Multi-Trip Coverage (Days per Trip)

Multi-trip coverage provides emergency medical protection for an unlimited number of trips within a 12-month period, each lasting up to a specified number of days. For example, a plan might cover unlimited trips of up to 30 days each.

This benefit is ideal for frequent travelers because it eliminates the need to buy single-trip insurance every time. If a trip exceeds the covered duration, you can often purchase a top-up to extend the coverage period.

Example:

If your multi-trip plan covers 15 days per trip and you travel for 20 days, you must buy a 5-day top-up to remain insured for the entire trip.

What to Watch For:

Ensure your trip length stays within the covered days. Exceeding the limit without a top-up may void emergency medical coverage entirely.

Related Terms

Major Restorative

Major restorative coverage includes complex dental procedures designed to restore the function and appearance of teeth. Examples include crowns, bridges, onlays, dentures, and sometimes implants. These treatments are more extensive and expensive than basic restorative services such as fillings.

Material Facts

Material facts are the pieces of information that are essential for an insurer to accurately assess risk and decide whether to approve an application, determine premiums, or apply exclusions. These facts include any details that could influence the insurer’s decision to issue coverage or the terms of that coverage. Examples include medical conditions, medications, family health history, lifestyle habits, and participation in hazardous activities.

Medical Condition

A medical condition refers to any illness, injury, disease, disorder, or ongoing health issue that affects a person’s physical or mental well-being. In the context of insurance, the term includes both acute and chronic conditions, whether diagnosed, treated, or undiagnosed at the time of application or claim. Examples include high blood pressure, diabetes, asthma, depression, or past surgeries.

Medical Emergency

A medical emergency is a sudden and unforeseen illness, injury, or medical condition that requires immediate medical attention to prevent serious harm, disability, or death. In the context of health and travel insurance, it refers to an unexpected situation where urgent care is needed while away from home or outside your province or territory of residence.

Medically Necessary

Medically necessary describes any service, treatment, or supply required to diagnose, treat, or manage a health condition, rather than for convenience, appearance, or personal preference. Insurers use this term to determine whether a claim qualifies for payment under your policy.

Have questions about your insurance coverage?

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