Travel Insurance in Quebec | Coverage Beyond RAMQ - Personalized Plan for Residents
Protect yourself from unexpected medical costs, trip cancellations and travel disruptions when you leave Quebec. Qubit Insurance compares travel insurance options from multiple insurers to help Quebec residents find coverage suited to their destination, trip length, age and needs.
Complete Travel Insurance Portfolio | Tailored Coverage for Every Journey
Family Travel Insurance for Single Trips
Annual Multi-Trip Business Coverage
Travel Insurance for Truck Drivers
Emergency Visitors to Canada Insurance
Why Quebec Residents Need Travel Insurance
Within Canada: RAMQ doesn't pay for emergency ambulance transport. It doesn't pay for prescriptions filled outside Quebec, apart from a few pharmacies right on the border that hold an agreement with RAMQ. And because Quebec hasn't signed the interprovincial agreement for doctors' fees, a physician in Ontario or BC can bill you at their rate while RAMQ reimburses only the Quebec rate.
In the United States: RAMQ reimburses a maximum of CA$50 per day for outpatient care, and only after a sudden illness or accident. A US hospital stay can run into the tens or hundreds of thousands. RAMQ's own example: three days in a Florida hospital after a heart attack can reach US$300,000.
Getting home: Flying a patient back to Montreal with a medical escort costs tens of thousands of dollars. RAMQ pays none of it.
For more information about your broader protection, you can also explore our insurance broker services in Montreal.
What Does Travel Insurance Cover in Quebec? Core Benefits
A standard travel insurance contract from our office provides coverage across five practical areas:
1
Emergency Medical Treatment
Pays for unexpected hospital stays, doctor visits, surgeries, and prescriptions while you are away.
2
Emergency Medical Repatriation Logistical Coverage
Covers the logistical costs of bringing you back to a Quebec healthcare facility if you are too ill to travel on a commercial flight.
3
Non-Refundable Trip Cancellation Insurance
Reimburses your pre-paid, non-refundable travel investments, flights, and hotels if a sudden illness or emergency forces you to cancel before departure.
4
Sudden Trip Interruption & Delay Coverage
Covers the cost of a last-minute flight home and lost itinerary segments if an emergency cuts your trip short after you have already left.
5
Baggage Loss, Theft & Travel Expense Protection
Provides a fixed reimbursement if your personal luggage is lost, stolen, or significantly delayed by an airline during transit.
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Why Choose Qubit Insurance For Travel Insurance in Quebec
1. Compare 20+ Providers: We look at policies from 20+ insurers in both places, including Blue Cross, TuGo, and Manulife, to compare rates and coverage rules side by side.
2. Medical History Expertise: We handle medical history disclosure. If you have a pre-existing condition like high blood pressure or diabetes, most policies require a defined 'stability period' before departure. We work through your history and match you to an insurer whose rules you actually meet.
3. Bilingual Emergency Claims Advocacy Desk: If you experience a medical emergency while away, you do not have to deal with large international hospital billing desks alone. We help manage the communication with your insurance provider.
4. Strategic Asset Portfolio Integration: If you already manage your personal or business insurance through us, we can easily add single-trip or annual travel protection to your existing local account.
How Much Does Travel Insurance Cost in Quebec?
1. Your Target Destination: Travel within the United States carries higher premiums due to the extreme cost of the US healthcare network.
2. Total Trip Duration: Plans are priced dynamically based on the exact number of days you are outside of Quebec.
3. Age of the Traveller: Risk scales naturally with age, meaning travellers over 65 see adjusted premium frameworks.
4. Medical Stability History: Pre-existing health issues require verified stability periods to unlock coverage.
5. Total Policy Indemnity Ceilings: Selecting a standard $1 million, $5 million, or $10 million global medical maximum limit will adjust the final price.
Why Choose Qubit Insurance?
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
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Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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Travel Insurance in Quebec: Coverage Beyond RAMQ
Quebec residents often assume RAMQ covers them fully when they travel. In reality, gaps in emergency transport, out-of-province prescriptions, interprovincial doctor fees, and US medical costs can leave you with significant bills. Qubit Insurance compares travel insurance from 25+ insurers to help you find emergency medical, trip cancellation, snowbird, and multi-trip coverage suited to your destination and needs.
Complete Travel Insurance Portfolio
We arrange policies tailored to how you travel, including family single-trip plans, annual multi-trip business coverage, specialized options for truck drivers, and emergency visitors to Canada insurance.
- Family Travel Insurance for Single Trips — Combined coverage for spouse and children, often more cost-effective than individual policies.
- Annual Multi-Trip Business Coverage — Automatic protection for frequent corporate and cross-border travellers.
- Travel Insurance for Truck Drivers — Occupational policies for long-haul drivers crossing into the United States.
- Emergency Visitors to Canada Insurance — Medical emergency coverage for visiting parents, relatives, and international students in Montreal.
Core Travel Insurance Benefits
- Emergency Medical Treatment — Hospital stays, doctor visits, surgeries, and prescriptions abroad.
- Emergency Medical Repatriation — Logistical costs to return you to a Quebec healthcare facility when commercial travel is not possible.
- Trip Cancellation & Interruption — Reimbursement for non-refundable flights, hotels, and lost itinerary segments.
- Baggage Loss & Delay — Fixed reimbursement when luggage is lost, stolen, or significantly delayed.
Why Choose Qubit Insurance in Montreal
As an independent broker, we compare 20+ providers including Blue Cross, TuGo, and Manulife. We help with medical history disclosure, bilingual emergency claims support, and integrating travel coverage with your existing personal or business policies.
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Get a Travel Insurance Quote in Montreal
Contact Qubit Insurance for a free travel quote: (450) 234-2120 | info@qubitinsurance.ca
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438 Rue Isabey Suite 210, Saint-Laurent, Quebec H4T 1V3 1155 Rue Metcalfe Suite 1500, Montreal, Quebec H3B 2V6
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