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World-Class Travel Insurance and Travel Assistance Program

Medical Expenses

Get covered in the event an accident, injury or unexpected illness occur once you leave home. Includes medical, dental, ambulance, air evacuation and more.

Personalize Plans

Our plans are designed to meet your specific and unique needs.

No Stability Clause

All of our policies do not contain a stability clause. You are protected from day one.

Travel with Peace of Mind

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Emergency Medical
View policy documents
All-Inclusive
View policy documents
What's covered for Medical Emergencies
What's covered if your Trip is disrupted
Emergency Medical
View policy documents
All-Inclusive
View policy documents
What's covered for Medical Emergencies
What's covered if your Trip is disrupted
Emergency Medical
What's covered for Medical Emergencies
Emergency Medical
$10,000,000
Emergency Treatment
$10,000,000
Paramedical Services
$700
$70 per visit up to a maximum of $700
Ambulance Transportation
Reasonable and customary
Dental Emergency
$3,000
Incurred Expense Allowance
$2,000
$200 per day to a maximum of $2,000
Childcare expenses https://static.prod-xodus-ca.wl.ancileo.com/northbridge/xodus/ca/images/family.png
Not Covered
Hospital Allowance
$300
$50 per day to a maximum of $300
Phone call expenses
Reasonable and customary
Expenses to bring you Home
Reasonable and customary
Repatriation of Remains
$5,000
Return any Excess Baggage
Not Covered
Compassionate Visit
$1,000
Expenses to return your travel companion
Reasonable and customary
Return of children https://static.prod-xodus-ca.wl.ancileo.com/northbridge/xodus/ca/images/family.png
Reasonable and customary
Expenses to return your vehicle home
$3,000
Qualified medical attendant services
Reasonable and customary
Accidental Death and Dismemberment
Not Covered
What's covered if your Trip is disrupted
Trip Cancellation
Not Covered
Trip Interruption
Not Covered
Trip Int. Incurred Expenses
Not Covered
Trip Delay
Not Covered
Missed Connection
Not Covered
Lost/Damaged Baggage
Not Covered
Delayed Baggage
Not Covered
Lost Items / Personal Documents
Not Covered
All-Inclusive
What's covered for Medical Emergencies
Emergency Medical
$10,000,000
Emergency Treatment
$10,000,000
Paramedical Services
$700
$70 per visit up to a maximum of $700
Ambulance Transportation
Reasonable and customary
Dental Emergency
$3,000
Incurred Expense Allowance
$2,000
$200 per day to a maximum of $2,000
Childcare expenses
Not Covered
Hospital Allowance
$300
$50 per day to a maximum of $300
Phone call expenses
Reasonable and customary
Expenses to bring you Home
Reasonable and customary
Repatriation of Remains
$5,000
Return any Excess Baggage
Not Covered
Compassionate Visit
$1,000
Expenses to return your travel companion
Reasonable and customary
Return of children
Reasonable and customary
Expenses to return your vehicle home
$3,000
Qualified medical attendant services
Reasonable and customary
Accidental Death and Dismemberment
Not Covered
What's covered if your Trip is disrupted
Trip Cancellation
$6,000
$3,500 per trip to a maximum of $6,000 per policy
Trip Interruption
$6,000
$3,500 per trip to a maximum of $6,000 per policy
Trip Int. Incurred Expenses
$300
Trip Delay
$6,000
$3,500 per trip to a maximum of $6,000 per policy
Missed Connection
$1,000
Lost/Damaged Baggage
$6,000
$3,500 per trip to a maximum of $6,000 per policy
Delayed Baggage
$6,000
$3,500 per trip to a maximum of $6,000 per policy
Lost Items / Personal Documents
$1,500

Frequently asked questions

Do I need Travel Insurance?

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Travel insurance protects against unexpected expenses due to travel mishaps, illnesses or accidents outside your home province. From the expense to rebook your flight, creature comforts during delays to massive medical bills, travel insurance is there to keep you financially safe.

I have provincial healthcare, do I need travel insurance?

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The healthcare coverage provided by your province is quite limited when it comes to supporting you outside the province. Typically, you would only get reimbursed a small fraction of the cost of even a quick visit to a doctor in the United States.

What is a deductible?

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Deductibles are the amount you pay before your insurance responds. Larger deductibles provide larger discounts.

What is a pre-existing medical condition?

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A pre-existing medical condition refers to any diagnosis, illness, or medical condition that you have before embarking on a trip. Travel insurance policies usually do not cover these conditions unless they are stable. However, with Xodus' policies, you do not have to worry about stability periods. This is because Xodus has a personalized process where you declare all of your pre-existing medical conditions.

What is a stability period?

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Stability periods refer to the length of time before a scheduled travel departure during which any pre- existing medical condition should not have been diagnosed, had a change in treatment, or worsened. These periods may range from a few days to six months. However, Xodus' policies do not demand stability periods due to the personalized approach we take during the application process.

When can I buy travel insurance?

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You can buy travel insurance as soon as you confirm your travel plans, but before your trip starts. If you want to extend your coverage while you are at your destination, you must purchase the additional coverage before your current policy expires.

Are travel insurance policies tax deductible?

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The medical portion of travel insurance policies is tax-deductible. Xodus includes the tax receipt for you to keep for your records.

What is family coverage?

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When you travel with your family, a family coverage policy can keep things simple. These policies cover up to 10 children as well as parents or guardians.

I have an annual plan, can I stay longer than the days I purchased?

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We refer to these as top-ups. Essentially, you can purchase an additional policy that will start after your annual policy expires. This allows for seamless coverage during your longer trips, giving you peace of mind.

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