Travel insurance, with the stability clause in plain words.

MSP pays almost nothing outside BC. Emergency medical coverage fills that gap, but only if your health has been stable for the period the policy names. We explain that rule before you pay, not after a claim.

Before you buy

What this policy does, and what it will not do.

What we write in
✓Emergency medical outside your province, up to $10 million
✓Trip cancellation and interruption
✓Baggage loss and delay
✓Visitors to Canada and Super Visa medical
✓Annual multi-trip plans for frequent travellers
What it will not do
✕Pre-existing conditions that are not stable for the stated period
✕Travel to a country under a government advisory
✕High-risk sports unless declared
✕Routine care you could have had at home
Who this is for

Three ways people hold this policy.

Snowbirds
Long stays in the US and Mexico, with stability periods that matter.
Families
One trip or a full year, kids often included at no charge.
Visitors and Super Visa
Parents and grandparents visiting Canada, with the $100,000 minimum met.
What moves the price

Five things the insurer looks at.

01
Age of each traveller
02
Trip length and destination
03
Medical questionnaire answers
04
Deductible on the medical portion
05
Single trip versus annual plan
Straight answers

Travel Insurance questions we hear most.

All FAQs→

Only if the condition has been stable for the policy’s stated period, typically 90 to 180 days. A change in medication, symptoms or treatment resets the clock.

Often not for trips over 15 days or travellers over 65. We will read your card’s certificate with you.

At least $100,000 in emergency medical from a Canadian insurer, valid for one year from entry.

A quote takes two minutes.A callback, the same business day.

Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.