GMS Travel Insurance: Is It Your Best Choice?

Visiting another country or province without travel insurance can be a costly mistake. If you need emergency medical attention while away you need a plan to pay for it.

Did you know that an overnight stay in a hospital in the United States can exceed $14,000 CAD? What about the fact that some countries might even refuse service to you if you are unable to prepay for treatment?

It is not fun to think about, but travel insurance is 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 that, it can help make you whole should something go wrong with your flight or you lose a bag. 

This page answers your questions about GMS travel insurance. Read our review, get GMS travel insurance quotes and see how the competitors fare. 

Our review of GMS travel insurance:

Group Medical Services (GMS) is a non-profit health and travel insurance provider, covering a vast range of medical costs that government and other private benefit plans do not. GMS was founded in 1949 in Saskatchewan and now offers services across Canada.

Continue below for GMS travel insurance pros and cons:

Why GMS could be right for you:

A trust health insurance brand
Discounts on Trip Cancellation Coverage and Companions when bundles with Emergency Medical Coverage
Easy to use website for online applications and inquiries
Include up to 6 dependant children under 16 for free

Why GMS may not be right for you:

Medical expenses related to a positice Covid-19 diagnosis are limited to $500,000, less than some competitors.
TravelStar Trip Cancellation Plans suspended at the time of review
Student plans suspended at the time of review

Compare quotes and options before choosing travel insurance with GMS. A little shopping around can help you to save money and find the coverage that fits your needs.

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What does GMS travel insurance cover?

GMS travel insurance covers medical emergencies and general medical issues like addiction and substance abuse. They also offer baggage protection and travel interruption benefits. Here are the main plans with GMS travel insurance:

TravelStar Emergency Medical Coverage

The TravelStar Emergency Medical Coverage falls under two plans (the Single Trip and the Annual Multi-Trip plans). It offers coverage reaching up to $5 million for medical emergencies particularly outside your province. An additional $500,000 covers COVID-19 related issues. In the case of a critical medical emergency, there is an added $20,000 to cater for remote evacuation.

TravelStar Single Trip Plan

Asides emergency medical coverage reaching up to $5 million, the TravelStar Single Trip plan offers free coverage for dependents or kids under the age of 16. Coverage can be easily extended after subscription has expired. Baggage protection coverage reaches up to $1,500 per person

TravelStar Multi-Trip Annual Plan

The TravelStar Multi-Trip Annual plan offers coverage reaching up to $5 million for trips taken throughout a policy year. GMS travel insurance also pays reasonable and customary expenses which are in excess. Coverage for personal effect against loss, theft or damage has a max of $1,500. Children under 16 are freely insured.

For more information on GMS travel insurance see:

Visitors to Canada can purchase GMS travel insurance.

Plan nameTravelStar Single Trip Plan TravelStar Multi-Trip Annual Plan
Emergency Medicalup to $5 million up to $5 million
Baggageup to $1,500up to $1,500
Covid-19up to $500,000up to $500,000
Comparison of GMS travel insurance

Good to know

For more information about how travel insurance and to learn about other top insurer read HelloSafe's guide to travel insurance.

How much does a policy with GMS cost?

The price of travel insurance coverage with GMS depends on your age, desired coverage and the destination and the length of your trip. Therefore it will be important to get an individual quote customized for your unique needs. 

Before settling on GMS travel insurance shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our tool:

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How do I purchase a plan with GMS?

Purchase online via their website or call to 1-800-667-3699.

How can I reach GMS by telephone?

GMS Travel Insurance can be contacted via their website or the toll-free number: 1-800-667-3699

How do I file a claim with GMS?

GMS travel insurance allows you to file your claims on their website. Their call channel 1-800-459-6604 is also available for filing claim or requesting assistance.

Claims from Saskatchewan residents can be mailed to:
Group Medical Services
2055 Albert Street PO Box 1949
Regina, SK S4P 0E3 CANADA

Claims from other resdents of Canada can be sent to:
(Claims insured within Canada)
Group Medical Services
2055 Albert Street PO Box 1949

(Claims incurred outside Canada):
Allianz Global Assistance
PO Box 277
Waterloo, ON CANADA N2J 4A4

Download the file claim form below:

Does GMS travel insurance cover Covid-19?

GMS travel insurance now offers coverage for COVID-19-related emergencies. Timely updates are made available online concerning hotspots, and potential travel interruption.


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