{"id":544,"date":"2022-07-20T08:24:52","date_gmt":"2022-07-20T08:24:52","guid":{"rendered":"\/\/www.travellersinsurance.ca\/manulife-travel-insurance-copy\/"},"modified":"2025-03-10T19:26:48","modified_gmt":"2025-03-10T19:26:48","slug":"gms-travel-insurance","status":"publish","type":"page","link":"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/","title":{"rendered":"GMS Travel Insurance"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-544\" data-postid=\"544\" class=\"themify_builder_content themify_builder_content-544 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_626r394 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_g0de395 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_jbj5395 image-center   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" src=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-339x135.png\" width=\"339\" height=\"135\" class=\"wp-post-image wp-image-1956\" title=\"GMS-2-removebg-preview\" alt=\"GMS-2-removebg-preview\" srcset=\"https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-339x135.png 339w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-300x120.png 300w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-200x80.png 200w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview.png 500w\" sizes=\"auto, (max-width: 339px) 100vw, 339px\" \/>    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image --><!-- module text -->\n<div  class=\"module module-text tb_semr617   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Travel Insurance<\/h1>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-sticky-active=\"{&quot;d&quot;:[]}\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_5eyf101 tf_w\">\n                        <div class=\"row_inner col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_7l6n101 first\">\n                    <!-- module menu -->\n<div  class=\"module module-menu tb_fgb3101  mobile-menu-slide\" data-menu-style=\"mobile-menu-slide\" data-menu-breakpoint=\"0\" data-element-id=\"tb_fgb3101\" data-lazy=\"1\">\n        \n    <div class=\"module-menu-container\"><ul id=\"menu-travel-insurance-menu\" class=\"ui tf_clearfix nav tf_rel tf_scrollbar  transparent\"><li id=\"menu-item-2005\" class=\"menu-item-custom-2005 menu-item menu-item-type-custom menu-item-object-custom menu-item-2005\"><a href=\"#benefits\">Benefits<\/a><\/li>\n<li id=\"menu-item-2006\" class=\"menu-item-custom-2006 menu-item menu-item-type-custom menu-item-object-custom menu-item-2006\"><a href=\"#eligibility\">Eligibility<\/a><\/li>\n<li id=\"menu-item-2007\" class=\"menu-item-custom-2007 menu-item menu-item-type-custom menu-item-object-custom menu-item-2007\"><a href=\"#extensions\">Extensions<\/a><\/li>\n<li id=\"menu-item-2008\" class=\"menu-item-custom-2008 menu-item menu-item-type-custom menu-item-object-custom menu-item-2008\"><a href=\"#refunds\">Refunds<\/a><\/li>\n<li id=\"menu-item-2009\" class=\"menu-item-custom-2009 menu-item menu-item-type-custom menu-item-object-custom menu-item-2009\"><a href=\"#claims\">Claims<\/a><\/li>\n<li id=\"menu-item-2010\" class=\"menu-item-custom-2010 menu-item menu-item-type-custom menu-item-object-custom menu-item-2010\"><a href=\"#exclusions\">Exclusions<\/a><\/li>\n<li id=\"menu-item-2011\" class=\"menu-item-custom-2011 menu-item menu-item-type-custom menu-item-object-custom menu-item-2011\"><a href=\"#downloads\">Downloads<\/a><\/li>\n<\/ul><\/div>        <style>\n            .mobile-menu-module[data-module=\"tb_fgb3101\"]{\n                right:-300px            }\n        <\/style>\n    <\/div>\n<!-- \/module menu -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_9yj8246 last\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_5drp246 buttons-vertical outline  large\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/\/my.gms.ca\/buyflow\/travel\/step1?brokerid=402030\" class=\"ui builder_button tf_in_flx tb_default_color\" target=\"_blank\" rel=\"noopener\">\n                                                BUY ONLINE                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_qvz3420 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_3 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_40t7842 first\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_a2mv450 no-chart layout-icon-top size-custom  wow\" data-tf-animation=\"fadeIn\" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-top\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\" style=\"width:120px;height:120px;background-color:#f5f5f5\">\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                                            <em class=\"module-feature-icon tf_rel\" style=\"color:#c40021\"><svg  class=\"tf_fa tf-fas-user-cog\" aria-hidden=\"true\"><use href=\"#tf-fas-user-cog\"><\/use><\/svg><\/em>\n                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            Administrated by:                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>GMS Insurance Inc.<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_mnin213\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_iggi100 no-chart layout-icon-top size-custom  wow\" data-tf-animation=\"fadeIn\" data-tf-animation_delay=\"0.2\" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-top\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\" style=\"width:120px;height:120px;background-color:#f5f5f5\">\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                                            <em class=\"module-feature-icon tf_rel\" style=\"color:#c40021\"><svg  class=\"tf_fa tf-fas-file-signature\" aria-hidden=\"true\"><use href=\"#tf-fas-file-signature\"><\/use><\/svg><\/em>\n                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            Underwritten by:                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>GMS Insurance Inc.<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_o40e816 last\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_oxmg542 no-chart layout-icon-top size-custom  wow\" data-tf-animation=\"fadeIn\" data-tf-animation_delay=\"0.4\" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-top\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\" style=\"width:120px;height:120px;background-color:#f5f5f5\">\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                                            <em class=\"module-feature-icon tf_rel\" style=\"color:#c40021\"><svg  class=\"tf_fa tf-fas-headset\" aria-hidden=\"true\"><use href=\"#tf-fas-headset\"><\/use><\/svg><\/em>\n                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            24 hours Emergency Assistance Center:                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>World Travel Protection (WTP)<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_gqzt220 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ho2z221 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_5yxp221   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><strong>Note:<\/strong>\u00a0This plan is not available for travellers from\u00a0<strong>Quebec, New Brunswick and Nunavut.<\/strong><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"benefits\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-benefits tb_qe2a402 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_s08e332 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_slwq552 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_m1h3200 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_5lx1570   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>BENEFITS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_xsqy882 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_hk69200 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_e8lt044   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\"><strong>&#8211; Emergency Medical Expenses:<\/strong>\u00a0maximum benefit: $5,000,000\u00a0<br><strong>\u00a0&#8211; Hospital Room:<\/strong>\u00a0ward or semi-private.<br><strong>\u00a0&#8211; Physician Services<br><\/strong><strong>\u00a0&#8211; Diagnostic Services:\u00a0<\/strong>basic diagnostic tests ordered by a physician (advanced diagnostics require pre-approval) *<br><strong>\u00a0&#8211; Prescription drugs<\/strong>\u00a0or medicines &#8211; 30-day supply per prescription<br>\u00a0&#8211;\u00a0<strong>Medical Appliances &#8211;\u00a0<\/strong>rental of essential medical appliances (wheelchair, crutches, canes etc.) when needed. *<br><strong>\u00a0&#8211; Accidental Dental:<\/strong>\u00a0Up to<strong>\u00a0<\/strong>$2,000\u00a0for repair or replacement of natural teeth or permanently attached artificial teeth, damaged by an accidental blow to the mouth.<br><strong>\u00a0&#8211; Dental Emergencies:<\/strong>\u00a0Up to\u00a0$250<strong>\u00a0<\/strong>for treatment or relief of acute dental pain.<br><strong>\u00a0&#8211; Private Duty Nursing\u00a0<\/strong>\u2013 up to $5,000. *<br><strong>\u00a0&#8211; Professional Medical Services<\/strong>\u00a0\u2013 care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, or podiatrist, up to\u00a0$300\u00a0per specialty.<br>\u00a0<strong>&#8211; Ambulance Transportation:<\/strong>\u00a0Licensed local road ambulance, when necessary, to the nearest hospital.\u00a0<br><strong>\u00a0&#8211; Air Ambulance &amp; Remote Evacuation\u00a0<\/strong>\u2013 up to $20,000 for the use of a helicopter air ambulance in a medical emergency involving life threatening circumstances where you require immediate transport to the nearest hospital.<br><strong>\u00a0&#8211; Repatriation\u00a0<\/strong>\u2013 expenses to transport you by air ambulance (excluding helicopters) and Attendant (if necessary) or regularly scheduled common carrier back to your province of residence for further in-hospital medical treatment. *<br>\u00a0&#8211;\u00a0<strong>Return of Family Member\u00a0&#8211;\u00a0<\/strong>up to\u00a0$1,000 for one-way air transportation to return of one covered family member and\/or insured dependent (including escort when required), if you are\u00a0repatriated\u00a0to your province of residence for further in-hospital medical treatment or in the event of\u00a0your\u00a0death. *<br>\u00a0&#8211;\u00a0<strong>Family\/Friend to Bedside\u00a0<\/strong>up to $3,000 to bring family member or a close friend, and reimbursement of up to $150 per day to a maximum of $750 for reasonable expenses incurred by the transported person, once they arrive if you have been hospitalized for more than 3 consecutive nights. *<strong>\u00a0<br><\/strong><strong>\u00a0&#8211; Return of Remains\u00a0<\/strong>In the event of death from covered condition, up to $7,000\u00a0for the preparation and transport of your remains, or up to $3,000\u00a0for cremation or burial at the place of death. (This\u00a0benefit does not cover the cost of a burial casket or urn). *<br><strong>\u00a0&#8211; Return of Vehicle\u00a0<\/strong>\u2013 up to $2,000, for returning your vehicle, to your province of residence if you have been transferred to Canada due to covered illness or injury.<br>\u00a0&#8211;\u00a0<strong>Return of Cat or Dog\u00a0<\/strong>\u2013 Reimbursement up to $300 to return\u00a0your\u00a0cat or dog to\u00a0your\u00a0province of residence if you have been transferred to Canada due to covered illness or injury.<br><strong>\u00a0&#8211; Child Care &#8211;\u00a0<\/strong>up to $500 for licensed care of dependent, should you be hospitalized due to a medical Emergency. *<br><strong>\u00a0&#8211; Out of pocket expenses \u2013\u00a0<\/strong>expenses up to a maximum of $1,000 incurred by insured travelling companion\u00a0in the event you are in hospital receiving care on your return date. This benefit includes\u00a0coverage for up to $150\/day for accommodations, which shall form part of the $1,000 limit.\u00a0*<\/p>\n<p style=\"font-weight: 400;\">* Some of the benefits must be pre-approved and arranged by GMS. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.<strong>\u00a0<\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>OTHER PLANS (additional rates apply)<br><\/strong><strong>&#8211; Baggage Loss, Damage &amp; Delay \u2013\u00a0<\/strong>up to $1,500 per person<br><strong>&#8211; Trip Cancellation &amp; Interruption \u2013\u00a0<\/strong>before departure: up to $20,000 and after departure: $10,000<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_pity101 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_7uj1833 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_u7oc084 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_s2o9500 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_ejmq720   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>ELIGIBILITY:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_j3eq845 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_c1m5409 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_2kxz080   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\"><strong>You\u00a0<\/strong><strong>must purchase the plan prior to\u00a0<\/strong><strong>your departure date\u00a0<\/strong><strong>from\u00a0<\/strong><strong>your\u00a0<\/strong><strong>province of residence.<br><\/strong><strong>You\u00a0<\/strong><strong>must have valid provincial health coverage\u00a0for the entire duration of\u00a0your\u00a0trip.<br><\/strong>You are NOT eligible for coverage if you:<br>1. are awaiting tests or medical treatment for a heart condition;<br>2. have a surgically untreated vascular aneurysm;<br>3. have been diagnosed with Congestive Heart Failure (CHF);<br>4. have an Implantable Cardioverter Defibrillator (ICD);<br>5. were diagnosed; received new medical treatment (e.g. consultation, tests or prescription drugs); or had a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug, other than a dosage change of Coumadin or Warfarin) for, any of the following heart or vascular conditions in the last twelve (12) months:<br>a. heart transplant;<br>b. atrial flutter;<br>c. atrial\/ventricular fibrillation;<br>d. peripheral vascular disease;<br>e. stroke\/TIA; or<br>f. blood clots;<br>6. have diabetes that is treated with insulin AND take prescription medication for a heart condition (excluding medication to treat high cholesterol or high blood pressure);<br>7. use home oxygen or take an oral steroid to treat a lung condition;<br>8. are currently being treated for cancer, excluding breast or prostate cancer treated exclusively with hormone therapy;<br>9. were diagnosed; received a new medical treatment (e.g. consultation, tests or prescription drugs); or had a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug) for, any of the following conditions in the last twelve (12) months:<br>a. liver failure;<br>b. GI bleed;<br>c. AIDS; or<br>d. terminal illness;<br>10. have had any of the following procedures in the last twelve (12) months:<br>a. valve surgery or replacement;<br>b. kidney dialysis;<br>c. organ, stem cell or bone marrow transplant;<br>11. require assistance from another person(s) with activities of daily living (ADL) if you are seventy (70) years of age or older;<br>12. are not a Canadian resident; and<br>13. have not purchased prior to departing on your trip, unless purchased as a top-up to an existing GMS policy.<\/p>\n<p style=\"font-weight: 400;\"><strong>PRE-EXISTING CONDITIONS:<br><\/strong>No coverage or reimbursement for expenses resulting from medical condition(s) which have not been stable for\u00a0<span style=\"text-decoration: underline;\">one hundred and eighty (180) days\u00a0<\/span>immediately prior to your departure date, including:<br>a. medical condition(s) for which you received medical treatment or medical consultation; and\/or<br>b. undiagnosed medical condition(s) related to symptoms for which you received medical treatment or medical consultation.<br>You must be stable based on the definition of<strong>\u00a0Stable<\/strong>\u00a0in the insurance policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition.<strong><br><\/strong><\/p>\n<p style=\"font-weight: 400;\"><strong>Stable<\/strong>:\u00a0a medical condition is considered stable and controlled, only when all of the following statements are true.<br>1. there has not been any new medical treatment prescribed or recommended, or change(s) to existing medical treatment or stopped medical treatment; and<br>2. there has not been any change to any existing prescribed drug (including an increase, decrease, or stopping to prescribed dosage), except:<br>a. a dosage adjustment for anti-hypertensive or cholesterol lowering medication;<br>b. a change from brand name medication to generic medication and vice versa of the same dosage;<br>c. Coumadin\/Warfarin prescribed as an anticoagulation therapy adjusted to ensure your INR is maintained within therapeutic range as directed by your physician(s) provided there has been no other change in your condition; and<br>d. insulin or oral anti-diabetic medication where blood levels are tested on a regular basis and adjustments to the dosage are made to ensure your blood glucose level is maintained within therapeutic range as directed by your physician(s) provided there has been no other change in your condition; and<br>3. the medical condition has not become worse; and<br>4. there have not been any new, more frequent or more severe symptoms; and<br>5. there has been no hospitalization or referral to a specialist; and<br>6. there has been no tests, investigation or medical treatment recommended, but not yet complete, nor any outstanding test results.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"extensions\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-extensions tb_txl5151 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_ljo0151 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_vqdq152 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_bvvv152 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_d4ap718   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>EXTENSIONS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_pu34384 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6cir384 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_sii5384   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><span lang=\"EN-US\">Your\u00a0<\/span><span lang=\"EN-US\">Single-Trip plan may be extended by purchasing additional days while outside\u00a0<\/span><span lang=\"EN-US\">your province of residence\u00a0<\/span><span lang=\"EN-US\">if\u00a0<\/span><span lang=\"EN-US\">you<\/span><span lang=\"EN-US\">:<br><\/span><span lang=\"EN-US\">1. notify\u00a0<\/span><span lang=\"EN-US\">GMS\u00a0<\/span><span lang=\"EN-US\">two (2) business days prior to the\u00a0<\/span><span lang=\"EN-US\">expiry date\u00a0<\/span><span lang=\"EN-US\">of\u00a0<\/span><span lang=\"EN-US\">your\u00a0<\/span><span lang=\"EN-US\">policy; and<br><\/span><span lang=\"EN-US\">2. have not incurred a claim, required\u00a0<\/span><span lang=\"EN-US\">medical treatment\u00a0<\/span><span lang=\"EN-US\">or\u00a0<\/span><span lang=\"EN-US\">medical consultation\u00a0<\/span><span lang=\"EN-US\">during\u00a0<\/span><span lang=\"EN-US\">your trip.<\/span><\/p>\n<p><strong>AUTOMATIC COVERAGE EXTENSIONS<\/strong><br>Your Single-Trip Plan will automatically be extended up to 72 hours if\u00a0the return to your province\/territory of residence is delayed beyond the\u00a0expiry date of the policy due to any of the following:<br>1.\u00a0You are delayed due to your or your travelling companion\u2019s medical\u00a0emergency. Written confirmation from the attending physician\u00a0is required to verify that you or your travelling companion are\u00a0medically unfit to travel. The 72 hour extension will begin once\u00a0you have been deemed medically fit to travel or are discharged\u00a0from the hospital. In-hospital care during the medical emergency\u00a0continues to be covered by your policy until discharged from the\u00a0hospital; and<br>2.\u00a0A delay of a common carrier you are travelling on causes you to miss\u00a0your return date to your province\/territory of residence.<br>3.\u00a0The vehicle you are travelling in:<br>\u00a0 \u00a0 \u00a0 \u00a0 a.\u00a0is involved in an accident;<br>\u00a0 \u00a0 \u00a0 \u00a0 b.\u00a0has a mechanical breakdown; or<br>\u00a0 \u00a0 \u00a0 \u00a0 c.\u00a0is delayed by a police-directed road closure.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"refunds\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-refunds tb_3rb9462 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_6mfe462 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_lzwt462 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_v1lx462 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_9yu2716   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>REFUNDS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_2naq022 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_aquk208 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_7aws894   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>1. Prior to your effective date you are eligible for a full refund.<br>2. After your effective date, a partial refund is available for unused days upon return to your province of residence except if:<br>a. the insured person requesting the refund has incurred a claim under the policy; or<br>b. if a family rate was applied, any person covered under the plan has incurred a claim.<br>Written notice with supporting documentation is required within 30 days of your early return to your province of residence.<br>Once you have received a refund, you will no longer be eligible for reimbursement of expenses for any medical emergency.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"claims\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-claims tb_5t2p534 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_js19535 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_h8cx535 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_jmzp535 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_q07g713   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>CLAIMS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_oltf264 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_b17q264 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_02rv264   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><span style=\"color: #c40021;\"><span lang=\"EN-US\">You must contact\u00a0<\/span>GMS Travel Assistance\u00a0where possible before you seek medical treatment<span lang=\"EN-US\">. Failure to contact GMS within twenty-four (24) hours of receiving medical treatment or admission to hospital may limit benefits, otherwise payable to you, to<\/span><span lang=\"EN-US\">\u00a0<\/span><span lang=\"EN-US\">the lesser of 70% of reasonable and customary expenses or $50,000. Emergency phone numbers: Toll free within Canada and the USA:\u00a0<strong>1-800-459-6604<\/strong>\u00a0and Collect call from all other locations:\u00a0<strong>905-726-5196.\u00a0<\/strong><\/span><\/span><\/p>\n<p><strong>Claims Instructions:<\/strong><br>1. Complete a claim form and attach all original itemized medical bills and prescription receipts.<br>2. Sign and date completed form and return package to:<br>Allianz Global Assistance Claims Department<br>P.O. Box 277, Waterloo, ON, N2J 4A4<br>For online Claims Submission visit\u00a0<a title=\"\" href=\"\/\/www.gms.ca\/emergency-medical-claims\" target=\"_blank\" rel=\"noopener\">www.gms.ca\/emergency-medical-claims<\/a><span lang=\"EN-US\"><a title=\"GMS Travel Claims\" href=\"\/\/www.gms.ca\/emergency-medical-claims\"><br><\/a>In the event of a claim, a claim form must be submitted to GMS within ninety (90) days of the illness or injury.<br>Please keep a copy of all the submitted correspondence for your records.<\/span><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"exclusions\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-exclusions tb_izz3044 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_pioo004 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_3i5q448 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_ych2244 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_a153711   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>EXCLUSIONS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_kqmq657 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ux2y658 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_6jht658   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><br>1. Pre-existing Medical Conditions &#8211; No coverage or reimbursement for expenses resulting from medical conditions which have not been stable for one hundred and eighty (180) days immediately prior to your departure date, including:<br>a. medical conditions for which you received medical treatment or medical consultation; and\/or<br>b. undiagnosed medical conditions related to symptoms for which you received medical treatment or medical consultation. You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical conditions.<br>2. Pre-existing Medical Conditions When Topping Up Other Insurer\u2019s Plans &#8211; No coverage or reimbursement for expenses where this policy is being used as a top-up for another insurer\u2019s emergency medical insurance, unless the medical conditions have been stable for one hundred eighty (180) days prior to the effective date of the top-up.<br>3. Pre-existing Medical Conditions When Topping Up a GMS Plan &#8211; No coverage or reimbursement for expenses where this policy is being used as a top-up to existing GMS emergency medical coverage, unless medical conditions are stable as defined by the stability period specified within the GMS policy this policy is topping-up.<br>4. Recurrence of a Medical Condition &#8211; No coverage or reimbursement for the continued medical treatment of a medical condition or related condition, following emergency medical treatment during your trip, if GMS determines that your emergency has ended.<br>5. Non-Emergency Treatment &#8211; No coverage or reimbursement for non-emergency, experimental or elective medical treatment (e.g. cosmetic surgery, chronic care, rehabilitation) including any expenses for related complications.<br>6. Travel for Diagnosis or Treatment &#8211; No coverage or reimbursement for any claim if the purpose of your trip is to obtain or receive a diagnosis, medical treatment, surgery, investigation, palliative care or therapy.<br>7. Travel When Treatment Expected &#8211; No coverage or reimbursement if it was reasonable, prior to your departure date, to expect medical treatment or hospitalization during your trip, including any symptoms evident that it would be reasonable to expect you to investigate prior to your departure date.<br>8. Delayable Treatment &#8211; No coverage or reimbursement for expenses for medical treatment that can be reasonably delayed until you return to your province of residence.<br>9. Transplants &#8211; No coverage or reimbursement for transplants, including but not limited to organ transplants, or bone marrow or stem cell transplants which may be required as part of your medical treatment provided at your trip destination.<br>10. Refusal of Transfer &#8211; If GMS medical advisors determine that you should transfer to another facility for emergency medical treatment or return to your province of residence, and you choose not to, benefits will not be paid for further medical treatment and the policy will be null and void.<br>11. Refusal to Follow Medical Advice &#8211; No coverage or reimbursement for expenses that result from you not following medical treatment as prescribed to you, including prescribed medication.<br>12. Non-Adherence &#8211; No coverage or reimbursement for expenses that result from your failure, prior to departure, to:<br>a. adhere to medical treatment;<br>b. obtain investigative or diagnostic tests recommended by a medical professional; and\/or<br>c. receive results from investigative or diagnostic tests.<br>13. Acting Against Physician\u2019s Advice &#8211; No coverage or reimbursement for expenses incurred after your physician advised you not to travel.<br>14. Maintaining Valid Government Health Insurance \u2013 No coverage or reimbursement for any expense that would have been covered under your government health plan, if you fail to maintain valid coverage within your province of residence for the entire duration of your trip. It is your responsibility to check that you have this coverage.<br>15.\u00a0<strong>Pregnancy Related Matters &#8211; No coverage or reimbursement for expenses related to routine pre-natal or post-natal care and pregnancy, delivery or complications of either the pregnancy or delivery, which occur nine (9) weeks before the expected date of delivery or anytime after.<br><\/strong>16.\u00a0<strong>Child Born During Trip &#8211; No coverage or reimbursement for expenses related to your child born during the trip.<br><\/strong>17. Cardiac Procedures and Devices &#8211; No coverage or reimbursement for expenses for cardiac catheterization, angioplasty or cardiovascular surgery or insertion of an implantable cardioverter defibrillator (ICD) or pacemaker including all associated diagnostic expenses, unless necessary in a medical emergency. Pre-approval by GMS required.<br>18.\u00a0<strong>Risky Activities &#8211;<\/strong>\u00a0No coverage or reimbursement for expenses resulting from your participation in:<br>a.\u00a0<strong>professional sport;<br><\/strong>b.\u00a0<strong>speed contests or racing of motorized land, water or air vehicle(s); or<br><\/strong>c.\u00a0<strong>any extreme sport or activity involving a high level of risk, including but not limited to: scuba diving (except when you are NAUI, PADI, ACUC or SSI certified); bungee jumping; parachuting; mountaineering; skydiving; hang gliding; acrobatic or stunt flying; or participating in a rodeo or horse race as a jockey.<br><\/strong>19. Non-Common Carrier Air Travel &#8211; No coverage or reimbursement for expenses resulting from air travel unless riding as a passenger on a common carrier.<br>20. Common Carrier Air Travel &#8211; No coverage or reimbursement for expenses resulting from air travel unless riding as a passenger on a common carrier.<br>21. Work &#8211; No coverage or reimbursement for expenses for work related accidents.<br>22. Risky Work or Volunteer Activities &#8211; No coverage or reimbursement for expenses resulting from your service in the armed forces, willful exposure to peril, work within a hazardous occupation, or mission and\/or relief work.<br>23. Result of Conflict &#8211; No coverage or reimbursement for expenses resulting from war, terrorism or acts of foreign rebellion.<br>24. Travel Advisory &#8211; No coverage or reimbursement for expenses that occur where, before your departure date, an official travel advisory is issued by the Canadian Government stating &#8220;Avoid non-essential travel&#8221; or &#8220;Avoid all travel&#8221; for the country, region, city, or other destination (including cruise ships) that are part of your travel arrangements.<br>To view travel advisories, visit the Government of Canada Travel site: <a href=\"\/\/travel.gc.ca\/travelling\/advisories\" target=\"_blank\" rel=\"noopener\">\/\/travel.gc.ca\/travelling\/advisories<\/a>.<br>25. Criminal or Illegal Activity &#8211; No coverage or reimbursement for expenses that result from or are related to your involvement in the commission, or attempted commission, of a criminal offence or illegal act.<br>26. Drugs &amp; Alcohol &#8211; No coverage or reimbursement for:<br>a. expenses for any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your use of alcohol, drugs or other intoxicants (including cannabis) whether prior to or during your trip; and<br>b. out-of-pocket expenses arising from or in any way related to alcohol, drugs, or other intoxicants (including cannabis).<br>27. Misuse of Medication &#8211; No coverage or reimbursement for expenses resulting from the misuse of a medication, whether prescribed or not.<br>28. Motor Vehicle Accident &#8211; No coverage or reimbursement for expenses resulting from a motor vehicle accident, unless not covered by any other policy.<br>29. Failure to Obtain GMS Pre-Approval &#8211; No coverage or reimbursement for expenses where pre approval by GMS is required and not obtained.<br>30. Unapproved Treatment &#8211; No coverage or reimbursement for expenses for medical treatment or services that contravene or are prohibited by the provincial laws of your province of residence or the federal laws of Canada.<br>31. Pre-Existing Nuclear Issues &#8211; No coverage or reimbursement for expenses resulting from any nuclear reaction, radiation or radioactive contamination or occurrence, where the risk of the exposure was present prior to your departure, however caused.<br>32. Experimental Treatment &#8211; No coverage or reimbursement for expenses for any medical treatment which is considered by GMS to be experimental. GMS\u2019 opinion is final and binding.<\/p>\n<p>Should any changes to your health occur after you applied for coverage, GMS must be notified and your application updated.<br>A change in health may:<br>1. affect your eligibility for coverage; or<br>2. increase your premium.<br>Changes to your health that do not affect eligibility will still constitute a change in stability and may limit your available coverage.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bwi7344 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_rxeq345 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_k8gb345   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"font-weight: 400;\"><strong>IMPORTANT NOTE<\/strong><strong>:\u00a0<\/strong>The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"downloads\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-downloads tb_vfqo080 tf_w\">\n                        <div class=\"row_inner col_align_middle gutter-narrow tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_0vzz000 first\">\n                    <!-- module divider -->\n<div  class=\"module tf_mw module-divider tb_m288250 solid  divider-custom divider-left\" style=\"border-width: 2px;border-color: #000000;margin-top: -8px;max-width: 100px;\" data-lazy=\"1\">\n    <\/div>\n<!-- \/module divider -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_bfj6824 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_on41694   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4>DOWNLOADS:<\/h4>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_2z4t200 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_7a8i026 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_kdrm008   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <ul>\n<li>\n<p><strong><a title=\"\" href=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2025\/01\/GMS-Travel-Policy.pdf\" target=\"_blank\" rel=\"noopener\">GMS Travel Insurance POLICY PDF<\/a><\/strong><\/p>\n<\/li>\n<\/ul>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_18nw433 buttons-vertical outline  large\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/\/online.gms.ca\/cims\/web\/travel\/applicant.aspx?agentid=402030\" class=\"ui builder_button tf_in_flx tb_default_color\" target=\"_blank\" rel=\"noopener\">\n                                                BUY ONLINE                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Travel Insurance<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"page-group":[],"class_list":["post-544","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"acf":{"pageTitle":"","pageDescription":"","keywords":"","redirectto":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>GMS Travel Insurance | Canadian Travellers Insurance<\/title>\n<meta name=\"description\" content=\"GMS Travel Insurance provides Canadian travelers with up to $5 million in emergency medical coverage, including hospital stays, physician services, and prescription drugs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"GMS Travel Insurance | Canadian Travellers Insurance\" \/>\n<meta property=\"og:description\" content=\"GMS Travel Insurance provides Canadian travelers with up to $5 million in emergency medical coverage, including hospital stays, physician services, and prescription drugs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Canadian Travellers Insurance\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-10T19:26:48+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"15 minutes\" \/>\n<script 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Insurance","og_description":"GMS Travel Insurance provides Canadian travelers with up to $5 million in emergency medical coverage, including hospital stays, physician services, and prescription drugs.","og_url":"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/","og_site_name":"Canadian Travellers Insurance","article_modified_time":"2025-03-10T19:26:48+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"15 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/","url":"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/","name":"GMS Travel Insurance | Canadian Travellers Insurance","isPartOf":{"@id":"https:\/\/www.travellersinsurance.ca\/#website"},"datePublished":"2022-07-20T08:24:52+00:00","dateModified":"2025-03-10T19:26:48+00:00","description":"GMS Travel Insurance provides Canadian travelers with up to $5 million in emergency medical coverage, including hospital stays, physician services, and prescription drugs.","breadcrumb":{"@id":"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.travellersinsurance.ca\/gms-travel-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.travellersinsurance.ca\/"},{"@type":"ListItem","position":2,"name":"GMS Travel Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.travellersinsurance.ca\/#website","url":"https:\/\/www.travellersinsurance.ca\/","name":"Canadian Travellers Insurance","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.travellersinsurance.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"builder_content":"<img src=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-339x135.png\" width=\"339\" height=\"135\" title=\"GMS-2-removebg-preview\" alt=\"GMS-2-removebg-preview\" srcset=\"https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-339x135.png 339w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-300x120.png 300w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview-200x80.png 200w, https:\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2024\/11\/GMS-2-removebg-preview.png 500w\" sizes=\"(max-width: 339px) 100vw, 339px\" \/>\n<h1>Travel Insurance<\/h1>\n<ul id=\"menu-travel-insurance-menu-1\"><li><a href=\"#benefits\">Benefits<\/a><\/li> <li><a href=\"#eligibility\">Eligibility<\/a><\/li> <li><a href=\"#extensions\">Extensions<\/a><\/li> <li><a href=\"#refunds\">Refunds<\/a><\/li> <li><a href=\"#claims\">Claims<\/a><\/li> <li><a href=\"#exclusions\">Exclusions<\/a><\/li> <li><a href=\"#downloads\">Downloads<\/a><\/li> <\/ul>\n<a href=\"\/\/my.gms.ca\/buyflow\/travel\/step1?brokerid=402030\" target=\"_blank\" rel=\"noopener\"> BUY ONLINE <\/a>\n<em style=\"color:#c40021\"><svg aria-hidden=\"true\"><use href=\"#tf-fas-user-cog\"><\/use><\/svg><\/em> \n <h3> Administrated by: <\/h3> <p>GMS Insurance Inc.<\/p>\n<em style=\"color:#c40021\"><svg aria-hidden=\"true\"><use href=\"#tf-fas-file-signature\"><\/use><\/svg><\/em> \n <h3> Underwritten by: <\/h3> <p>GMS Insurance Inc.<\/p>\n<em style=\"color:#c40021\"><svg aria-hidden=\"true\"><use href=\"#tf-fas-headset\"><\/use><\/svg><\/em> \n <h3> 24 hours Emergency Assistance Center: <\/h3> <p>World Travel Protection (WTP)<\/p>\n<p><strong>Note:<\/strong>\u00a0This plan is not available for travellers from\u00a0<strong>Quebec, New Brunswick and Nunavut.<\/strong><\/p>\n\n<h4>BENEFITS:<\/h4>\n<p style=\"font-weight: 400;\"><strong>- Emergency Medical Expenses:<\/strong>\u00a0maximum benefit: $5,000,000\u00a0<br><strong>\u00a0- Hospital Room:<\/strong>\u00a0ward or semi-private.<br><strong>\u00a0- Physician Services<br><\/strong><strong>\u00a0- Diagnostic Services:\u00a0<\/strong>basic diagnostic tests ordered by a physician (advanced diagnostics require pre-approval) *<br><strong>\u00a0- Prescription drugs<\/strong>\u00a0or medicines - 30-day supply per prescription<br>\u00a0-\u00a0<strong>Medical Appliances -\u00a0<\/strong>rental of essential medical appliances (wheelchair, crutches, canes etc.) when needed. *<br><strong>\u00a0- Accidental Dental:<\/strong>\u00a0Up to<strong>\u00a0<\/strong>$2,000\u00a0for repair or replacement of natural teeth or permanently attached artificial teeth, damaged by an accidental blow to the mouth.<br><strong>\u00a0- Dental Emergencies:<\/strong>\u00a0Up to\u00a0$250<strong>\u00a0<\/strong>for treatment or relief of acute dental pain.<br><strong>\u00a0- Private Duty Nursing\u00a0<\/strong>\u2013 up to $5,000. *<br><strong>\u00a0- Professional Medical Services<\/strong>\u00a0\u2013 care received from a licensed physiotherapist, chiropractor, osteopath, chiropodist, or podiatrist, up to\u00a0$300\u00a0per specialty.<br>\u00a0<strong>- Ambulance Transportation:<\/strong>\u00a0Licensed local road ambulance, when necessary, to the nearest hospital.\u00a0<br><strong>\u00a0- Air Ambulance &amp; Remote Evacuation\u00a0<\/strong>\u2013 up to $20,000 for the use of a helicopter air ambulance in a medical emergency involving life threatening circumstances where you require immediate transport to the nearest hospital.<br><strong>\u00a0- Repatriation\u00a0<\/strong>\u2013 expenses to transport you by air ambulance (excluding helicopters) and Attendant (if necessary) or regularly scheduled common carrier back to your province of residence for further in-hospital medical treatment. *<br>\u00a0-\u00a0<strong>Return of Family Member\u00a0-\u00a0<\/strong>up to\u00a0$1,000 for one-way air transportation to return of one covered family member and\/or insured dependent (including escort when required), if you are\u00a0repatriated\u00a0to your province of residence for further in-hospital medical treatment or in the event of\u00a0your\u00a0death. *<br>\u00a0-\u00a0<strong>Family\/Friend to Bedside\u00a0<\/strong>up to $3,000 to bring family member or a close friend, and reimbursement of up to $150 per day to a maximum of $750 for reasonable expenses incurred by the transported person, once they arrive if you have been hospitalized for more than 3 consecutive nights. *<strong>\u00a0<br><\/strong><strong>\u00a0- Return of Remains\u00a0<\/strong>In the event of death from covered condition, up to $7,000\u00a0for the preparation and transport of your remains, or up to $3,000\u00a0for cremation or burial at the place of death. (This\u00a0benefit does not cover the cost of a burial casket or urn). *<br><strong>\u00a0- Return of Vehicle\u00a0<\/strong>\u2013 up to $2,000, for returning your vehicle, to your province of residence if you have been transferred to Canada due to covered illness or injury.<br>\u00a0-\u00a0<strong>Return of Cat or Dog\u00a0<\/strong>\u2013 Reimbursement up to $300 to return\u00a0your\u00a0cat or dog to\u00a0your\u00a0province of residence if you have been transferred to Canada due to covered illness or injury.<br><strong>\u00a0- Child Care -\u00a0<\/strong>up to $500 for licensed care of dependent, should you be hospitalized due to a medical Emergency. *<br><strong>\u00a0- Out of pocket expenses \u2013\u00a0<\/strong>expenses up to a maximum of $1,000 incurred by insured travelling companion\u00a0in the event you are in hospital receiving care on your return date. This benefit includes\u00a0coverage for up to $150\/day for accommodations, which shall form part of the $1,000 limit.\u00a0*<\/p> <p style=\"font-weight: 400;\">* Some of the benefits must be pre-approved and arranged by GMS. Please read the insurance policy (attached below) for full descriptions and condition of the insurance benefits.<strong>\u00a0<\/strong><\/p> <p style=\"font-weight: 400;\"><strong>OTHER PLANS (additional rates apply)<br><\/strong><strong>- Baggage Loss, Damage &amp; Delay \u2013\u00a0<\/strong>up to $1,500 per person<br><strong>- Trip Cancellation &amp; Interruption \u2013\u00a0<\/strong>before departure: up to $20,000 and after departure: $10,000<\/p>\n\n<h4>ELIGIBILITY:<\/h4>\n<p style=\"font-weight: 400;\"><strong>You\u00a0<\/strong><strong>must purchase the plan prior to\u00a0<\/strong><strong>your departure date\u00a0<\/strong><strong>from\u00a0<\/strong><strong>your\u00a0<\/strong><strong>province of residence.<br><\/strong><strong>You\u00a0<\/strong><strong>must have valid provincial health coverage\u00a0for the entire duration of\u00a0your\u00a0trip.<br><\/strong>You are NOT eligible for coverage if you:<br>1. are awaiting tests or medical treatment for a heart condition;<br>2. have a surgically untreated vascular aneurysm;<br>3. have been diagnosed with Congestive Heart Failure (CHF);<br>4. have an Implantable Cardioverter Defibrillator (ICD);<br>5. were diagnosed; received new medical treatment (e.g. consultation, tests or prescription drugs); or had a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug, other than a dosage change of Coumadin or Warfarin) for, any of the following heart or vascular conditions in the last twelve (12) months:<br>a. heart transplant;<br>b. atrial flutter;<br>c. atrial\/ventricular fibrillation;<br>d. peripheral vascular disease;<br>e. stroke\/TIA; or<br>f. blood clots;<br>6. have diabetes that is treated with insulin AND take prescription medication for a heart condition (excluding medication to treat high cholesterol or high blood pressure);<br>7. use home oxygen or take an oral steroid to treat a lung condition;<br>8. are currently being treated for cancer, excluding breast or prostate cancer treated exclusively with hormone therapy;<br>9. were diagnosed; received a new medical treatment (e.g. consultation, tests or prescription drugs); or had a change in your medical treatment (e.g. a stop, start or dosage change to a prescription drug) for, any of the following conditions in the last twelve (12) months:<br>a. liver failure;<br>b. GI bleed;<br>c. AIDS; or<br>d. terminal illness;<br>10. have had any of the following procedures in the last twelve (12) months:<br>a. valve surgery or replacement;<br>b. kidney dialysis;<br>c. organ, stem cell or bone marrow transplant;<br>11. require assistance from another person(s) with activities of daily living (ADL) if you are seventy (70) years of age or older;<br>12. are not a Canadian resident; and<br>13. have not purchased prior to departing on your trip, unless purchased as a top-up to an existing GMS policy.<\/p> <p style=\"font-weight: 400;\"><strong>PRE-EXISTING CONDITIONS:<br><\/strong>No coverage or reimbursement for expenses resulting from medical condition(s) which have not been stable for\u00a0one hundred and eighty (180) days\u00a0immediately prior to your departure date, including:<br>a. medical condition(s) for which you received medical treatment or medical consultation; and\/or<br>b. undiagnosed medical condition(s) related to symptoms for which you received medical treatment or medical consultation.<br>You must be stable based on the definition of<strong>\u00a0Stable<\/strong>\u00a0in the insurance policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition.<strong><br><\/strong><\/p> <p style=\"font-weight: 400;\"><strong>Stable<\/strong>:\u00a0a medical condition is considered stable and controlled, only when all of the following statements are true.<br>1. there has not been any new medical treatment prescribed or recommended, or change(s) to existing medical treatment or stopped medical treatment; and<br>2. there has not been any change to any existing prescribed drug (including an increase, decrease, or stopping to prescribed dosage), except:<br>a. a dosage adjustment for anti-hypertensive or cholesterol lowering medication;<br>b. a change from brand name medication to generic medication and vice versa of the same dosage;<br>c. Coumadin\/Warfarin prescribed as an anticoagulation therapy adjusted to ensure your INR is maintained within therapeutic range as directed by your physician(s) provided there has been no other change in your condition; and<br>d. insulin or oral anti-diabetic medication where blood levels are tested on a regular basis and adjustments to the dosage are made to ensure your blood glucose level is maintained within therapeutic range as directed by your physician(s) provided there has been no other change in your condition; and<br>3. the medical condition has not become worse; and<br>4. there have not been any new, more frequent or more severe symptoms; and<br>5. there has been no hospitalization or referral to a specialist; and<br>6. there has been no tests, investigation or medical treatment recommended, but not yet complete, nor any outstanding test results.<\/p>\n\n<h4>EXTENSIONS:<\/h4>\n<p>Your\u00a0Single-Trip plan may be extended by purchasing additional days while outside\u00a0your province of residence\u00a0if\u00a0you:<br>1. notify\u00a0GMS\u00a0two (2) business days prior to the\u00a0expiry date\u00a0of\u00a0your\u00a0policy; and<br>2. have not incurred a claim, required\u00a0medical treatment\u00a0or\u00a0medical consultation\u00a0during\u00a0your trip.<\/p> <p><strong>AUTOMATIC COVERAGE EXTENSIONS<\/strong><br>Your Single-Trip Plan will automatically be extended up to 72 hours if\u00a0the return to your province\/territory of residence is delayed beyond the\u00a0expiry date of the policy due to any of the following:<br>1.\u00a0You are delayed due to your or your travelling companion\u2019s medical\u00a0emergency. Written confirmation from the attending physician\u00a0is required to verify that you or your travelling companion are\u00a0medically unfit to travel. The 72 hour extension will begin once\u00a0you have been deemed medically fit to travel or are discharged\u00a0from the hospital. In-hospital care during the medical emergency\u00a0continues to be covered by your policy until discharged from the\u00a0hospital; and<br>2.\u00a0A delay of a common carrier you are travelling on causes you to miss\u00a0your return date to your province\/territory of residence.<br>3.\u00a0The vehicle you are travelling in:<br>\u00a0 \u00a0 \u00a0 \u00a0 a.\u00a0is involved in an accident;<br>\u00a0 \u00a0 \u00a0 \u00a0 b.\u00a0has a mechanical breakdown; or<br>\u00a0 \u00a0 \u00a0 \u00a0 c.\u00a0is delayed by a police-directed road closure.<\/p>\n\n<h4>REFUNDS:<\/h4>\n<p>1. Prior to your effective date you are eligible for a full refund.<br>2. After your effective date, a partial refund is available for unused days upon return to your province of residence except if:<br>a. the insured person requesting the refund has incurred a claim under the policy; or<br>b. if a family rate was applied, any person covered under the plan has incurred a claim.<br>Written notice with supporting documentation is required within 30 days of your early return to your province of residence.<br>Once you have received a refund, you will no longer be eligible for reimbursement of expenses for any medical emergency.<\/p>\n\n<h4>CLAIMS:<\/h4>\n<p>You must contact\u00a0GMS Travel Assistance\u00a0where possible before you seek medical treatment. Failure to contact GMS within twenty-four (24) hours of receiving medical treatment or admission to hospital may limit benefits, otherwise payable to you, to\u00a0the lesser of 70% of reasonable and customary expenses or $50,000. Emergency phone numbers: Toll free within Canada and the USA:\u00a0<strong>1-800-459-6604<\/strong>\u00a0and Collect call from all other locations:\u00a0<strong>905-726-5196.\u00a0<\/strong><\/p> <p><strong>Claims Instructions:<\/strong><br>1. Complete a claim form and attach all original itemized medical bills and prescription receipts.<br>2. Sign and date completed form and return package to:<br>Allianz Global Assistance Claims Department<br>P.O. Box 277, Waterloo, ON, N2J 4A4<br>For online Claims Submission visit\u00a0<a title=\"\" href=\"\/\/www.gms.ca\/emergency-medical-claims\" target=\"_blank\" rel=\"noopener\">www.gms.ca\/emergency-medical-claims<\/a><a title=\"GMS Travel Claims\" href=\"\/\/www.gms.ca\/emergency-medical-claims\"><br><\/a>In the event of a claim, a claim form must be submitted to GMS within ninety (90) days of the illness or injury.<br>Please keep a copy of all the submitted correspondence for your records.<\/p>\n\n<h4>EXCLUSIONS:<\/h4>\n<p><br>1. Pre-existing Medical Conditions - No coverage or reimbursement for expenses resulting from medical conditions which have not been stable for one hundred and eighty (180) days immediately prior to your departure date, including:<br>a. medical conditions for which you received medical treatment or medical consultation; and\/or<br>b. undiagnosed medical conditions related to symptoms for which you received medical treatment or medical consultation. You must be stable based on the definition of stable in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical conditions.<br>2. Pre-existing Medical Conditions When Topping Up Other Insurer\u2019s Plans - No coverage or reimbursement for expenses where this policy is being used as a top-up for another insurer\u2019s emergency medical insurance, unless the medical conditions have been stable for one hundred eighty (180) days prior to the effective date of the top-up.<br>3. Pre-existing Medical Conditions When Topping Up a GMS Plan - No coverage or reimbursement for expenses where this policy is being used as a top-up to existing GMS emergency medical coverage, unless medical conditions are stable as defined by the stability period specified within the GMS policy this policy is topping-up.<br>4. Recurrence of a Medical Condition - No coverage or reimbursement for the continued medical treatment of a medical condition or related condition, following emergency medical treatment during your trip, if GMS determines that your emergency has ended.<br>5. Non-Emergency Treatment - No coverage or reimbursement for non-emergency, experimental or elective medical treatment (e.g. cosmetic surgery, chronic care, rehabilitation) including any expenses for related complications.<br>6. Travel for Diagnosis or Treatment - No coverage or reimbursement for any claim if the purpose of your trip is to obtain or receive a diagnosis, medical treatment, surgery, investigation, palliative care or therapy.<br>7. Travel When Treatment Expected - No coverage or reimbursement if it was reasonable, prior to your departure date, to expect medical treatment or hospitalization during your trip, including any symptoms evident that it would be reasonable to expect you to investigate prior to your departure date.<br>8. Delayable Treatment - No coverage or reimbursement for expenses for medical treatment that can be reasonably delayed until you return to your province of residence.<br>9. Transplants - No coverage or reimbursement for transplants, including but not limited to organ transplants, or bone marrow or stem cell transplants which may be required as part of your medical treatment provided at your trip destination.<br>10. Refusal of Transfer - If GMS medical advisors determine that you should transfer to another facility for emergency medical treatment or return to your province of residence, and you choose not to, benefits will not be paid for further medical treatment and the policy will be null and void.<br>11. Refusal to Follow Medical Advice - No coverage or reimbursement for expenses that result from you not following medical treatment as prescribed to you, including prescribed medication.<br>12. Non-Adherence - No coverage or reimbursement for expenses that result from your failure, prior to departure, to:<br>a. adhere to medical treatment;<br>b. obtain investigative or diagnostic tests recommended by a medical professional; and\/or<br>c. receive results from investigative or diagnostic tests.<br>13. Acting Against Physician\u2019s Advice - No coverage or reimbursement for expenses incurred after your physician advised you not to travel.<br>14. Maintaining Valid Government Health Insurance \u2013 No coverage or reimbursement for any expense that would have been covered under your government health plan, if you fail to maintain valid coverage within your province of residence for the entire duration of your trip. It is your responsibility to check that you have this coverage.<br>15.\u00a0<strong>Pregnancy Related Matters - No coverage or reimbursement for expenses related to routine pre-natal or post-natal care and pregnancy, delivery or complications of either the pregnancy or delivery, which occur nine (9) weeks before the expected date of delivery or anytime after.<br><\/strong>16.\u00a0<strong>Child Born During Trip - No coverage or reimbursement for expenses related to your child born during the trip.<br><\/strong>17. Cardiac Procedures and Devices - No coverage or reimbursement for expenses for cardiac catheterization, angioplasty or cardiovascular surgery or insertion of an implantable cardioverter defibrillator (ICD) or pacemaker including all associated diagnostic expenses, unless necessary in a medical emergency. Pre-approval by GMS required.<br>18.\u00a0<strong>Risky Activities -<\/strong>\u00a0No coverage or reimbursement for expenses resulting from your participation in:<br>a.\u00a0<strong>professional sport;<br><\/strong>b.\u00a0<strong>speed contests or racing of motorized land, water or air vehicle(s); or<br><\/strong>c.\u00a0<strong>any extreme sport or activity involving a high level of risk, including but not limited to: scuba diving (except when you are NAUI, PADI, ACUC or SSI certified); bungee jumping; parachuting; mountaineering; skydiving; hang gliding; acrobatic or stunt flying; or participating in a rodeo or horse race as a jockey.<br><\/strong>19. Non-Common Carrier Air Travel - No coverage or reimbursement for expenses resulting from air travel unless riding as a passenger on a common carrier.<br>20. Common Carrier Air Travel - No coverage or reimbursement for expenses resulting from air travel unless riding as a passenger on a common carrier.<br>21. Work - No coverage or reimbursement for expenses for work related accidents.<br>22. Risky Work or Volunteer Activities - No coverage or reimbursement for expenses resulting from your service in the armed forces, willful exposure to peril, work within a hazardous occupation, or mission and\/or relief work.<br>23. Result of Conflict - No coverage or reimbursement for expenses resulting from war, terrorism or acts of foreign rebellion.<br>24. Travel Advisory - No coverage or reimbursement for expenses that occur where, before your departure date, an official travel advisory is issued by the Canadian Government stating \"Avoid non-essential travel\" or \"Avoid all travel\" for the country, region, city, or other destination (including cruise ships) that are part of your travel arrangements.<br>To view travel advisories, visit the Government of Canada Travel site: <a href=\"\/\/travel.gc.ca\/travelling\/advisories\" target=\"_blank\" rel=\"noopener\">\/\/travel.gc.ca\/travelling\/advisories<\/a>.<br>25. Criminal or Illegal Activity - No coverage or reimbursement for expenses that result from or are related to your involvement in the commission, or attempted commission, of a criminal offence or illegal act.<br>26. Drugs &amp; Alcohol - No coverage or reimbursement for:<br>a. expenses for any medical condition, including symptoms of withdrawal, arising from, or in any way related to, your use of alcohol, drugs or other intoxicants (including cannabis) whether prior to or during your trip; and<br>b. out-of-pocket expenses arising from or in any way related to alcohol, drugs, or other intoxicants (including cannabis).<br>27. Misuse of Medication - No coverage or reimbursement for expenses resulting from the misuse of a medication, whether prescribed or not.<br>28. Motor Vehicle Accident - No coverage or reimbursement for expenses resulting from a motor vehicle accident, unless not covered by any other policy.<br>29. Failure to Obtain GMS Pre-Approval - No coverage or reimbursement for expenses where pre approval by GMS is required and not obtained.<br>30. Unapproved Treatment - No coverage or reimbursement for expenses for medical treatment or services that contravene or are prohibited by the provincial laws of your province of residence or the federal laws of Canada.<br>31. Pre-Existing Nuclear Issues - No coverage or reimbursement for expenses resulting from any nuclear reaction, radiation or radioactive contamination or occurrence, where the risk of the exposure was present prior to your departure, however caused.<br>32. Experimental Treatment - No coverage or reimbursement for expenses for any medical treatment which is considered by GMS to be experimental. GMS\u2019 opinion is final and binding.<\/p> <p>Should any changes to your health occur after you applied for coverage, GMS must be notified and your application updated.<br>A change in health may:<br>1. affect your eligibility for coverage; or<br>2. increase your premium.<br>Changes to your health that do not affect eligibility will still constitute a change in stability and may limit your available coverage.<\/p>\n<p style=\"font-weight: 400;\"><strong>IMPORTANT NOTE<\/strong><strong>:\u00a0<\/strong>The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.<\/p>\n\n<h4>DOWNLOADS:<\/h4>\n<ul> <li> <p><strong><a title=\"\" href=\"\/\/www.travellersinsurance.ca\/wp-content\/uploads\/2025\/01\/GMS-Travel-Policy.pdf\" target=\"_blank\" rel=\"noopener\">GMS Travel Insurance POLICY PDF<\/a><\/strong><\/p> <\/li> <\/ul>\n<a href=\"\/\/online.gms.ca\/cims\/web\/travel\/applicant.aspx?agentid=402030\" target=\"_blank\" rel=\"noopener\"> BUY ONLINE <\/a>","_links":{"self":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/544","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/comments?post=544"}],"version-history":[{"count":30,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/544\/revisions"}],"predecessor-version":[{"id":2720,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/pages\/544\/revisions\/2720"}],"wp:attachment":[{"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/media?parent=544"}],"wp:term":[{"taxonomy":"page-group","embeddable":true,"href":"https:\/\/www.travellersinsurance.ca\/wp-json\/wp\/v2\/page-group?post=544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}