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.

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.

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.

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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	Up to $5,000,000 in Emergency Medical Coverage 24 essential benefits, including coverage for hospital, ambulance, nursing, diagnostic services. Single-Trip Plan -1 trip up to 365 days long Multi-Trip Annual Plan - unlimited number of trips throughout policy year, with choice of 15 or 30-day trip length maximum $0, $250, $1,000, or $5,000 deductible 24-hour worldwide assistance Emergency Dental Services Private Duty Nursing
Trip Cancellation Insurance	Trip cancellation and trip interruption Emergency Medical Conditions Single-Trip Plan - up to $20,000 per person Multi-Trip Annual Plan - $1,500, $2,500, or $5,000 per person, per trip Baggage Loss, Damage, and Delay up to $1,500 per trip Trip Delay Upgrade (optional)

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.

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!

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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:

1. Original itemized receipts, bills, and invoices.
2. Proof of payment (if applicable).
3. Complete medical records including final diagnosis by the attending physician.
4. Proof of travel showing the date you departed from and returned to your province/territory of residence.
5. Historical medical records (if requested).
6. Any other relevant documentation as requested by GMS.
7. 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