Is Desjardins travel insurance the best in 2024?
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Discover the methodologyVisiting another country or province without travel insurance can be a costly mistake. An overnight stay in a hospital in the USA can exceed $14,000. Some countries might even refuse to help you if you are unable to prepay for treatment.
Travel insurance is therefore a necessity when you are away from home. It guarantees your ability to get and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance also helps with flight issues, lost luggage, accidents, and more.
Now while you're looking at options, you may want to consider Desjardins travel insurance. Read our complete review on Desjardins travel insurance with details on coverage, prices, and also get free quotes and see how it fares with competitors.
Our 2024 review of Desjardins travel insurance
The Desjardins Group is Canada’s largest cooperative financial institution with more than 7.5 million members most in Quebec and Ontario. It was founded in 1900 in Lévis, Quebec. Desjardins travel health insurance is therefore provided from a reputable company with a trusted history.
Continue below for pros and cons of Desjardins travel policies:
Why Desjardins could be right for you:
- A trust insurance brand
- 3 days of complimentary coverage for Desjardins members
- Insurance includes for free on some Desjardins business credit cards
- Easy to use website for online applications and inquiries.
- 24/7 customer service
Why Desjardins may not be right for you:
- A 30% penalty for not contacting Assistance Service before visiting a hospital or clinic
- Some advantages only available to Desjardins members
- No online chatbox
Before making your decision, compare Desjardins travel insurance quote with other providers. A little shopping around can help you to save money and find a coverage that really fits your needs:
Compare the best travel insurance plans on the market!
What does Desjardins travel insurance cover?
Desjardins typically provides coverage for a range of travel-related risks like trip cancellation, delays, emergencies like accidents, health, evacuations, and more. The specific coverage can vary depending on the policy and options chosen.
Below are Desjardin's main travel insurance plans:
Single Trip Travel Insurance
The basic plan offered by Desjardins is the Single Trip plan which features extensive coverage in case of medical emergencies and accidents outside your province in Canada. Medical emergency coverage reaches up to $5 million and caters for medical repatriation as well.
There is a 50% discount for Desjardins members who apply to trips of more than 30 days. The Single Trip insurance plan also features baggage protection against theft, loss or damage, and covers the cost of replacing lost, damaged and stolen items.
Additional coverage for trip cancellation and interruption is available under this plan.
Multi-Trip Annual Travel Insurance
With a single insurance plan, you can have all your travels for the year, covered against emergencies and interruptions. The Multi-Trip Annual insurance plan offers coverage for an unlimited amount of trips, and offers coverage benefits dependent on budget and needs.
Under this plan, trips are covered for up to 182 days. On the other hand, with this Desjardins travel medical insurance, the medical coverage reaches up to $5 million.
For more information, download the PDF below:
| Plan name | Single Trip Desjardins Travel Insurance | Multi-Trip Desjardins Annual Travel Insurance |
|---|---|---|
| Emergency Medical | up to $ 5 million | up to $ 5 million |
| Baggage | ||
| Cancellation | ||
| Interruption | ||
| Covid-19 |
Desjardins group travel insurance
Desjardins travel insurance Canada offers coverage offered specifically for groups, such as families, friends, or organisations traveling together. It provides coverage for multiple individuals under a single policy, simplifying the process and potentially offering cost savings compared to individual travel insurance plans.
For example, Desjardins offers the advantage of insuring your entire family under the same contract, where only the two oldest family members are required to pay premiums. This cost-saving benefit extends to dependent children traveling with their grandparents as well.
The specific coverage options, limits, and premiums may vary depending on the group size, destination, and other factors.
Does Desjardins travel insurance cover covid?
Yes, there is Desjardins travel insurance covid coverage for medical emergencies and travel interruptions but the coverage may vary depending on the specific policy and the time of purchase.
If you have Trip Cancellation coverage, you may be covered for costs related to changing the date and time of your flight. If you contract COVID-19 before your departure, coverage for treatment during your trip is available if specific conditions are met.
Additionally, if the Canadian government issues a level 1, 2, or 3 travel advisory for your destination, emergency healthcare coverage for COVID-19 is provided.
However, like other providers as Allianz Travel insurance, Desjardins coverage is not available if your destination or type of trip is subject to a Level 4 advisory before departure. It's important to refer to your specific policy and meet all outlined conditions for coverage.
Is there Desjardins credit card travel insurance?
Desjardins offers credit card travel insurance specifically designed for their credit cardholders.
Here's a quick roundup of what different credit cards cover. These coverages are for every insured person on the trip:
| Credit Card insurance type | Emergency Health Care Coverage | Trip Cancellation Coverage | Baggage Coverage |
|---|---|---|---|
| Desjardins Visa travel insurance | $5,000,000 | $500 | $500 |
| Desjardins Odyssey Gold Visa travel insurance | $5,000,000 | $2,500 | $1,000 |
| Desjardins Travel Gold travel insurance | $5,000,000 | $2,500 | $1,000 |
| Desjardins Odyssey World Elite Mastercard travel insurance | $5,000,000 | $2,500 | $1,000 |
| Desjardins Odyssey Visa Infinite Privilege travel insurance | $5,000,000 | $2,500 | $2,500 |
| Desjardins Prestige Platinum Visa travel insurance | $5,000,000 | $2,000 | $1,000 |
| Desjardins Platinum Visa travel insurance | $5,000,000 | $2,500 | $1,000 |
Please note that the table provides a summary of the coverage amounts for each category.
For details on specific coverage like mastercard travel insurance covid or visa Desjardins modulo gold travel insurance or Desjardins quattra travel insurance, it's important to review the complete terms and conditions of the policies associated with each credit card to understand coverage details, exclusions, and additional benefits.
How much does a Desjardins travel insurance plan cost?
The price of travel insurance coverage depends on:
- Your age.
- Your desired coverage and otpions.
- Your deductible.
- Your waiting period.
- Your destination(s).
- The lenght of your trip.
Expert advice
Therefore it will be important to get an individual quote customised for your unique needs.
Before settling on Desjardins, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:
Compare the best travel insurance plans on the market!
How to buy a travel insurance plan with Desjardins?
You can purchase the plans online by creating a Desjardins travel insurance login or by calling 1-855-368-6924. A customer service agent will give you the options based on your unique criteria and help you through the process.
How to file a Desjardins travel insurance claim?
Desjardins allows you to file your claim easily on their website. All you need to do is fill in a few questions on your policy, fill up a claim form, and submit with required supporting documents like ticket invoices, proof of hospitalisation, etc based on the claim being filed.
Phone claims may be filed at:
- 1-855-368-6924 (From Canada and the United States)
- +1-418-647-5140 (Worldwide)
For claim submissions related to the unfortunate circumstances of a policyholder's death or loss of use during travel, it is essential to contact Desjardins directly at 1-855-368-6924.
How can I contact Desjardins travel insurance?
You can get in touch through one of the following modes of communication and the Desjardins travel insurance customer service will guide you through any queries you have or information you may require.
- Desjardins's travel insurance email: [email protected]
- Desjardins travel insurance phone number: 1-855-368-6924 Customer Service.
Monday to Friday: 8 a.m. to 8 p.m. (Eastern Time)
Saturday: 8 a.m. to 4:30 p.m. (Eastern Time) - Desjardins Mail:
Desjardins Financial Security
200, rue des Commandeurs
Lévis (Québec) G6V 6R2
How do I cancel Desjardins travel insurance?
To cancel your insurance, you will need to contact Desjardins directly at 1-855-368-6924 or write to them at the email id mentioned above.
The customer service representative will provide you with the necessary instructions on how to proceed with the cancellation. They may ask you to submit a written request or provide specific documentation. Inquire about any potential cancellation fees or penalties that may be applicable.
However, canceling your travel insurance might put you at risk of incurring expenses in case of unforeseen circumstances. So it's highly recommended to have a policy that suits your unique needs and budget.
Now that you have all the information you need to decide if Desjardins is right for you, go ahead and compare other travel insurances to help you make the best decision with our comparator.
Compare the best travel insurance plans on the market!
We presently have Desjardins Travel Insurance for the year 2024. I believe until May of 2025. We are going away again in Jan 2025. I'm not sure if I have to notify you each time despite that I'm on a yearly plan.
Please let me know
Hi Irene,
If you are on a yearly travel insurance plan, it typically covers multiple trips within the coverage period, up to a maximum trip duration specified in your policy. You generally do not need to notify the insurer for each trip unless your policy requires it or you are exceeding the allowable trip duration.
Check your policy details to confirm:
Trip Duration Limit: Ensure your January 2025 trip does not exceed the maximum number of days per trip.
Notification Requirements: Some policies may ask for advance notice for trips beyond a certain duration or outside specified regions.
If you’re unsure, contacting your insurer directly to confirm the details is always a good idea.