthy traveler, count $25 to $60 per week for basic medical coverage, or $70 to $180 for an all-inclusive package (medical + cancellation + luggage). Annual multi-trip insurance costs between $150 and $500 per year.  <\/p>\n<\/details>\n\n\n\n<details id=\"ramq-couvre-etranger\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Does RAMQ cover medical care abroad?<\/summary>\n<p class=\"wp-block-paragraph\">Very little. The RAMQ reimburses a maximum of the equivalent of what the care would have cost in Quebec, often less than 10% of the actual bill abroad. Medical repatriation, emergency dental care and trip cancellation are not covered.  <\/p>\n<\/details>\n\n\n\n<details id=\"assurance-carte-credit\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Is my credit card insurance sufficient?<\/summary>\n<p class=\"wp-block-paragraph\">Rarely. Premium credit cards sometimes offer basic coverage, but amounts are often limited ($50,000 to $500,000), restrictive conditions, and certain types of care are excluded. Check the details with your card issuer and top up with private travel insurance if necessary.  <\/p>\n<\/details>\n\n\n\n<details id=\"conditions-preexistantes\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I get travel insurance with pre-existing medical conditions?<\/summary>\n<p class=\"wp-block-paragraph\">Yes, most insurers cover pre-existing conditions if they are reported and stable for a certain period of time (usually 90 to 180 days). The premium will be higher, but lying or omitting a condition can invalidate your entire coverage. <\/p>\n<\/details>\n\n\n\n<details id=\"annulation-remboursement\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What does trip cancellation insurance cover?<\/summary>\n<p class=\"wp-block-paragraph\">Cancellation insurance reimburses your non-recoverable expenses (plane tickets, hotels, excursions) if you have to cancel for a covered reason: illness, death of a loved one, natural disaster, loss of job, or jury duty. Read the exclusions carefully \u2014 changes of mind are generally not covered. <\/p>\n<\/details>\n\n\n\n<details id=\"snowbirds-assurance\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What travel insurance for Quebec snowbirds?<\/summary>\n<p class=\"wp-block-paragraph\">Snowbirds (stays of 3 to 6 months) need a policy suitable for long stays with a minimum coverage of $5 million for the United States. Check the stability period required for pre-existing conditions and make sure you do not exceed 182 days outside Quebec to maintain your RAMQ coverage. <\/p>\n<\/details>\n\n\n\n<details id=\"urgence-etranger\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>What to do in the event of a medical emergency abroad?<\/summary>\n<p class=\"wp-block-paragraph\">Call your insurer&#8217;s 24\/7 emergency number (on your insurance card) immediately. Go to the nearest hospital. Keep all receipts and medical documents. Don&#8217;t sign anything without talking to your insurer. Most insurers require to be contacted within 24 to 48 hours.    <\/p>\n<\/details>\n\n\n\n<details id=\"economiser-assurance-voyage\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>How to save on travel insurance?<\/summary>\n<p class=\"wp-block-paragraph\">Compare several insurers (prices range from 30 to 50%), choose a higher deductible (15 to 25% reduction), opt for annual insurance if you travel 3+ times a year, exclude the United States if not necessary, and check if your group insurance already covers part of the costs.<\/p>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#combien-coute-assurance-voyage\",\"name\":\"Combien co\u00fbte une assurance voyage au Qu\u00e9bec ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le prix varie selon l'\u00e2ge, la destination et la dur\u00e9e. Pour un voyageur en bonne sant\u00e9, comptez 25 $ \u00e0 60 $ par semaine pour une couverture m\u00e9dicale de base, ou 70 $ \u00e0 180 $ pour un forfait tout inclus (m\u00e9dical + annulation + bagages). L'assurance annuelle multi-voyages co\u00fbte entre 150 $ et 500 $ par an.\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#ramq-couvre-etranger\",\"name\":\"La RAMQ couvre-t-elle les soins m\u00e9dicaux \u00e0 l'\u00e9tranger ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tr\u00e8s peu. La RAMQ rembourse au maximum l'\u00e9quivalent de ce que le soin aurait co\u00fbt\u00e9 au Qu\u00e9bec, soit souvent moins de 10 % de la facture r\u00e9elle \u00e0 l'\u00e9tranger. Le rapatriement m\u00e9dical, les soins dentaires d'urgence et l'annulation de voyage ne sont pas couverts.\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#assurance-carte-credit\",\"name\":\"L'assurance de ma carte de cr\u00e9dit est-elle suffisante ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Rarement. Les cartes de cr\u00e9dit premium offrent parfois une couverture de base, mais les montants sont souvent limit\u00e9s (50 000 $ \u00e0 500 000 $), les conditions restrictives et certains types de soins sont exclus.\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#conditions-preexistantes\",\"name\":\"Puis-je obtenir une assurance voyage avec des conditions m\u00e9dicales pr\u00e9existantes ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la plupart des assureurs couvrent les conditions pr\u00e9existantes si elles sont d\u00e9clar\u00e9es et stables depuis une certaine p\u00e9riode (g\u00e9n\u00e9ralement 90 \u00e0 180 jours). La prime sera plus \u00e9lev\u00e9e, mais mentir ou omettre une condition peut invalider toute votre couverture.\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#annulation-remboursement\",\"name\":\"Que couvre l'assurance annulation de voyage ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance annulation rembourse vos frais non r\u00e9cup\u00e9rables (billets d'avion, h\u00f4tels, excursions) si vous devez annuler pour une raison couverte : maladie, d\u00e9c\u00e8s d'un proche, catastrophe naturelle, perte d'emploi, ou jury duty. 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Rendez-vous \u00e0 l'h\u00f4pital le plus proche. Conservez tous les re\u00e7us et documents m\u00e9dicaux. Ne signez rien sans avoir parl\u00e9 \u00e0 votre assureur.\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/prix\/voyage\/#economiser-assurance-voyage\",\"name\":\"Comment \u00e9conomiser sur son assurance voyage ?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Comparez plusieurs assureurs (les prix varient de 30 \u00e0 50 %), choisissez une franchise plus \u00e9lev\u00e9e, optez pour l'assurance annuelle si vous voyagez 3+ fois par an, excluez les \u00c9tats-Unis si non n\u00e9cessaire, et v\u00e9rifiez si votre assurance collective couvre d\u00e9j\u00e0 une partie des frais.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Every year, thousands of Quebecers go on a trip without knowing that the RAMQ only reimburses a fraction of medical expenses abroad. 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