Travel Insurance
Securing a trip involves understanding the significant financial risks associated with medical emergencies, trip interruptions, and lost belongings while away from home. Stratis Insurance provides the educational clarity necessary to safeguard travel investments with excellence and transparency, ensuring clients are prepared for the unexpected. By highlighting often overlooked details, such as the limits of provincial health coverage outside of one’s home province, the goal is to empower informed decisions that protect personal well-being and build lasting trust.
Explore Without Boundaries
Travelling is about discovery and creating unforgettable memories. Stratis Insurance creates the perfect, personalized travel insurance plan designed for your specific itinerary, ensuring your health and investment are protected. Focus on your global adventures with complete peace of mind.
Insuring Partners
Importance of Travel Insurance
Your trip is an investment in yourself, but leaving your home province introduces financial and medical risks. Accidents happen beyond our control, from flight cancellations to medical emergencies abroad. Having the right coverage is essential because it provides:
Personalized Protection
Stratis Insurance goes beyond generic credit card coverage; our focus is on creating the perfect travel insurance plan designed specifically for your health and destination. We take pride in educating you about pre-existing condition stability and baggage coverage, ensuring you know exactly what your policy means without over-complicating the process.
Stratis Insurance advisors create a personalized plan that truly matches your preferences, ensuring your journey is protected. Gaining this solid understanding is a crucial element in arriving at sound choices.
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Renewed my car insurance with this company and really appreciated the quick and smooth service. Our broker, Saurabh, provided excellent sup…
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I had a great experience working with James Park at Stratis Insurance. He always replies on time and is genuinely willing to help whenever…
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María
Edward Chu at Stratis Insurance has been amazing to work with year after year. He’s always responsive, helpful, and makes sure I’m gett…
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Normally, Advisors would just make you choose the kind of policy you wanted based on price but Stella took the time to explain the main dif…
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FAQ
Does my provincial health plan cover me while I am away?
Provincial plans provide extremely limited coverage once you leave your home province (often less than 10% of foreign medical costs). They do not pay upfront for hospitals abroad. Travel medical insurance is necessary to cover the gap and provide immediate assistance.
What are "Pre-Existing Medical Conditions"?
A pre-existing condition is any injury or illness that existed before your trip. Policies require these conditions to be “stable” for a specific period (e.g., 90 or 180 days) before travel to be covered. Stratis Insurance ensures you are educated on the definition of stability to avoid claim denials.
What is the difference between Trip Cancellation and Trip Interruption?
Trip Cancellation covers non-refundable costs if you cannot depart due to a covered reason (like sudden illness). Trip Interruption covers the cost to return home early or rejoin a trip if an emergency occurs after you have already departed.
Is travel insurance necessary for trips within Canada?
Yes. While your provincial medical plan works across Canada, it does not cover ambulance fees, prescription drugs, or emergency dental work in other provinces. Furthermore, it does not cover trip cancellation or lost baggage expenses for domestic travel.
Am I covered if I participate in adventure sports?
Standard policies often exclude high-risk activities like scuba diving, rock climbing, or backcountry skiing. If you plan on being active, you may need a specialized rider. We seek to remove myths and provide clear direction on covering your specific adventures.
Does my credit card provide enough travel insurance?
Credit card coverage varies significantly and often has strict limitations regarding trip duration, age, and pre-existing conditions. It may not cover the full cost of your trip. Stratis Insurance helps you compare your card’s certificate with a comprehensive policy to ensure no gaps exist.
Get Covered Now
Ready for the ultimate protection? Talk to our trusted advisors for personalized plans and peace of mind.
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