Island Savings

Emergency Medical Insurance

This travel insurance is for you if:

  • you value the peace of mind knowing you're covered wherever your journey takes you.
  • you want to choose your coverage options to suit your individual needs.
  • you travel a little or travel a lot—across Canada or across the world.


Emergency medical treatment can easily cost tens of thousands of dollars regardless of the country you visit. Check out these real-life stories that demonstrate how a few dollars a day saved these travellers from financial disaster and ensured they were able to get the emergency medical treatment they desperately needed.

Emergency Medical: Key Benefits & Features

  • Maximum coverage: Up to $10 million
  • Area of coverage: Worldwide
  • Duration: Up to 365 days (more than 182 days outside of Canada may void your provincial MSP coverage)
  • Age limit: 15 days to 64 years
  • Deductible: Various amounts available
  • Multiple trips: Available (please call for information)
  • Family plans: Available
  • Emergency transportation: Up to overall maximum
  • Pre-existing conditions: Stable and reduced stability options available
  • Hospital: Up to overall maximum
  • Physiotherapist, chiropractor and other specified professionals: $500 per profession
  • Ambulance: Up to overall maximum
  • Dental: $4,000 accidental, $500 emergencies (pain relief)
  • Prescription drugs: Up to 30 day supply to maximum of $1,000 (limit does not apply when hospitalized)


Travel Assistance: Key Benefits & Features

  • Trip cancellation / interruption: Up to $15,000 online (call for quote on larger amounts)
  • Lost baggage: Up to $500 maximum or $300 per item ($50 deductible)
  • Accidental death: Up to $10,000
  • Flight Accident: Up to $50,000


As a full service insurance broker, Island Savings Insurance, a division of First West Insurance Services Ltd., will provide you with the best rates possible for the coverage you need.

General Costs

In general, several things contribute to the cost of emergency medical insurance:

  • Type of policy
  • Length of travel
  • Your age
  • Medical history

For more information or a price quote, contact an Island Savings Insurance location today.

Payment Options

Methods of Payment

We accept:

  • Cash
  • Personal Cheques
  • Debit Cards
  • MasterCard®
  • VISA

Pay monthly if you'd like to spread the insurance cost over 12 equal monthly payments.


Need to make a claim?

  • For assistance, call:
    • Canada/USA: 1-800-995-1662 (toll free) or 416-340-0049 (collect)
    • Worldwide toll free: 00-800-842-08420 or 800-842-08420
    • Worldwide collect: 1-416-340-0049

Ready to purchase? At Island Savings Insurance, we provide simple insurance solutions to suit your needs.


You can purchase most travel insurance policies online—it's quick and simple!

In Person

If you're more comfortable coming in to see us, we'd be happy to chat with you about the questions you have.

By Phone

If you’d like to call us, here is a complete list of our insurance office numbers.


For complete travel insurance terms, conditions, limitations and exclusions, please refer to the policy booklet.

Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies; administered by Allianz Global Assistance, which is the registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd; and, distributed by Island Savings Insurance, a division of First West Insurance Services Ltd.