Tour+Med Travel Insurance Review 2024

Travel insurance, while not mandatory for all destinations, is nonetheless very important. It protects you against various risks that may occur during a trip (cancellation, lost luggage, theft, accident, illness, etc.) and their financial consequences. Tour+Med offers travel insurance solutions specifically designed for these situations.

So, how good is Tour+Med travel insurance? What coverage options are available? Will you be covered for COVID-related incidents? What will your Tour+Med travel insurance premium be? What are its pros and cons? We cover everything you need to know in this complete review.

Our 2024 review of Tour+Med travel insurance

Tour+Med offers a variety of travel insurance plans, including single-trip, multi-trip, and family coverage options. The travel health insurance coverage provided by Tour+Med is particularly strong, with up to $5,000,000 in emergency medical coverage which is comparable to popular providers like CAA travel insurance and Blue Cross. This includes hospitalization costs, diagnostic services, and repatriation if necessary.

Tour+Med stands out for its convenient online insurance submission and claims process, making administrative tasks easier for policyholders. Additionally, a 24/7 global emergency assistance service is available.

Another notable benefit is the 5% discount for travellers who book as a pair, which can lead to significant savings. Eligibility requirements vary based on age and the chosen plan, and a medical questionnaire is required for those aged 60 and over who are travelling for more than 15 days or on an annual multi-trip plan.

Pros and cons of Tour+Med travel insurance

Overall, Tour+Med travel insurance is a good option, but make sure to compare it with other options to get the best deal. Use our free tool below to compare travel insurance quotes from Canada's best providers.

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What does Tour+Med travel insurance cover?

Tour+Med offers several insurance plans:

• Single-trip or annual travel insurance,
• For individuals travelling alone or for families,
• With several optional coverages available.

Here are the 5 main Tour+Med travel insurance plans:

Tour+Med Travel Insurance Plans	Details of the Travel Insurance Plans
Individual Medical Insurance Per Trip Plan	Available for individuals over 3 months old Coverage up to $5,000,000 for emergency medical situations No waiting period; coverage active from the start of the trip Recommended for occasional travellers, whether alone, as a couple, or as a family Cannot cover trips longer than 183 or 212 days (varies by province)
Individual Annual Multi-Trip Medical Insurance Plan	Covers all your trips of 8, 15, or 30 days or less within a year (8- and 15-day plans available up to age 85; 30-day plan available up to age 80) Available for individuals aged 3 months to 85 years Coverage up to $5,000,000 for emergency medical situations Unlimited trip duration if travelling within Canada (coverage up to $5,000,000 also applies) Coverage begins on the first day of travel and lasts 365 days Option for additional coverage if the trip continues Recommended for frequent travellers, whether alone, as a couple, or as a family
Family Medical Insurance Per Trip or Annual Multi-Trip	Covers up to 2 adults and 4 children Coverage up to $5,000,000 for emergency medical situations Available as per-trip coverage (less than 183 or 212 days, depending on the plan) or as an annual multi-trip plan (8, 15, or 30 days) Recommended for families
Optional Protections	Available to travellers under 85 years old Covers one trip at a time Up to $15,000 for trip cancellation or interruption insurance Up to $1,500 coverage for baggage insurance Up to $100,000 in case of accidental death or dismemberment

What does Tour+Med travel insurance cost?

The cost for Tour+Med travel insurance in 2024 varies depending on several factors, including:

1. Your age: Tour+Med is known for competitive rates, especially for older travellers.
2. The type of coverage you choose: They offer different plans with varying levels of coverage (e.g., trip cancellation, medical emergencies, baggage loss).
3. The length of your trip: Prices typically increase for longer trips.
4. Your destination: Travel insurance can be more expensive for certain destinations with higher medical costs.

Use our comparator to get personalized travel insurance quotes from leading Canadian providers to see how Tour+Med compares to them.

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Does Tour+Med offer group travel insurance?

Yes, Tour+Med offers group travel insurance plans through third-party insurers.

Employers looking to provide group travel insurance for employees already covered by an extended health care plan can opt for COLLECT and COLLECT Total protections, facilitated through Third Party Administrators (TPAs).

• COLLECT group travel insurance provides dependable coverage (up to $5,000,000) for medical emergencies occurring outside the insured's province of residence. It includes access to 24/7 private emergency assistance services worldwide.
• The COLLECT Total version includes all the benefits of our standard plan, with added coverage for trip cancellation or interruption, as well as protection for baggage and personal effects.

How to file a travel insurance claim with Tour+Med?

There is a straightforward process for filing a claim for Tour+Med travel insurance.

Here’s what you should do:

1. Contact Tour+Med using this number: 1-800-268-9633 (Monday to Friday, 8:30 AM to 7:30 PM ET).
2. Alternatively, you can visit the Tour+Med’s website and submit your claim online:

• At the top of the page, click on the Claims menu.
• Choose Individual Client or Group Client.
• Select Medical Claim or Non-Medical Claim.
• Follow the instructions provided by Tour+Med.

For your claim, whether you have incurred expenses or not, you will need to fill out two documents:

• A Claim Form.
• The form from your provincial health insurance plan.

Forms are to be completed according to your province of residence:

• New Brunswick
• Quebec
• Ontario
• Manitoba
• Alberta
• British Columbia

For other provinces and territories, you don’t need a specific form — fill out the Claim Form only.

How to contact Tour+Med?

Here are some ways to contact Tour+Med travel insurance:

Method of Contact	Contact Information
In Person	Visit the local Tour+Med branch
Postal Mail	Tour+Med Head Office247, boulevard ThibeauTrois-Rivières, QuébecG8T 6X9
Phone	General Inquiries: 1-800-268-9633(Monday to Friday, 8:30 AM to 6:30 PM ET) Emergency Medical Assistance (24/7):USA and Canada: 1-844-820-6588Elsewhere: 1-888-820-6588
Fax	819-377-3587
Email	[email protected]