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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 any of the travellers have a pre-existing medical condition?

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 have a pre-existing medical condition?

In order to provide an accurate quote, our featured travel insurance suppliers require additional information on individuals with pre-existing conditions.

If you wish to speak with a travel insurance specialist directly, please visit http://www.kanetix.ca/travel-insurance-providers for a list of our travel insurance providers.
Do you, or any member of your family require coverage for a pre-existing medical condition?

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 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).


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, please click on the Privacy link.



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.


Get quotes if I'm 60 or older?

Our suppliers require some additional information from individuals who are over 60 to determine an accurate quote, therefore an online quote is not available.

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


Get quotes if I'm under 16?

At this time, we are unable to provide online quotes for people under the age of 16.

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


Heart or Cardiovascular Conditions

Such as:

  • Aneurysm
  • Angioplasty
  • Arterial Blockage not Surgically Treated
  • Cardiac and/or Vascular Surgery
  • Coronary Artery By-Pass
  • Valve Replacement
  • Cardiomyopathy
  • Arrhythmia or Heart Murmur
  • 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



  • How many days coverage do you and your family need?

    With the Kanetix Travel comparison service, travel insurance quotes for annual policies can be obtained online for:
    • 15-day periods. Selecting the 15-day option means that for every trip you take in the next year, you will automatically have travel insurance coverage for up to 15 days if you decide to purchase the policy. The 15-day period includes your day of departure, the day you return and the 13 days in-between.
    • 30-day periods. Selecting the 30-day option means that for every trip you take in the next year, you will automatically have travel insurance coverage for up to 30 days if you decide to purchase the policy. The 30-day period includes your day of departure, the day you return and the 28 days in-between.



    I don't know which plan type is right for me ?

    If you:
    • want to ensure you and your family are covered for expenses that could arise from emergency medical costs; and
    • are not concerned about losing any investment you've made in your trip prior to departure, e.g., airfare, accommodation; and
    • are not concerned about expenses arising from lost, stolen or delayed baggage,

    Then don't leave home without Emergency Medical travel insurance.

    If you:
    • are making a significant investment in your trip for expenses such as airfare, down payments on cruises and accommodations; or
    • are booking your trip well in advance of departure; and
    • are already covered for expenses that could arise from emergency medical costs,

    You may want to consider Trip Cancellation/Interruption insurance.

    If you:
    • want to ensure you and your family are covered for expenses that could arise from emergency medical costs; and
    • are making a significant investment in your trip for expenses such as airfare, down payments on cruises and accommodations; or
    • are booking your trip well in advance of departure,

    You may want to consider All Inclusive travel insurance. This option is often a better value than individual policies purchased separately, and often includes other coverages such as baggage loss/delay and accidental death/dismemberment.

    If you:
    • travel more than once a year

    You may want to consider Multi-trips or Annual travel insurance.

    If you:
    • already have coverage for part of your trip but wish to be covered for the entire length of your trip
    • have not already left for your trip
    • have an exisiting travel insurance policy that allows top up coverage to be issue

    You may want to consider top up insurance.

    The information above is to be used as a guideline only. If you are unsure which coverage is right for you, choose the 'Call us' option before purchasing your policy. A licensed representative will be able to answer your specific questions and recommend the coverage that fits your specific needs.


    Internal Organs

    Such as:

  • Bladder Disease
  • Blood in Urine
  • Bowel Obstruction or Intestinal Occlusion
  • Cirrhosis
  • Crohn's Disease
  • Cystic Fibrosis
  • Diverticulitis
  • Gall Stones
  • Gastrointestinal Bleeding
  • 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/Renal Calculi (Stones)
  • Other Urinary Disease
  • Other Kidney Disease or Other Prostate Disorder
  • Other Liver Disease



  • Is your destination the US?

    Please indicate if you're looking for emergency medical insurance coverage for a trip to the United States.


    Length of trip

    Single trip policies will provide you with a quote for coverage for a specified period of time, which you indicate with your trip departure and return dates.

    With the Kanetix Travel comparison service, travel insurance quotes for annual policies can be obtained online for:

    • 15-day periods. Selecting the 15-day option means that for every trip you take in the next year, you will automatically have travel insurance coverage for up to 15 days if you decide to purchase the policy. The 15-day period includes your day of departure, the day you return and the 13 days in-between.
    • 30-day periods. Selecting the 30-day option means that for every trip you take in the next year, you will automatically have travel insurance coverage for up to 30 days if you decide to purchase the policy. The 30-day period includes your day of departure, the day you return and the 28 days in-between.



    Live outside Canada?

    Are you looking for travel insurance for your visit to Canada? If so, the type of travel insurance you are looking for is called Visitors to Canada, which you can get quotes online for here as well. Get Visitors to Canada insurance quotes for coverage that provides emergency medical insurance during your travels to Canada.

    Please note, the only travel insurance coverage currently available to visiting non-Canadians through Kanetix is Visitors to Canada. All other travel-related insurance quotes are available to Canadian residents only.


    Looking for multi-trip coverage?

    If you are looking for multi-trip (or annual) coverage, use a departure date and return date that corresponds to your longest trip. The list of quotes you receive from Kanetix will include single trip, multi-trip, trip cancellation and all-inclusive coverage so you can compare all your options. The most popular multi-trip policies sold are 15 and 30 day durations. Longer options such as 48 day or 60 day policies are available depending on the company.

    Tip on how to save money: If most of your trips are up to 15 days in duration, but one trip will be 20 days, you may want to consider a multi-trip policy for 15 day trip durations and then buy an extension for that one longer trip, rather than buy a multi-trip policy for 30 day trip durations. If you're unclear about what options would fit you best, talk to the insurance company of interest prior to purchase to see what policy best fits your needs.


    Lung or Respiratory Conditions

    Such as:

  • Condition Requiring the Use of a Puffer
  • Asthma
  • Bronchitis or Pneumonia
  • Chronic Bronchitis
  • Chronic Obstructive Pulmonary Disease (COPD)
  • Emphysema
  • Pneumonia or Pulmonary Emoblism
  • 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 or Dementia
  • Cerebral Palsy
  • Dizziness
  • Fainting or Falling
  • Epilepsy or Seizures
  • Lou Gehrig's Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson's Disease
  • Transient Ischemic Attack (TIA)
  • 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



  • 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 http://www.kanetix.ca/travel-insurance-providers for a list of our travel insurance providers.


    What are the birthdates of the travellers?

    Enter the date of birth for each traveller including yourself.


    What is the total cost of this trip?

    Trip Cost

    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

    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 your date of birth?

    Your insurance rates will vary depending on your age. Generally the younger you are, the lower your rate will be.


    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 http://www.kanetix.ca/travel-insurance-providers for a list of our travel insurance providers.


    What will the age of each traveller be at the date of departure?

    Enter the age, at the time of departure, of each traveller including yourself.


    Where are you travelling to?

    Final destination

    Please select your final destination or the country you will be visiting the longest.



    Where are you travelling to?

    Final destination

    Please select your final destination or the country you will be visiting the longest.



    Where did you hear about us?

    We only ask this question to help us with our marketing initiatives. The answer is optional and does not affect your quotes.


    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 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-Over

    A stop or brief stay during the course of your trip.


    Will you have a stop-over in the US?

    Stop-Over

    A stop or brief stay during the course of your trip.


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