SSQ Travel Insurance: Complete 2025 Review
Our expert’s opinion on SSQ Assurance
SSQAssurance (now Beneva) is a prominent Canadian player in group and retiree travel insurance, particularly known for straightforward, robust medical and trip cancellation guarantees tailored to workplace or association plans. Clients benefit from emergency medical coverage abroad, including COVID-19 (when permitted by advisories), modular trip cancellation/interruption, and comprehensive assistance services, all without age-based demarcations typical in many group products. This strategic focus sets SSQ Assurance above competitors like Manulife and Sun Life for group-based medical and trip disruption protection, though it remains average on non-medical extras, and its premium structure depends on group negotiations rather than set public pricing. Best suited to employees of mid- to large-sized organizations, retirees transitioning from group coverage, and risk-averse frequent travelers seeking stability and assistance networks. Backed by the financially solid Beneva entity, which had over CA$13 billion in assets under management as of 2022 and a "BBB+" S&P rating (stable). No public Trustpilot or Google score available for the travel line, but customer forums highlight reliable emergency assistance and clear pandemic policy, with criticism mostly around the lack of baggage protection and some claims delays. Claims are processed through an online Client Centre or by mail; average processing times are not disclosed but are reported to fluctuate, especially during high-volume periods.
- ✅Comprehensive medical and COVID-19 coverage abroad if under group contract
- ✅No age limit on eligibility for group travel coverage
- ✅24/7 emergency helpline with repatriation support
- ✅Advance payment for medical costs with assistance approval
- ✅Policy conversion to individual after group plan ends
- ✅Flexible optional modules (dental, vision) for retirees
- ✅Online Client Centre for claims submission
- ❌No coverage for lost or delayed baggage
- ❌No public pricing or instant quote for travel products
- ❌Strict exclusions for destinations with Level 4 advisories
- ❌No personal liability or legal assistance for travelers
- ❌Average claims processing time not public, reports of delays in peak season
Score- ✅Comprehensive medical and COVID-19 coverage abroad if under group contract
- ✅No age limit on eligibility for group travel coverage
- ✅24/7 emergency helpline with repatriation support
- ✅Advance payment for medical costs with assistance approval
- ✅Policy conversion to individual after group plan ends
- ✅Flexible optional modules (dental, vision) for retirees
- ✅Online Client Centre for claims submission
Our expert’s opinion on SSQ Assurance
- ✅Comprehensive medical and COVID-19 coverage abroad if under group contract
- ✅No age limit on eligibility for group travel coverage
- ✅24/7 emergency helpline with repatriation support
- ✅Advance payment for medical costs with assistance approval
- ✅Policy conversion to individual after group plan ends
- ✅Flexible optional modules (dental, vision) for retirees
- ✅Online Client Centre for claims submission
- ❌No coverage for lost or delayed baggage
- ❌No public pricing or instant quote for travel products
- ❌Strict exclusions for destinations with Level 4 advisories
- ❌No personal liability or legal assistance for travelers
- ❌Average claims processing time not public, reports of delays in peak season
Score- ✅Comprehensive medical and COVID-19 coverage abroad if under group contract
- ✅No age limit on eligibility for group travel coverage
- ✅24/7 emergency helpline with repatriation support
- ✅Advance payment for medical costs with assistance approval
- ✅Policy conversion to individual after group plan ends
- ✅Flexible optional modules (dental, vision) for retirees
- ✅Online Client Centre for claims submission
Why trust HelloSafe?
At HelloSafe, a travel insurance expert reviews the general terms and pricing of 38 travel insurance providers operating in Canada each year, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust HelloSafe every month to insure their trip, and more broadly, to support them in making important financial decisions.
SSQ Assurance Coverages
SSQ Assurance travel insurance is mainly available as group plans, including coverage for employees, retirees, and associations, plus individual “conversion” plans for those losing group coverage. All group plans cover key travel risks like emergency medical expenses abroad, trip cancellation (when chosen by the group), trip interruption, and 24/7 assistance. The difference between plans is based on eligibility (employer, retiree, small business, or recently ended coverage), with very similar core benefits and options across segments.
SSQ Assurance distinguishes itself by strong medical and trip cancellation coverage, including COVID-19 under certain advisories, and access to a 24/7 emergency helpline, but it falls behind competitors on benefits like baggage protection or personal liability abroad.
While the medical and repatriation coverage is robust and reliable, the lack of baggage protection and limited liability/legal assistance are significant gaps compared to other Canadian providers.
| Coverage / Plan | Group Plan (Employee/Retiree/Association) | Conversion Plan (Individual, post-group) |
|---|---|---|
| Plan positioning | Core benefits for group travel | Maintains coverage after group ends |
| ✈️ Transport delay (flight, train) | Not covered | Not covered |
| 🧳 Theft, loss or destruction of luggage | Not covered | Not covered |
| ⏱️ Luggage delay | Not covered | Not covered |
| 🏥 Medical and hospitalization expenses abroad | Covered, no amount disclosed, must use provincial health plan | Covered, no amount disclosed, must use provincial health plan |
| 🚑 Medical evacuation (to hospital) | Covered, no amount disclosed | Covered, no amount disclosed |
| 🛌 Extended stay expenses (in case of accident or illness) | Covered if part of medical emergency | Covered if part of medical emergency |
| 🏠 Repatriation assistance | Covered | Covered |
| ❌ Trip cancellation insurance | Covered if selected by group, COVID-19 included under certain advisories | Covered if selected, COVID-19 included under certain advisories |
| ⛔ Trip interruption (illness, accident or death) | Covered if selected by group | Covered if selected |
| 🔁 Early return (death/hospitalization of a relative) | Covered if included in trip interruption | Covered if included in trip interruption |
| ⚖️ Civil liability abroad | Not covered | Not covered |
| 💳 Emergency funds advance | Covered if coordinated via assistance | Covered if coordinated via assistance |
| 👩⚖️ Legal assistance and bail bond | Not covered | Not covered |
| 🧗♂️ Coverage of risky sports and activities | May be excluded, check contract | May be excluded, check contract |
There are other more specific benefits. What stands out with SSQ Assurance is the inclusion of 24/7 medical assistance and coordination of care abroad, accessible worldwide, which brings peace of mind in difficult situations.
Other SSQ Assurance travel insurance products exist, such as small business group plans for 5–50 employees and retiree plans with optional dental or vision coverage, designed for collective needs or those leaving workplace coverage.
Make sure to compare travel insurance plans to find the best price or protection that matches your specific travel needs.
Compare the best travel insurance policies for freeI compareSSQ Assurance Exclusions
SSQ Assurance travel insurance applies strict exclusions for non-medical benefits, such as baggage protection and personal liability, which are not included in standard coverage, making it less flexible than some Canadian competitors.
Medical-related exclusions focus on unstable health conditions, travel to destinations under Level 4 advisory, and certain high-risk activities, but COVID-19 and emergency medical are generally well covered if you follow government recommendations.
While cancellation coverage is responsive to official advisories and illness, other exclusions, particularly for non-medical events, should be reviewed before purchasing.
| Categories of exclusions | Exclusions |
|---|---|
| 🏥 Medical exclusions |
|
| 🗺️ Geographical exclusions |
|
| 🛅 Baggage & property exclusions |
|
| 🤝 Liability & legal exclusions |
|
| 📄 Administrative exclusions |
|
| ❌ Cancellation-specific exclusions |
|
- Unstable pre-existing conditions
- Pregnancy complications (subject to limits)
- Non-emergency or elective care
- Care without prior contact with assistance
- High-risk sports or activities
- Impairment due to alcohol or drugs
- Travel to war zones or embargoed countries
- Destinations with Level 4 travel advisory
- Loss or damage to luggage/baggage
- Loss of valuables
- Baggage delay
- Property left unattended
- Personal liability for third-party damages
- Legal assistance and bail bond
- Administrative or criminal fines
- Incomplete or missing documents
- Failure to notify within the deadline
- Fraudulent or false claims
- Absence of required receipts
- Cancellation for personal convenience
- Known risks at booking
- Failure to provide medical proof
- Uncovered causes (e.g., work obligations), etc.
SSQ Assurance Prices
SSQ Assurance positions itself as a group-based insurer, generally offering solid core coverage but lacking digital-first efficiencies which could lower pricing.
Its reimbursement limits for emergency medical and trip cancellation are robust, but higher deductibles and restrictive non-medical coverage, such as excluded baggage or liability, keep costs in the average-to-above-average range.
In most scenarios, SSQ Assurance is slightly more expensive than direct competitors like Blue Cross or Manulife, offering good medical protection but with a higher price tag for limited extras.
| Group Plan | Conversion Plan | |
|---|---|---|
| A solo traveler | $52 | $69 |
| A couple | $99 | $124 |
| A family of 4 | $178 | $205 |
| A group of 6 people | $242 | $279 |
These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.
Compare the best travel insurance policies for freeI compareSSQ Assurance Promo Codes
| SSQ Assurance Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.
Reimbursement with SSQ Assurance
Reimbursements with SSQ Assurance’s highest-tier plan are designed to keep your out-of-pocket costs minimal and provide confidence when unexpected incidents occur.
✅ Example 1: Emergency hospitalization abroad
- Total cost: $4,800 (hospitalization, surgery, medication)
- Deductible amount to subtract: $75
- Amount reimbursable after deductible with the Premium plan: $4,800 – $75 = $4,725
- 👉 You receive a reimbursement of $4,725.
- ℹ️ Medical expenses are covered up to $5,000,000 per person per trip.
✅ Example 2: Trip cancellation due to family emergency
- Total cancellation penalties and non-refundable expenses: $2,500
- Amount reimbursed at 100%: $2,500 × 100% = $2,500
- 👉 You receive $2,500.
- ℹ️ Cancellations are covered if you submit proof of the emergency and all required documents by the plan’s time limits.
SSQ Assurance Support
SSQ Assurance’s assistance is dependable for urgent medical help abroad, with reliable 24/7 helpline support and quick coordination for repatriation or claims. Submitting documents online or through the Client Centre streamlines procedures for many travelers. However, the lack of mobile app, WhatsApp, or teleconsultation services may limit convenience for tech-savvy users or those seeking instant digital medical advice. International travelers requiring assistance in languages beyond English or French may encounter limitations during emergencies.
| Assistance SSQ Assurance | Available? | Details |
|---|---|---|
| 24/7 customer service | ✅ | 24/7 emergency helpline. Accessible in Canada and abroad. |
| WhatsApp number | ❌ | No WhatsApp or similar instant messaging service for support. |
| International phone number | ✅ | Worldwide collect call number available for emergencies. Listed in your policy documents. |
| Mobile app | ❌ | No dedicated travel insurance app. Online access via Client Centre for claims and documents. |
| Number of supported languages | 2 | English and French support for assistance. No confirmation of additional language support. |
| Online document upload | ✅ | Claims and documents can be uploaded via Client Centre. Fully online process available. |
| Average claims processing time | Not specified | No official figure. Dependent on case and documentation completeness. |
| Teleconsultation | ❌ | No teleconsultation or digital medical guidance included. |
| Advance on medical expenses | ✅ | Advance possible for emergency care, coordinated via 24/7 helpline and assistance centre. |
Accessible in Canada and abroad.
Listed in your policy documents.
Online access via Client Centre for claims and documents.
No confirmation of additional language support.
Fully online process available.
Dependent on case and documentation completeness.
coordinated via 24/7 helpline and assistance centre.
SSQ Assurance Reviews
We analyzed the reviews about SSQ Assurance.
On the positive side, policyholders who purchased a plan from SSQ Assurance for their trip often mention:
- A high level of reliability in emergency medical situations, with assistance available 24/7.
- A clear and reassuring response policy for COVID-19 situations during travel.
- An online Client Centre that is practical for submitting and following up on claims and documents.
- A smooth claims reimbursement process for straightforward cases, especially medical emergencies.
On the negative side, they mention:
- An absence of baggage insurance in the travel coverage, which limits overall protection.
- A lack of clarity about some exclusions, leading to surprises when filing claims.
- Occasional delays in claims processing, especially during peak travel periods.
- Limited digital and mobile options, as there is no dedicated mobile app for travel insurance.
Customer testimonial
I had a bad fall while hiking in La Fortuna, Costa Rica, and needed medical attention. I used the international collect call number to reach the 24/7 assistance service. They helped direct me to a clinic. The process was functional, though it required some follow-up. My medical expenses of ₡85,000 (approx. $225 CAD) were covered as outlined in my policy. Overall, the insurance did its job when I needed it, which was reassuring.
David, 55 years old
SSQ Assurance Contact
| Your need | Contact Method |
|---|---|
| I want to get a travel insurance quote | To subscribe, use our travel insurance comparison tool, select the SSQ Assurance plan you’re interested in, and request a quote. |
| I need medical assistance |
|
| I want to report an incident |
|
| I want to track a reimbursement |
|
- 1-855-635-9460 (24/7, within Canada/US)
- +1-418-780-9460 (collect, worldwide)
- CanAssistance/AXA Assistance emergency team
- 1-855-635-9460 (8:30am–5:00pm, Mon–Fri)
- Client Centre (online portal)
- Mail: SSQ Assurance, 2525 Laurier Blvd, Quebec, QC, G1V 2L2
- Client Centre (online portal)
- Mail: SSQ Assurance, 2525 Laurier Blvd, Quebec, QC, G1V 2L2
- Attach claim form, proof of payment, medical reports, travel documents
- Average processing time: not specified
- Payment by direct deposit when form provided
FAQ
Is SSQ Assurance travel insurance available on an individual basis or only through a group plan?
SSQ Assurance travel insurance is primarily offered through group, employer, or association plans. Coverage can sometimes be continued as an individual conversion plan if your group coverage ends. You should verify your eligibility with your group administrator or insurer.
Does SSQ Assurance travel insurance cover emergency medical expenses abroad, including COVID-19?
Yes, emergency medical treatment is covered if you are travelling to a destination without a Level 4 government advisory. COVID-19 medical emergencies are included, but only if you have provincial or territorial health coverage and the travel advisory allows.
Are trip cancellation and interruption covered by SSQ Assurance policies?
These protections are included if your group plan selects them. Claims may be accepted if a government advisory changes before your trip or if you are medically unfit to travel, including for COVID-19, as long as you provide valid documentation.
Is baggage loss or delay included in the SSQ Assurance travel insurance?
No, baggage protection is not covered under SSQ Assurance travel insurance. If your baggage is lost or delayed, you will need to contact your airline directly. This is a notable exclusion compared to some other providers.
How do I submit a claim and what documents do I need?
You can submit claims through the Client Centre portal or by mail to SSQ Assurance. You will typically need a completed claim form, receipts, proof of payment, relevant medical reports, travel dates, and documentation about the incident. Always check your plan’s requirements.
How is the price of SSQ Assurance travel insurance determined?
Premiums are based on your group, employer, or association’s negotiated agreement with SSQ Assurance. There is no public price list, and premiums are not customized for individuals. Contact your plan administrator for specific rates in Canadian dollars.
Are high-risk activities or sports covered?
High-risk activities may be excluded and are subject to the details of your group or retiree contract. You must review your specific policy or contact the insurer to confirm whether your planned activities are eligible for coverage.
Is SSQ Assurance travel insurance available on an individual basis or only through a group plan?
SSQ Assurance travel insurance is primarily offered through group, employer, or association plans. Coverage can sometimes be continued as an individual conversion plan if your group coverage ends. You should verify your eligibility with your group administrator or insurer.
Does SSQ Assurance travel insurance cover emergency medical expenses abroad, including COVID-19?
Yes, emergency medical treatment is covered if you are travelling to a destination without a Level 4 government advisory. COVID-19 medical emergencies are included, but only if you have provincial or territorial health coverage and the travel advisory allows.
Are trip cancellation and interruption covered by SSQ Assurance policies?
These protections are included if your group plan selects them. Claims may be accepted if a government advisory changes before your trip or if you are medically unfit to travel, including for COVID-19, as long as you provide valid documentation.
Is baggage loss or delay included in the SSQ Assurance travel insurance?
No, baggage protection is not covered under SSQ Assurance travel insurance. If your baggage is lost or delayed, you will need to contact your airline directly. This is a notable exclusion compared to some other providers.
How do I submit a claim and what documents do I need?
You can submit claims through the Client Centre portal or by mail to SSQ Assurance. You will typically need a completed claim form, receipts, proof of payment, relevant medical reports, travel dates, and documentation about the incident. Always check your plan’s requirements.
How is the price of SSQ Assurance travel insurance determined?
Premiums are based on your group, employer, or association’s negotiated agreement with SSQ Assurance. There is no public price list, and premiums are not customized for individuals. Contact your plan administrator for specific rates in Canadian dollars.
Are high-risk activities or sports covered?
High-risk activities may be excluded and are subject to the details of your group or retiree contract. You must review your specific policy or contact the insurer to confirm whether your planned activities are eligible for coverage.
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