Scotiabank Travel Insurance Review 2024: Updated
Scotiabank Travel Insurance offers tailormade plans for Canadians travelling domestically and internationally, visitors to Canada, and students studying abroad or within Canada. It offers single-trip and multi-trip options, providing emergency medical coverage of up to $10 million, comprehensive trip cancellation/interruption, flight delays, and baggage-related costs.
Further, there are no age limits on most plans, providing extensive coverage options for seniors. Scotiabank also provides a special pandemic plan with up to $5 million coverage. But is it right for you? What does it cost? What are its drawbacks? Find out all the answers in our comprehensive Scotiabank travel insurance review.
Scotiabank Travel Insurance: Key Points
- Diverse range of travel insurance plans for Canadians, visitors, and students
- Single-trip and multi-trip options
- Emergency medical coverage up to $10 million
- 50% if you're travelling within Canada
- No age limits on most plans
- Get free travel insurance quotes online
- Those over 60 may have to answer medical questionnaire
Our Scotiabank travel insurance review
Scotiabank Travel Insurance offers a comprehensive suite of plans designed to cater to the diverse needs of Canadian travellers, students, and visitors to Canada. These plans, underwritten by Manulife, are known for their reliability and extensive coverage, making them a robust choice for travel protection.
For travelling Canadians, Scotiabank provides a range of single-trip and multi-trip options. The plans offer emergency medical coverage up to $10 million, which is comparable to big players like BCAA travel insurance. Another notable benefit is the 50% reduction in premium costs if the travel is confined within Canada, making it a cost-effective option for domestic travellers.
There are standalone plans for trip cancellation/interruption, all-inclusive plans, and even a COVID-19 Pandemic plan that covers up to $5 million in emergency medical care.
Scotiabank also provides plans for visitors to Canada ensuring comprehensive health coverage during their stay. The coverage ranges from $15,000 to $150,000, with additional benefits like travel accident insurance, and optional trip interruption benefits (up to $1,500 for single coverage and $5,000 for family coverage).
Students studying abroad or within Canada have plans specifically designed to meet their medical and travel needs. These plans offer up to $2 million in emergency medical coverage and are tailored to meet school medical insurance requirements. The range of Scotiabank plans is comparable to that of Blue Cross travel insurance, one of the other top providers to offer diverse coverage options for students and visitors.
Scotiabank travel plans are also suitable for seniors, with no strict age limits on most plans. Seniors can benefit from high coverage limits, such as $150,000 up to age 69, with comprehensive medical and trip protection. However, seniors might need to complete medical questionnaires to determine their eligibility and premium costs.
Expert advice
Scotiabank Travel Insurance is best for frequent travellers, families, and seniors who need robust medical and trip interruption coverage. The high coverage limits of up to $10 million and comprehensive plans ensure that frequent and long-term travellers are well-protected against various travel-related risks, making it an ideal choice for those who prioritize extensive and flexible travel insurance options
Pros of Scotiabank Travel Insurance Canada
- Range of single-trip and multi-trip plans for travelling Canadians
- Up to $10 million in coverage for medical emergencies
- There are no age limits for most plans ensuring good coverage for seniors
- Specialized plans for students and visitors to Canada
- 50% discount if travelling within Canada
- Easy-to-use online application and quick quotes
Cons of Scotiabank Travel Insurance Canada
- Premiums may be higher compared to some competitors.
- Seniors may need to complete detailed medical questionnaires.
- Limited customization options for certain plans.
- Coverage amounts and eligibility can vary based on age.
Before choosing Scotiabank travel insurance, compare options and quotes. A little shopping around can help you to save money and find coverage that fits your needs:
Compare the best travel insurance plans on the market!
What does Scotiabank travel insurance cover?
Scotiabank offers travel insurance plans in three categories:
- Travelling Canadians: Provides protection for Canadians travelling out-of-province or outside Canada against unexpected medical emergencies and trip disruptions.
- Visitors To Canada: Offers health coverage for visitors to Canada, ensuring they are protected during their stay and uninterrupted flight to Canada.
- Students: Covers emergency medical and healthcare expenses for full-time international students in Canada and Canadian students studying abroad or in another province.
Scotiabank Travel Insurance for Travelling Canadians
Scotia Travel Insurance for Travelling Canadians protects you against unexpected emergencies for out-of-province or international trips. It covers healthcare expenses not fully covered by provincial plans, ensuring you aren't burdened by large costs from medical emergencies or trip disruptions. Here are the Scotiabank travel insurance plans for travelling Canadians.
Single Trip Plan Options
- Single Trip Emergency Medical
- Up to $10 million in emergency medical coverage.
- Half the premium cost if travelling within Canada.
- Single Trip All Inclusive
- Up to $10 million in emergency medical coverage.
- Trip cancellation/interruption, baggage loss/damage, and travel/flight accident coverage.
- Single Trip Canadian Travel Emergency Medical
- Up to $10 million in emergency medical coverage within Canada.
- Half the premium cost if travelling within Canada.
- Trip Cancellation/Interruption
- Coverage for trip cancellations and interruptions due to emergencies.
- Emergency Medical Top-Up
- Additional coverage for trips longer than your current plan's coverage.
- Single Trip COVID-19 Pandemic Travel Plan
- Up to $5 million for non-COVID-19 expenses and up to $1 million for COVID-19-related expenses.
- Trip interruption benefits included.
- Full immunization offers up to $5 million in coverage for COVID-19 expenses.
Multi-Trip Plan Options
- Multi Trip Emergency Medical
- Up to $10 million in emergency medical coverage.
- Coverage for multiple trips throughout the year (choose 4, 10, 18, 30, or 60-day plans).
- Multi-Trip All Inclusive
- Up to $10 million in emergency medical coverage.
- Trip cancellation/interruption, baggage loss/damage, and flight/travel accident coverage.
- Option to add Emergency Medical “Top-Up” coverage.
Emergency Medical Plan for Visitors to Canada
Scotiabank Emergency Medical Plan for Visitors to Canada offers comprehensive coverage for medical emergencies, travel accidents, and trip interruptions.
- Emergency Medical Benefits: Coverage up to the amount purchased per insured person ($15,000, $25,000, $50,000, $100,000, or $150,000)
- Travel Accident Insurance:
- $50,000 for death or double dismemberment
- $25,000 for single dismemberment
- Optional Trip Interruption Benefits:
- Up to $1,500 for single coverage and $5,000 for family coverage
- Reimbursement of prepaid non-refundable and non-transferable trip expenses for covered events
- Covers risks such as medical condition or death of the insured or travel companion, and emergency hospitalization or death of the host during the trip
- Eligibility:
- $150,000 coverage is available up to age 69
- Meets insurance requirements for applying or holding a Parent and Grandparent Super Visa
Scotiabank travel insurance for students
It provides essential travel medical insurance for students studying abroad or within Canada, offering up to $2 million in emergency medical coverage. Ideal for Canadian students in another province or country and international students coming to Canada, this insurance may also meet school medical requirements. Here are the Scotiabank travel insurance plans for students:
- Inbound Students (International Students)
- Emergency Medical & Non-Emergency Medical: Up to $2 million
- Accidental Death or Dismemberment: $10,000 for death or double dismemberment, $5,000 for single dismemberment
- Outbound Students (Canadian Residents Studying Abroad)
- Emergency Medical & Non-Emergency Medical: Up to $2 million
- Accidental Death or Dismemberment: $10,000 for death or double dismemberment, $5,000 for single dismemberment
- Acts of Terrorism Coverage: Up to $35 million for Emergency Medical benefits per act of terrorism (for up to 2 acts per year)
- National Students (Canadian Residents Studying Within Canada)
- Emergency Medical & Non-Emergency Medical: Up to $2 million
- Accidental Death or Dismemberment: $10,000 for death or double dismemberment, $5,000 for single dismemberment
Scotiabank travel insurance for seniors
Scotiabank offers travel insurance plans that are suitable for seniors, including Single Trip Emergency Medical and Multi-Trip Emergency Medical plans, with coverage up to $10 million. The All-inclusive plans provide comprehensive coverage, including medical emergencies, trip cancellation/interruption, and baggage loss/damage. While many plans have no strict age limits, coverage details and premiums may vary based on age, and seniors might need to complete medical questionnaires. Specific age-related coverage, such as $150,000 up to age 69, may be available. For detailed information and personalized quotes, contact Scotiabank at 1-877-421-0157.
How much does Scotiabank travel insurance cost?
Here is the cost of Scotiabank Travel Insurance Canada in the table below:
Plan Type | Premium for 30-year-old traveller | Premium for 62-year-old traveller |
---|---|---|
COVID-19 Pandemic Travel Plan | $58.67 | $175.61 |
Trip Cancellation / Interruption (Trip cost of $5,000) | $284.04 | $358.56 |
Single Trip Emergency Medical | $52.32 | $156.49 |
Single Trip All-Inclusive | $208.92 | $361.69 |
- The 62-year-old's quote is for a healthy adult with no medical conditions
- You must fill up a questionnaire if you're above 60
The cost of travel insurance coverage with Scotiabank depends on several variables:
- 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 rates.
Before settling on Scotiabank 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!
How to get a Scotiabank travel insurance quote?
Obtaining a travel insurance quote from Scotiabank is a straightforward process. You have two convenient options to choose from:
- Online Quote:
- Visit the Scotiabank website and click on the "Get a Quote" option.
- Select the appropriate option based on your status as an existing Scotiabank customer or a new customer. Ensure you choose the correct category to receive an accurate quote.
- Phone Quote:
- Call the toll-free number 1-877-421-0157 to speak with a representative and obtain a travel insurance quote.
- The service is available Monday through Friday, from 8:00 AM to 8:00 PM ET.
How to file a Scotiabank travel insurance claim?
1. Start Your Claim Select one of the following ways to start your claim:
- Online: You can easily submit your claim online. Click here to start.
- Email: Send your claim details to [email protected].
- Phone:
- Toll-free from North America: 1-855-297-4371
- Collect from outside North America: 1-519-251-1581
Once you've started your Scotiabank travel insurance online claim, a customer service agent will open your claim and a claims package will be sent to you by either email or standard mail, based on your preference.
2. Submit Your Forms: Call 1-877-372-2989, Monday to Friday, 8:00 am-8:00 pm ET, and a Customer Service Representative will assist you.
You can download the Scotiabank travel insurance claim forms right here for free based on the category of your claim.
- Baggage Loss, Damage & Delay Claim Form
- Visitors to Canada Claim Form
- Trip Cancellation & Interruption Claim Form
- Medical Claim Form for Students
- Emergency Travel Medical Claim Form
Good to know
Make the claims process quicker by having the following information handy:
- Case or policy number
- Name
- Date of birth
- Telephone number
How do I contact Scotiabank travel insurance?
Departments | Hours | Scotiabank Travel Insurance Phone Number |
---|---|---|
Sales | Monday to Friday 8 am–8 pm ET | 1-877-421-0157 |
Service | Monday to Friday 8 am–8 pm ET Saturday 9 am–6 pm ET Sunday 11 am–5 pm ET | 1-877-421-0157 |
Assistance Centre | 24/7 | 1-877-372-2988 |
Claims | Toll-free from North America: Collect from outside North America: | 1-855-297-4371 1-519-251-1581 |
Complaints or Inquiries | Monday to Friday 8 am–8 pm ET | 1-877-421-0157 |
Is there Scotiabank travel insurance credit card coverage?
Scotiabank offers travel insurance coverage through several of its credit cards, including the Scotiabank Gold American Express, Visa Infinite, and Passport Visa Infinite cards. Here are the key details for each:
- Scotiabank Gold American Express - The Amex Gold Scotiabank travel insurance includes:
- Travel Emergency Medical Insurance: Up to $1 million for trips up to 25 days for those under 65, and up to 10 days for those 65 and older.
- Trip Cancellation/Interruption: $2,500 per person, up to $10,000 per trip.
- Flight Delay: $500 per trip.
- Lost and Delayed Luggage: Up to $1,000 per trip.
- Common Carrier Travel Accident Insurance: Up to $500,000.
- Scotiabank Passport Visa Infinite - The Visa Infinite Scotiabank travel insurance includes:
- Travel Emergency Medical Insurance: Actual costs covered
- Trip Cancellation/Interruption Insurance: Up to $10,000
- Flight Delay: Up to $500
- Lost Baggage Insurance: Up to $1,000
- Travel Accident Insurance: Up to $2,000,000
- Scotiabank Momentum Visa Infinite - The visa momentum Scotiabank travel insurance includes:
- Travel Emergency Medical Insurance: Up to $1,000,000
- Trip Cancellation/Interruption Insurance: Up to $10,000
- Lost and Delayed Baggage Insurance: Up to $500 each
Good to know
If you have a credit card with Scotiabank or any other provider, you can use our free tool HelloCard to find out all the credit card travel insurance benefits included. You can also compare multiple cards instantly.
What is Scotiabank travel insurance bounceback benefit?
The Scotia Travel Insurance BounceBack Benefit offers coverage if you need to return home from your trip early due to a family emergency or a natural disaster affecting your residence. This benefit reimburses up to $2,000 for economy class airfare to return home and back to your trip destination within the coverage period. This coverage is available for purchase with Single Trip Emergency Medical, Quick Trip, or Single Trip All Inclusive plans and must be purchased at the same time as your Single Trip plan
how many trips does the multi trip cover and do they all have to be in the same calendar year
Hello Catherine,
The multi-trip travel insurance typically covers an unlimited number of trips within a set policy term, often a calendar year, although it depends on the specific terms of the plan. Each trip may have a maximum duration (e.g., 30 or 60 days per trip), and yes, they usually need to fall within the same policy period, which is often aligned with the calendar year. For more specific details on Scotiabank's coverage, you might want to confirm the exact terms directly with them.