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Kanetix Travel Checklist

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All-inclusive

All-inclusive

All inclusive policies include not only emergency medical but also non-medical coverage like trip cancellation, trip interruption, baggage loss or delay and more.


Annual

Annual

A multi-trip policy is a cost-effective option for frequent travellers. In your case specifically, you will save money if you travel more than once/twice/three times a year.


Auto-immune disorder

Auto-immune disorder: including, but not limited to Grave's disease, Lou Gehrig's disease, multiple sclerosis, myasthenia gravis, sarcoidosis, scleroderma, systematic lupus erythematosis.


Blood Disorder

Blood Disorders

This includes Hemophelia, Sickle Cell Anemia, Hempchromatosis or Leukemia, Anemia and/or Thrombocytophnia.



Do you have valid Canadian government health insurance?

To qualify for this kind of emergency travel health insurance policy you must already have valid government health coverage.

Your government coverage may apply to some kinds of foreign medical expenses. Insurance companies count on some basic expenses being covered when they calculate your insurance rate.


Do you, or any member of your family require coverage for a pre-existing medical condition?

Pre-Existing Medical Conditions

A pre-existing medical condition is an illness or injury that you know you already have (e.g. asthma, heart condition). Even if you are showing symptoms of an illness and have not yet seen a doctor, this is considered a "pre-existing" condition (e.g. you have felt chest pains but didn't seek any treatment).


Do you, or any member of your family require coverage for a pre-existing medical condition?

Pre-Existing Medical Conditions

A pre-existing medical condition is an illness or injury that you know you already have (e.g. asthma, heart condition). Even if you are showing symptoms of an illness and have not yet seen a doctor, this is considered a "pre-existing" condition (e.g. you have felt chest pains but didn't seek any treatment).


Does each family member travelling with you have Canadian government health insurance?

To qualify for this kind of emergency travel health insurance policy everyone listed on the policy must already have valid government health insurance.

Your government coverage may apply to some kinds of foreign medical expenses. Insurance companies count on some basic expenses being covered when they calculate your insurance rate.


Email address

Your Email Address

In addition to providing your travel insurance quotes immediately, we will also email you a link to your quotes. That way, if you are not ready to purchase a policy today, you can use the link to return to your quotes to make an online purchase at a later date or to obtain the phone number for an insurer.

We value your privacy. We will not trade or sell your name to third parties except when required to fulfill services you request. For details, Privacy link at the bottom of this page.



Excluded medications

When determining the total number of medications, do not include medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a minor ailment.

A minor ailment means a condition which did not require the use of medication for a period greater than 30 days, which did not require follow-up, or referral to a registered medical practitioner, or which did not require hospitalization or surgical intervention.


Excluded medications

When determining the total number of medications, do not include medication taken for thyroid, glaucoma, allergies, eczema, heartburn, menopause, migraines, sleeping disorders or a minor ailment.

A minor ailment means a condition which did not require the use of medication for a period greater than 30 days, which did not require follow-up, or referral to a registered medical practitioner, or which did not require hospitalization or surgical intervention.


Heart or Cardiovascular Conditions

Such as:

  • Aneurysm
  • Angioplasty / Stent(s)
  • Artery Blockage / Coronary Artery Disease not surgically treated
  • Cardiac and/or Vascular Surgery
  • By-Pass Sugery
  • Valve Disease/Valve Replacement/Aortic Stenosis
  • Cardiomyopathy
  • Arrhythmia, Heart Murmur, or Heart Rhythm Disorder
  • Blood Clots
  • Carotid Artery or Peripheral Vascular Disease
  • Chest Pain or Angina
  • Congenital Heart Defect
  • Congestive Heart Failure
  • Heart Attack
  • Implantable Cardioverter Defibrillator (ICD)
  • Pacemaker
  • Phlebitis
  • Pulmonary Edema or Thrombosis



Internal Organs

Such as:

  • Bladder Disease
  • Blood in Urine
  • Bowel Obstruction/Partial Obstruction or Intestinal Occlusion
  • Cirrhosis
  • Crohn's Disease
  • Cystic Fibrosis
  • Diverticulitis/Diverticulosis
  • Gall Stone / Biliary Calculus
  • Gastrointestinal Bleeding / Blood in Stools
  • Hepatitis A or B
  • Hepatitis C or D
  • Hiatus Hernia
  • Kidney Disease (Requiring Dialysis)
  • Kidney Failure
  • Major Organ Transplant
  • Pancreatitis
  • Peptic Ulcer or Ulcerative Colitis
  • Prostate Disease
  • Urinary Calculus / Kidney Stone
  • Other Urinary Disease
  • Other Kidney Disease or Other Prostate Disorder
  • Other Liver Disease



Kanetix Newsletters and Updates

We value your privacy. RATESDOTCA Group Ltd. will not trade or sell your name to third parties except when required to fulfill services you request. For details, see our privacy policy.


Lung or Respiratory Conditions

Such as:

  • Condition Requiring the Use of a Puffer
  • Asthma
  • Bronchitis
  • Chronic Bronchitis
  • Chronic Obstructive Pulmonary Disease (COPD)
  • Emphysema
  • Pneumonia or Pulmonary Embolism
  • Shortness of Breath



Minor Ailment

Minor Ailment

Any Sickness or Injury which does not require:
  1. the use of Medication for a period of greater than 15 days, or
  2. more than one follow-up visit to a Physician, or
  3. Hospitalization or surgical intervention or referral to a specialist, or
  4. Any surgery not requiring general anesthesia.
To be considered as a Minor ailment, the Sickness or Injury must end at least 30 consecutive days prior to the departure date of each trip. However, a chronic condition and a condition requiring on-going medical attention are not considered a Minor Ailment.



Neurological Disorder

Such as:

  • Alzheimer's, Dementia, or Memory Loss
  • Cerebral Palsy
  • Dizziness
  • Fainting or Falling
  • Epilepsy or Seizures
  • Fibromyalgia
  • Lou Gehrig's Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson's Disease
  • Transient Ischemic Attack (TIA)
  • Stroke / Mini-Stroke
  • or a Cerebrovascular Condition



Other Medical Conditions

Such as:

  • Blood Disorder (Hemophelia, Sickle Cell Anemia, Hempchromatosis or Leukemia, Anemia and/or Thrombocytophnia)
  • Diabetes
  • High Blood Pressure
  • High Cholesterol
  • Impaired Glucose Intolerance
  • Osteoporosis or Osteopenia
  • Arthritis



RATESDOTCA's policy renewal reminder service

We value your privacy. RATESDOTCA Group Ltd. will not trade or sell your name to third parties except when required to fulfill services you request. For details, see our privacy policy.


Single Trip

Single Trip
Single trip travel insurance offers emergency medical coverage for one trip up to 558 consecutive days. Depending on your age, you may need to fill out a medical questionnaire in order to be eligible for it.

Multi Trip
Also known as annual travel insurance, this insurance is the most effective option if you travel frequently or even more than once a year. This plan provides emergency medical coverage for any number of trips within one year, with each trip length having a maximum number of days.

All Inclusive
This type of insurance covers most of the unwelcome events that a traveller could face with the convenience of one purchase. All inclusive travel insurance is often a good value when compared to individual specialized policies, providing not only the basics like emergency medical, but also trip cancellation and trip interruption insurance, coverage for baggage loss or baggage delay, accidental death and dismemberment insurance and more, depending on the policy.

Trip Cancellation
Trip cancellation insurance covers up to the full cost of the flight or travel package you purchased if, for unforeseen circumstances, your trip is disrupted or you are unable to take your trip. If you wish to have emergency medical coverage, consider buying an all inclusive travel insurance.


What is the total cost of this trip?

Trip Cost ($CAD)

Trip cost includes the total non-refundable, pre-paid expenses already submitted towards the trip including transportation, accommodation, package tours, etc. This does not include estimated or anticipated costs that have not yet been paid, deposits (unless non-refundable), or trips purchased by the redemption of points or miles programs. If there is no trip cost or you do not require a trip cancellation or all inclusive plans, please enter 0.



What is the total cost of this trip?

Trip Cost ($CAD)

Trip cost includes the total non-refundable, pre-paid expenses already submitted towards the trip including transportation, accommodation, package tours, etc. This does not include estimated or anticipated costs that have not yet been paid, deposits (unless non-refundable), or trips purchased by the redemption of points or miles programs. If there is no trip cost or you do not require a trip cancellation or all inclusive plans, please enter 0.



What type of coverage do you need?

With the Kanetix Travel comparison service, you can get travel insurance quotes online for:
  1. A single trip, for yourself only. Selecting the option "Individual (Single Trip)" will provide you with a quote for coverage for a specified period of time, which you will indicate with your trip departure and return dates.
  2. A single trip, for you and your family members. Selecting the option "Family (Single Trip)" will provide you and your family with a quote for coverage for a specified period of time, which you will indicate with your trip departure and return dates.
  3. Multiple trips for yourself only. Selecting the option "Individual (Multi-trip)" will provide you with a quote for annual coverage. This type of coverage means that for one annual rate, you will have travel insurance coverage for every trip you take within the year after the policy is issued. The maximum duration for a trip varies, but there are several to choose from. Select the one that will best meet your travel insurance needs over the course of the year.
  4. Multiple trips for you and your family. Selecting the option "Family (Multi-trip)" will provide you and your family with a quote for annual coverage. This type of coverage means that for one annual rate, you and your family will have travel insurance coverage for every trip taken within the year after the policy is issued. The maximum duration for a trip varies, but there are several to choose from. Select the one that will best meet your travel insurance needs over the course of the year.

Note: Coverage under the family plan is available for a maximum of 2 adults (an adult plus that person's legal or common-law spouse if applicable) travelling with up to 3 unmarried dependent children. All the dependent children must be under the age of 21 (or 20 depending on the travel insurance provider) and living in the same home with the insured adult(s) to be eligible for coverage.

All family members to be covered under the family plan must be specifically named and identified on the application, which will then form part of the policy.

If there are travellers in your group who are not eligible for coverage under the family plan, you can:

- Obtain a seperate online quote by choosing the Individual option in the Type of Coverage section.

If you wish to speak with a travel insurance specialist directly, please visit https://quote.rates.ca/travel-insurance-providers for a list of our travel insurance providers.


Where are you travelling to?

Are you looking for a multi-trip policy or going on a cruise?

If you are visiting more than one country, select the country you will be visiting the longest.

If you are spending equal time in several countries (e.g. on a cruise) just select one of them.

If you will be in the USA for six or more days, select the USA as your trip destination.



Where are you travelling to?

Are you looking for a multi-trip policy or going on a cruise?

If you are visiting more than one country, select the country you will be visiting the longest.

If you are spending equal time in several countries (e.g. on a cruise) just select one of them.

If you will be in the USA for six or more days, select the USA as your trip destination.



Where do you live?

Automobile insurance rates are generally higher in metropolitan areas. That's because there are a higher number of accidents, theft and vandalism claims than in rural areas.


Will you be in the US for more than 5 days?

Please indicate if your stop-over in the United States will be longer than 5 days.


Will you have a stop-over in the US?

Stop-Overs in the US

Please indicate if you'll be stopping in the United States at any time over the course of your trip. If you will be stopping in the US for a certain period of time, additional coverage may need to be added to your travel insurance plan to make sure you have sufficient coverage.


Will you have a stop-over in the US?

Stop-Overs in the US

Please indicate if you'll be stopping in the United States at any time over the course of your trip. If you will be stopping in the US for a certain period of time, additional coverage may need to be added to your travel insurance plan to make sure you have sufficient coverage.