GMS Travel Insurance Review 2025
GMS Travel Insurance provides essential travel coverage so you are protected against unforeseen medical emergencies and trip cancellations. GMS offers an Emergency Medical Coverage plan, which provides up to $5,000,000 for hospital care, medical services, and even emergency dental treatment.
It also offers a Trip Cancellation Insurance plan that covers non-refundable expenses, trip interruptions, delays, and even baggage loss or delay. Both plans come in single-trip and multi-trip formats. If you're looking for straightforward travel insurance from a reputed provider, GMS could be a great choice.
In this review, find out all you need to know about GMS Travel Insurance: Coverage options, cost, pros and cons, deductible, discounts, and more, so you can decide if it's the right choice for you.
GMS Travel Insurance: 5 Key Points
- Offers Emergency Medical Coverage and Trip Cancellation plans
- Up to $5,000,000 in medical coverage
- Multi-trip and single-trip plans offered
- Get 10% off on Trip Cancellation when bundled with Emergency Medical Coverage
- Deductible options of $0, $250, $1,000, and $5,000
Our GMS Travel Insurance Review
GMS Travel Insurance offers robust protection against unforeseen medical emergencies and trip cancellations, making it a reliable choice for travelers. Their TravelStar® Travel Insurance Plans offer two key coverage options: Emergency Medical Coverage and Trip Cancellation Insurance.
With up to $5,000,000 in emergency medical coverage, including hospital care, medical services, and emergency dental treatment, you can travel with peace of mind. The emergency medical coverage offered by GMS is comparable to top providers like Blue Cross Travel Insurance and CAA.
The Trip Cancellation Insurance (up to $20,000) covers non-refundable expenses, trip interruptions, delays, and baggage issues, ensuring your travel investment is safeguarded. Both single-trip and multi-trip plans are available, catering to your various travel needs. The 10% discount when bundling emergency medical and trip cancellation coverage adds great value.
GMS also provides 24/7 multi-lingual travel assistance, enhancing your travel experience. However, the plans are less diverse compared to other providers like BCAA Travel Insurance and Blue Cross that also provide options for visitors to Canada. Further, the multi-trip annual plan is non-refundable. Despite this, GMS's straightforward approach and comprehensive coverage make it a strong contender in the travel insurance market.
Is GMS Travel Insurance good?
GMS Travel Insurance is best for frequent travelers and those planning significant single trips. The multi-trip plan is ideal for frequent travelers, while the extensive emergency medical coverage benefits anyone looking for reliable protection during international travel. It's a good choice for those who want simple and straightforward coverage without the complexity of choosing from multiple options.
Pros of GMS Travel Insurance Canada
- Up to $500,000 in emergency medical coverage
- Multi-trip and single-trip plans in both emergency medical and trip cancellation
- 10% discount when you bundle emergency medical and trip cancellation
- Get GMS travel insurance quotes online
- 24/7 multi-lingual travel assistance across the globe
- Emergency Dental Services covered
- Multiple deductible options from $0 to $5,000
Cons of GMS Travel Insurance Canada
- Less diverse plans than other providers
- Multi-trip annual plan in non-refundable
- Multi-Trip cancellation plan is available only with a Multi-Trip Annual Emergency Medical Plan
- No plans for visitors to Canada
Before you buy a GMS travel insurance plan, we recommend comparing Canada's best travel insurance plans. You can use our free tool below to get multiple travel insurance quotes online and compare the best options.
Compare the best travel insurance plans on the market!
What does GMS travel insurance cover?
GMS Travel Insurance offers comprehensive protection for unexpected medical emergencies and trip cancellations. Here's a table on the coverage offered by GMS travel insurance.
| Plan Type | What's covered: Key benefits |
|---|---|
| Emergency Medical Coverage |
|
| Trip Cancellation Insurance |
|
Here is the coverage in detail:
Emergency Medical Coverage
GMS Emergency Medical Coverage provides financial protection and access to essential medical services during your travels, covering a wide range of medical expenses up to $500,000. Here are the key coverage details:
Coverage Options:
- Single-Trip Plan: Coverage for one trip up to 365 days.
- Multi-Trip Annual Plan: Coverage for an unlimited number of trips throughout the policy year, with a choice of 15 or 30 days trip length maximum.
Benefits:
- Hospital Care: Ward or semi-private hospital accommodations, services, and supplies.
- Medical Services: Treatment by a physician.
- Diagnostic Services: Basic diagnostic tests.
- Out-patient Treatment: Medical treatment expenses.
- Prescription Drugs: Prescription drugs (30-day supply).
- Medical Appliances: Rental of essential medical appliances (e.g., wheelchairs, crutches).
- Emergency Dental: Up to $2,000 for dental accidents; $250 for dental pain.
- Nursing Services: Private duty nursing up to $5,000.
- Health Practitioners: Up to $300 for osteopath, physiotherapist, chiropractor, chiropodist, or podiatrist services.
- Ambulance Services: 100% coverage for road ambulance services.
- Air Ambulance: Up to $20,000 for air ambulance services in life-threatening emergencies.
- Repatriation: Transport to home province for further treatment.
- Family/Friend to Bedside: Up to $3,000 for travel expenses to visit a hospitalized insured person.
- Return of Remains: Up to $7,000 for preparation and transport of remains.
Trip Cancellation Insurance
GMS Trip Cancellation Insurance protects your travel investment by covering non-refundable expenses and offering support during trip delays or interruptions. Here are the key coverage details:
Coverage Options:
- Single-Trip Plan: Coverage for one trip, with a sum insured based on the trip value, up to $20,000 per person.
- Multi-Trip Annual Plan: Coverage for an unlimited number of trips throughout the policy year, with insurance amounts of $1,500, $2,500, or $5,000 per person, per trip.
Benefits:
- Trip Cancellation: Non-refundable portion of pre-paid travel arrangements and penalties.
- Trip Interruption: Costs for one-way return transportation and unused travel arrangements.
- Trip Delay: Extra expenses for transportation and up to $150/day for accommodations and meals.
- Baggage Loss/Damage: Up to $500 per item, maximum $1,500 per trip.
- Document Replacement: Up to $100 for replacing passports, driver’s licenses, birth certificates, and visas.
- Delayed Baggage: Up to $400 for essential items if baggage is delayed over 12 hours.
For more information on GMS travel insurance, you can download the PDF below.
Good to know
Did you know you could get travel insurance benefits on your credit card? Use our free tool HelloCard to find out all the credit card travel insurance benefits on your card.
What does GMS travel insurance cost?
Here are sample GMS travel insurance quotes we received online on August 5, 2024.
| Traveller Profile | Plan Type | Coverage | Destination | Trip Length | Deductible | Premium |
|---|---|---|---|---|---|---|
| 30-year-old | Single-Trip | Emergency Medical (Up to $5 million) | United States | 14 days | $250 | $36.54 |
| 30-year-old | Single-Trip | Emergency Medical (up to $5 million) + Trip Cancellation ($5,000) | France | 14 days | $250 | $244.80 |
| 65-year-old couple | Single-Trip | Emergency Medical (up to $5 million) + Trip Cancellation ($5,000) (per person) | United Kingdom | 14 days | $250 | $714.08 |
| 40-year-old | Multi-Trip | Emergency Medical (up to $5 million) + Trip Cancellation ($5,000) | Global | 30 days per trip | $250 | $249.62 |
GMS travel insurance rates will depend on the following factors:
- 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 quote for accurate GMS travel insurance rates based on your profile and travel needs.
Before settling on GMS travel insurance, check out other travel insurance plans, coverages and prices using our free comparison tool below:
Compare the best travel insurance plans on the market!
Good to know
GMS does not offer plans specifically for visitors to Canada. If you're a visitor and looking for travel coverage in Canada, checkout our guide on the best travel insurance for visitors.
How to file a GMS Travel Insurance Claim?
- Contact GMS Travel Assistance:
- Call GMS Travel Assistance as soon as possible in the event of a medical emergency.
- Toll-free: 1.800.459.6604 (within Canada & USA)
- Collect: 905.762.5196 (from all other locations)
- Submit a Completed Claim Form:
- Obtain and fill out the claim form from GMS or download in the section below.
- Submit the completed claim form within 90 days of the illness or injury.
- Provide Supporting Documentation:
- Original itemized receipts, bills, and invoices.
- Proof of payment (if applicable).
- Complete medical records including final diagnosis by the attending physician.
- Proof of travel showing the date you departed from and returned to your province/territory of residence.
- Historical medical records (if requested).
- Any other relevant documentation as requested by GMS.
- In the case of claims involving death, an autopsy may be required (subject to applicable laws).
- Authorization: You authorize GMS to receive reports about your medical treatment from any physician, service provider, person, hospital, or institution.
You can download the GMS travel insurance claim form from the website or right here by clicking the button below.
How to contact GMS Travel Insurance?
| Category | Contact Information |
|---|---|
| Medical Emergencies | Toll-free: 1.800.459.6604 (within Canada & USA) Collect: 905.762.5196 (from all other locations) |
| General Inquiries | Toll-free: 1.800.667.3699 Email: [email protected] |
| Claims and Documentation | Email: [email protected] |
| Mailing Address | Group Medical Services, 2055 Albert Street, PO Box 1949, Regina, SK, S4P 0E3 |
| Website | GMS Travel Insurance |
