Do your lifestyle and the frequency of your trips outside Quebec mean that you require coverage several times over a period of 12 months? If you’re making multiple journeys of several hours or several days outside the province, annual multi-trip insurance is the perfect choice for you. It enables you to come and go as often as you like, as long as each trip does not exceed the maximum number of days you select for your plan (ranging from four to 180, depending on your preference).
Annual multi-trip insurance includes emergency medical expenses for accidents or unexpected illnesses during your trip. It’s essential for all Quebec-based travellers to have medical insurance the moment they leave their province of residence, since the RAMQ (Régie d’Assurance Maladie du Québec) reimburses only a very small portion of costs incurred elsewhere due to an accident or sudden illness.
It is also possible to obtain annual multi-trip coverage that includes trip cancellation and interruption insurance as well as baggage insurance. This is known as an annual all-inclusive insurance package.
Taking out annual coverage means you avoid having to buy an insurance policy for every trip—allowing you to leave whenever you feel like it! Obtain annual coverage that meets your needs wherever you go with the reliable, affordable protection offered by Eureka Travel Insurance.
What kind of emergency medical expenses may be covered by an annual travel insurance policy?Don’t worry, whenever you take a trip, you can extend your annual travel insurance based on your specific needs, if necessary.
Ideally, you should purchase extended coverage for the missing days before you leave on the trip. However, you can also submit an extension request after your departure, as long as it’s approved by the insurance company that issued your original contract.
An annual travel insurance contract does not cover a stay of 365 consecutive days outside Quebec; rather, it covers an unlimited number of trips, as long as each one does not exceed the selected maximum number of days.
Upon request, many insurance companies, recognizing the needs of frequent travellers, will offer a combination of an annual policy for emergency medical expenses and an extension covering a given number of days for a longer trip.
The advantage of a combination package is that it enables you to make an unlimited number of short trips outside Quebec after you return to the province from a long trip, as long as you meet the eligibility criteria set by the RAMQ (Régie de l’Assurance Maladie du Québec).
A Eureka Travel Insurance agent can advise you on the maximum number of days that you’re allowed to spend outside your province of residence.
Are you planning to take all your trips solely during the summer? Don’t worry—we offer a variety of policies for emergency medical expenses in order to provide you with coverage during the warm weather months and enable you to travel with peace of mind.
This is an ideal coverage option for those who enjoy taking motorcycling or hiking trips outside Quebec.
Keep proof of your departure and return dates!Did you know that in the event of a claim, the company that issued your travel insurance policy may require proof of the duration of your stay outside Quebec?
For example, if you opted for an annual multi-trip insurance policy covering trips of eight days or less and you leave for a voyage of 20 days, your entire coverage may be deemed invalid by certain insurers.
A key point to remember before every departure is that each insured person must still be eligible for coverage and in stable health whenever they leave for a trip. The length of time that an insured person’s health must remain stable for a pre-existing condition applies to each departure from Quebec.
Talk to a Eureka Travel Insurance agent to make sure you understand the implications of the maximum duration stipulated in the policy you select.
* Please consult your insurance policy, paying particular attention to the provisions regarding eligibility and pre-existing health issues as well as any other exclusions, restrictions and conditions that apply to your coverage. Certain exclusions and benefit reductions may apply, which vary from one insurance company to another.
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