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Travel Insurance in Quebec: Everything You Need to Know
Traveling without travel insurance is taking a considerable financial risk. A 3-day hospitalization in the United States can cost $50,000 or more — an amount that RAMQ will not reimburse. Our AMF-certified brokers compare the best travel insurance policies available in Quebec to offer you protection suited to your profile at the best price.
What RAMQ Does Not Cover Abroad
Many Quebecers assume their provincial coverage protects them everywhere in the world. This is an expensive mistake. Here’s what RAMQ actually reimburses outside Quebec:
| Situation | Estimated Actual Cost | RAMQ Reimbursement |
|---|---|---|
| Hospitalization in U.S. (1 night) | $8,000 – $15,000 | ~$100/day |
| Medical transport to Montreal | $15,000 – $80,000 | $0 |
| Medical consultation in Europe | $150 – $500 | ~$50 |
| Emergency surgery abroad | $20,000 – $200,000 | Minimal cap |
Source: RAMQ — Stay Outside Quebec and Public Health Canada — Travel Insurance.
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The 5 Types of Travel Insurance Available in Quebec
1. Emergency Medical Insurance
This is the basic protection, and the most important. It covers hospitalization costs, medical consultations, emergency medications, medical transport, and repatriation to Canada. Coverage limits range from $1 million to $10 million depending on the policies. Always choose a minimum coverage of $5 million for trips to the United States.
2. Trip Cancellation and Interruption Insurance
It reimburses your airline tickets, hotels, cruises, and prepaid packages if you must cancel or shorten your trip for a covered reason: illness, death of a close relative, job loss, natural disaster, or travel alert issued by Global Affairs Canada.
3. Baggage and Personal Effects Insurance
It compensates for the loss, theft, or damage of your baggage. Airlines limit their liability to approximately $1,700 per passenger under the Montreal Convention — insufficient if you travel with expensive equipment (cameras, laptops, jewelry).
4. Annual Multi-Trip Travel Insurance
Ideal for frequent travelers, this plan covers all your trips for 12 months for a single annual payment. It becomes economical starting at 3 trips per year. Maximum duration per trip varies: 15, 30, 60, or 90 days depending on the contracts.
5. Insurance for Visitors to Canada and Non-Canadian Residents
Permanent residents awaiting provincial coverage, work or study permit holders, and foreign tourists can obtain insurance to cover their medical costs in Canada. These policies are accessible even without active provincial coverage.
Typical Travel Insurance Prices in Quebec in 2025
| Traveler Profile | Destination | Duration | Approximate Price |
|---|---|---|---|
| Adult 30-45 years old | United States | 1 week | $80 – $120 |
| Adult 30-45 years old | Europe | 2 weeks | $60 – $100 |
| Adult 65+ years old | United States | 1 week | $180 – $350 |
| Family (2 adults + 2 children) | Caribbean | 2 weeks | $200 – $400 |
| Multi-trip annual (under 65) | Worldwide | 12 months | $300 – $600 |
| Multi-trip annual (65+ years) | Worldwide | 12 months | $800 – $1,500 |
These prices are indicative. Your premium depends on your age, pre-existing medical conditions, destination, and coverage chosen. Get a personalized quote via our online form.
Travel Insurance and Pre-Existing Medical Conditions
If you suffer from a stable medical condition (diabetes, hypertension, heart disease, etc.), you can still obtain travel insurance — but you must absolutely declare it when purchasing. Undeclared conditions can result in coverage denial in case of a claim.
Most insurers define a condition as « stable » if no treatment change, hospitalization, or unplanned consultation has occurred in the last 90, 180, or 365 days. Your broker can identify the insurers most favorable to your health profile.
Also check our life insurance and disability insurance pages for complete protection.
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