BMO Travel Insurance Review 2024: Updated
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Discover the methodologyTravelling without insurance can be costly. Did you know a single night's hospital stay in the U.S. can exceed $14,000? Some countries may even refuse treatment if you can't prepay.
Therefore, travel insurance is essential. It ensures you can get and pay for medical care when needed. It also helps with flight issues and lost luggage. BMO travel insurance offers solutions to a host of travel issues from medical emergency care to trip cancellation/interruption making sure you travel without trouble. No matter what your age, BMO offers essential travel insurance.
So what does BMO travel insurance cover? At what price? What are the pros and cons? Find all this information and more in our comprehensive BMO travel insurance review.
BMO Travel Insurance: 6 Key Points
- BMO offers travel insurance for single and multiple trips.
- Up to $5 million for medical emergencies.
- No age limits and emergency dental care included.
- The rates offered by BMO travel insurance are competitive.
- BMO travel insurance typically averages between $50 and $100 depending on your profile and plan.
- You get 24*7 travel assistance across the world.
Our BMO Travel Insurance Review
BMO Travel Insurance stands out with its five different plans, tailored to the varied needs of travellers. The emergency medical coverage is robust, with a limit of up to $5,000,000 for hospitalization, ambulance, and emergency medical care, comparable to Blue Cross Travel Insurance and CAA. While it is sufficient, it is lower than the $10 million emergency coverage offered by BCAA Travel Insurance.
BMO also covers private nursing for up to $5,000 during hospitalization, emergency dental care for up to $2,000, and emergency evacuation or air transport. You can also get trip cancellation of up to $20,000 and trip interruption of up to $3,000 per insured person to help you face any unforeseen circumstances.
You can get BMO Travel Insurance quotes online, simplifying the subscription process. Furthermore, the five plans offered (Multi-Trip Premium Travel Plan, Multi-Trip Travel Medical Plan, Single Trip Premium Travel Plan, Single Trip Travel Medical Plan, Single Trip–Trip Protection Plan) provide great flexibility in choosing the coverage best suited to each travel situation.
BMO travel assistance service is available 24/7, offering immediate help when needed, which is essential for international travellers. Overall, BMO stands out with its private nursing care and varied coverage options, though some benefits have slightly lower limits.
Expert advice
BMO Travel Insurance offers various coverage options and the possibility of private nursing care makes it an attractive option for individuals with specific medical needs. Travelers concerned about their safety will also appreciate the emergency air transport options and emergency dental care coverage. Compared to offerings from CAA or Blue Cross, BMO stands out with its numerous coverage options and specific services, making it an excellent choice for those seeking personalized and comprehensive protection.
Pros of BMO Travel Insurance
- Emergency medical care up to $5,000,000
- Five different plans to cater to different traveller needs
- Private nursing care up to $5,000
- Emergency dental care up to $2,000
- Emergency evacuation or air transport
- BMO travel insurance quotes are available online
- Travel assistance is available 24/7 through the BMO travel insurance phone number
- Customizable coverage options
Cons of BMO Travel Insurance
- Coverage for trip cancellation/interruption is relatively low compared to other insurers such as CAA
- The variety of options can make selecting an appropriate plan complex for some
- Eligibility conditions and specific exclusions can complicate the understanding of the coverage
Before choosing BMO, compare options and quotes. A little shopping around can help you to save money and find coverage that fits your needs. Use our free tool below to compare travel insurance from Canada's best providers. Get instant quotes for free.
Compare the best travel insurance plans on the market!
What does BMO travel insurance cover?
Whether you're travelling across Canada or around the world, BMO has a plan tailored to meet your needs. All plans include 24/7 travel assistance, ensuring that a network of medical and travel insurance professionals is always ready to help you anytime, anywhere. BMO offers the following five travel insurance plans:
| Coverage | Multi-Trip Travel Medical Plan | Multi-Trip Premium Travel Plan | Single Trip Travel Medical Plan | Single Trip Premium Travel Plan | Single Trip - Trip Protection Plan |
|---|---|---|---|---|---|
| Premium | From $55* | From $102* | Based on your travel needs/ details | Based on your travel needs/ details | Based on your travel needs/ details |
| Out-of-Province/Country Emergency Medical | |||||
| Trip Cancellation | |||||
| Trip Interruption and Delay | |||||
| Flight Delay | |||||
| Baggage and Personal Effects | |||||
| 24/7 Trip Assistance | |||||
| Unlimited Number of Trips per Year |
1. Single Trip Travel Medical Plan
- Out-of-Province/Country Medical: $5,000,000
- Hospital Room and Board: Semi-private or equivalent
- Emergency Medical Expenses: Physicians, diagnostic tests, ambulance services, prescription drugs (30-day supply)
- Incidental Expenses: $50/day up to $500
- Private Duty Nursing: $15,000
- Emergency Air Transportation/Evacuation
- Baggage Return: $1,000
- Dental Accident: $2,000
- Dental Emergency: $300
- Transportation to Bedside
- Return of Deceased: $10,000 for transportation, $5,000 for cremation/burial
- Additional Hotel/Meal Expenses: $200/day up to 10 days
- Return of Vehicle: $2,000
2. Multi-Trip Travel Medical Plan
- Similar coverage to the Single Trip Medical Plan
- Coverage for multiple trips throughout the year
3. Multi-Trip Premium Travel Plan
- Includes all benefits of the Medical Plan
- Additional coverage for trip cancellation (up to $20,000), trip interruption (up to $3,000), and baggage loss
4. Single Trip Premium Travel Plan
- Includes all benefits of the Medical Plan
- Additional coverage for trip cancellation (up to $20,000), trip interruption (up to $3,000), and baggage loss
5. Single Trip - Trip Protection Plan
- Trip Interruption/Delay: Up to $2,000
- Trip Cancellation: Up to the sum insured, a maximum of $20,000
- Flight Delay: Up to $500 per trip
- Baggage/Personal Effects: Up to $1,000 per insured
- Flight Accident: Up to $100,000
- Travel Accident: Up to $50,000
- Trip Assistance: Included
Here is a detailed explanation of each BMO travel coverage
Emergency Medical Care Outside Province or Country: This coverage allows you to be covered for emergency medical care across Canada (excluding your home province) and abroad, covering up to $5 million in medical expenses. The protection includes:
- Air ambulance transportation
- Emergency hospitalization
- Physician care
- Other medical expenses
Trip Cancellation Insurance: You are covered in the event you need to cancel your trip due to illness, death, or any other unforeseen event. Benefits are payable from the day the coverage begins until the scheduled departure date of your trip.
Trip Interruption Insurance: You have coverage up to $2,000 to return home if a family member falls ill or dies during your trip.
Flight Delay Insurance: You are covered up to $500 per trip for accommodation and additional travel expenses if your flight is delayed by more than 6 hours.
Baggage and Personal Effects Insurance: You have coverage up to $750 per insured person (and up to $2,000 per trip) in case of loss or damage to baggage and personal effects during the trip.
Please review the specific insurance certificates for comprehensive details and exact terms and conditions. For more information on all BMO travel policies, download the PDF below:
Good to know
Most BMO credit cards offer some kind of travel coverage. Take a look at what your credit card travel insurance covers using our free tool HelloCard. You get instant results and you can also compare credit cards.
What coverage does BMO travel insurance Mastercard offer?
The BMO Mastercard Travel Insurance coverage depends on the level of your credit card. Premium cards typically have comprehensive coverage. For example, here is the coverage for the Mastercard World Elite Business from BMO.
World Elite Mastercard BMO travel insurance (Business)
Your card BMO Mastercard World Elite Business offers the following key travel benefits:
| Coverage Type | Amount (Only on BMO Tavel insurance World Elite Business Card) |
|---|---|
| Out-of-Province Emergency Medical Insurance | Up to $5,000,000 |
| Trip Cancellation Insurance | Up to $5,000 |
| Trip Interruption | $10,000 |
| Flight Delay Insurance | Up to $500 |
| Baggage Loss, Theft, Damage | Up to $1,000 |
| Baggage Delay | Up to $500 |
Good to know
Bmo Travel Insurance Car Rental coverage through the World Elite Mastercard covers damages to a rented vehicle, provided the rental is fully paid with the card.
How much does BMO Travel Insurance cost?
Below is an overview of BMO travel insurance Canada costs:
| Traveler Profile | Trip duration | Multi-Trip Travel Medical Plan | Multi-Trip Premium Travel Plan |
|---|---|---|---|
| 50-year-old | 4 days | Starting at $55 | Starting at $102 |
The cost of travel insurance depends on several variables:
- Your profile. (Student, senior, snowbird, etc.)
- Your age.
- Your desired coverage and options.
- Your deductible.
- Your waiting period.
- Your destination(s).
- The length of your trip.
Therefore, we advise you to get a customized BMO travel insurance quote.
Before settling on BMO, check out other travel insurance plans, coverages and prices using our free comparison tool below.
Compare the best travel insurance plans on the market!
How to buy a BMO travel insurance policy?
You can get a BMO travel insurance quote and purchase a plan online and by phone:
- By phone: 1-800-661-9060
- Online: Get a quote on the website in less than 5 minutes
How to file a BMO travel insurance claim?
You must log in to your BMO claims portal to file a claim, and check the status, and all related claims information. If you need to seek emergency medical care, you can call the following numbers:
- North America: 1-866-520-8823
- Outside North America: 1-519-742-9013
It is recommended to have your policy number handy when contacting for a travel claim. You can find your policy number on your confirmation of coverage or wallet card. The emergency medical care calls are handled by Allianz Global Assistance.
How can I contact BMO travel insurance?
Here are the contact details for BMO:
| Communication Method | BMO Travel Insurance Contact Details |
|---|---|
| BMO travel insurance phone number |
|
| Website | bmo.com |
| In Person | You can also walk into your local BMO branch and a customer service agent will help you out |
Is there BMO travel insurance for COVID issues?
Yes BMO travel insurance COVID coverage is included. But it's based on the following criteria:
Covered:
- Medical expenses for COVID-19 if you get sick during your trip, provided no travel advisory was in effect at the start of coverage.
- Trip Cancellation benefits if you contract COVID-19 in Canada and need to cancel your trip.
- Trip Interruption benefits if you contract COVID-19 while travelling and no travel advisory was in effect at the start of coverage.
Not Covered:
- Medical expenses for COVID-19 if a travel advisory was in effect at the start of coverage.
- Trip Cancellation benefits if a travel advisory is reinstated for your destination and you wish to cancel.
- Trip Interruption benefits if a travel advisory is reinstated for your destination and you wish to interrupt your trip.
Is there BMO travel insurance for seniors?
While there is no specific plan for seniors, all BMO travel plans are inclusive and do not typically have age limits. To make it inclusive for seniors, BMO also tries to cover pre-existing medical conditions as long as they are stable for a specific period. The period varies depending on the age of the insured.
We recommend you speak to an advisor on the BMO travel insurance phone number 1-800-661-9060 to clarify coverage on pre-existing conditions and any possible exclusions for seniors.
You can check out our guide on the best travel insurance for seniors if you're looking for tailor-made plans for those above 60.
Good to know
2If you're 60 or older, to confirm your eligibility for coverage and determine your exact premium, you must complete a medical questionnaire online or by phone with BMO.
Is there an age restriction to my BMO master card travel insurance?
Hello Camille,
Yes, BMO Mastercard travel insurance policies often have age restrictions, particularly concerning emergency medical coverage. For instance, the BMO World Elite Mastercard provides out-of-province/out-of-country emergency medical coverage for cardholders under the age of 65, covering trips up to 21 days in length.
Other benefits, such as trip cancellation, trip interruption, and car rental insurance, may not have specific age limits but could have other conditions or limitations.
It's advisable to review the terms and conditions of your specific BMO Mastercard or consult with BMO directly to understand the coverage details and any applicable age restrictions.