Emergency Medical Travel Insurance

Our Emergency Medical Policy will cover your expenses in the event that you need urgent medical attention during your trip overseas.

Emergency Medical Travel Insurance Features & Benefits

1Cover has more than 10 years experience of providing more than 1 million customers with travel insurance policies. Our Emergency Medical Single Trip Policy will cover your expenses in the event that you need urgent medical attention during your trip overseas, and also includes a 24-hour concierge service team to provide any help or assistance that you might require whilst you are away. 

We provide coverage for injuries, sickness or death incurred as a result of an unforeseeable medical emergency up to the amount of $2 million.

In the event of an emergency, we provide coverage for:

  • The cost of a local ground ambulance. 

  • Your care in or out of hospital. 

  • Rental or purchase of a hospital bed, medical appliances, tests, prescription medicine, and one follow-up visit. 

  • The cost of your return home in accordance with the advice from your treating physician. 

  • The return of your vehicle to your residence or rental agency. 

  • The cost of a fare for a companion to come to your bedside if you are hospitalized for three days or more. 

  • The cost of the fare to return any dependants to their destination point if you are hospitalized for more than 24 hours. 

  • Return to your trip destination if you have to return to your departure point for medical attention. 

  • Emergency professional services up to $300 per profession per insured. 

  • Additional hospital expenses up to $50 a day to a maximum of $500 if you are hospitalized for at least 48 hours. 

  • The cost of transporting your dog or cat to your departure point.


In the event that you need urgent medical attention, we kindly ask that you contact our medical department as soon as medically possible. Our emergency assistance coordinators, doctors and nurses are on hand to help you any time of day or night. Our team must approve and arrange all surgery and heart procedures in advance to avoid any extra, unnecessary expenses being incurred by you.


Our Emergency Medical Travel Insurance provides cover for emergency medical costs which you may be faced with if you have a medical emergency. Explore our Table Of Benefits to see all the cover provided.

Table Of Benefits


Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.


Policy Wording




FAQs About Emergency Medical Trip Cover

  • Am I Eligible? 
  • To be eligible for this plan, you must be a Canadian resident, and remain a Canadian resident for the duration of your policy, and be travelling for a maximum of 365 days. You must purchase the policy less than 365 days before you travel, or on the date of departure. 

  • What If I Am Over 60? 
  • If you are 60 or older, you will need to complete a medical questionnaire to determine the medical exclusion you qualify for and the amount of your premium. Please call 1-877-328-2530 to complete a quick medical questionnaire. 

  • Do I Need GHIP As Well As This Insurance Policy? 
  • Yes, you must have GHIP for the full duration of your trip. If you are travelling outside of your Home Province for more than 183 days (212 if you live in Ontario or Newfoundland), you must get written evidence of an extension from your GHIP. You will be insured for the portion of your expenses not covered by your GHIP or any other insurance plan. If you do not have GHIP for the full duration of your trip, your aggregate limit for all emergency medical benefits will be $20,000. 

  • Am I Covered For Dental Treatment During My Trip? 
  • Yes, you are covered for emergency dental treatment up to the amount of $1,000 for an accidental blow to the face or mouth, and up to $300 if you need emergency dental treatment for another reason. 

  • What Exclusions Should I Be Aware Of?
  • You will not be covered for any pre-existing medical conditions, unless you contact us first. You will not be covered for injuries sustained as a result of mountain climbing, a motorized race, operating an aircraft, or competing as a professional athlete in a sporting event. It's important that you read the full policy wording to understand what is, and is not, covered.


Further Reading 

The price of treatment for medical procedures in the US can be staggering. 

Avoid Medical Bills

Find out more about medical travel insurance

Medical Insurance

Find out more about what our travel insurance covers

What Is Covered

Learn more about our medical assistance services. 

Medical Assistance



Why Choose 1Cover Travel Insurance?

BagTrak Service

Lost luggage is an unfortunate reality of travelling. Don't spend your holiday on the phone with the airline, BagTrak services can help to locate and deliver lost or delayed luggage.



One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. We have a travel insurance policy to suit your needs.


Concierge Service

If you need help trying to find hard-to-get tickets to concerts or sporting events while travelling, our Concierge Service is available 24/7 to help you do all of these and more!


LiveTravel Team

If something goes wrong while you are travelling our LiveTravel™ team will assist you with most travel-related problems, such as re-booking flights, making last minute hotel reservations, land transportation, and more.

Coverage For The Family

Children under 21 are covered at no additional cost on our BorderHop™ and Medical plans. Up to 5 children are covered at no additional cost when travelling with two adults. Children must be related to, and accompanied by the policy holder or primary insured.

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.