Travel Insurance
Snowbird and senior travel insurance specialist in Calgary. Get covered for medical emergencies, stable pre-existing conditions, and trip cancellations.
Why Travel Insurance?
Your provincial health plan provides limited or no coverage outside Canada. A single emergency room visit in the United States can cost tens of thousands of dollars. Travel insurance ensures you’re protected wherever you go.
Coverage Options
Emergency Medical Insurance
The most essential travel coverage. Pays for hospital stays, surgery, ambulance, and repatriation if you experience a medical emergency abroad.
- Single-trip or annual multi-trip plans available
- Coverage for pre-existing conditions (subject to stability requirements)
- 24/7 emergency assistance hotline
Trip Cancellation & Interruption
Reimburses non-refundable travel costs if you must cancel or cut short your trip due to:
- Illness or injury (you or a family member)
- Death of a family member
- Job loss
- Natural disaster or travel advisory
Baggage & Personal Effects
Covers loss, theft, or damage to luggage and personal items during your trip.
All-Inclusive Travel Plans
Bundles emergency medical, trip cancellation, baggage, and accidental death coverage into one policy for complete peace of mind.
Who Needs Travel Insurance?
- Anyone travelling outside their home province
- Canadians travelling to the United States
- International visitors to Canada (see Emergency Medical for Visitors)
- Snowbirds spending extended time in warmer climates
Understanding the Stability Period
For Snowbirds and seniors, the “Stability Period” is the most critical part of a travel insurance policy. It refers to a period of time (e.g., 90 days) before your trip during which your medical condition must not have changed.
Common Stability Requirements
- No new symptoms or undiagnosed conditions
- No change in medication or dosage
- No new hospitalizations or specialist referrals
- No pending test results or surgeries
Why it matters
Even a minor change in blood pressure medication can reset your stability clock. If you travel before the period is complete, any claim related to that condition could be denied.
Get a Stability Review
Don’t leave your coverage to chance. Maria specializes in reviewing medical history against policy wording to ensure you are truly covered.
Request a No-Cost Stability Audit →
Contact Maria for a personalized travel insurance quote before your next trip.
Why choose an independent broker in Calgary for Travel Insurance?
As an independent broker based in Calgary, Maria Chekmareva works for you—not the insurance companies. By comparing policies from over 7 top Canadian providers, we ensure you get the best Travel Insurance coverage tailored to your specific needs and budget, all at no extra cost to you.
Ready for a Travel Insurance Quote?
Maria offers free, no-obligation consultations to help you find the right coverage.