Review up to $5 million in emergency medical coverage, eligibility, pre-existing-condition stability, family pricing, extensions after departure, claims and refunds—then continue to an instant quote.
It is emergency medical insurance for eligible Canadians travelling outside their home province or territory. Depending on the option purchased, coverage may apply within Canada, worldwide including the United States, or worldwide excluding the United States.
Coverage snapshot
The purchase confirmation and insurance contract control the exact plan, trip dates, travel zone and coverage selected.
Plan choices
The instant quote system should display the currently available trip-duration and travel-zone options for the applicant.
Coverage for one specified trip outside your home province or territory.
Coverage for multiple eligible trips during the annual policy period, subject to the maximum trip duration selected.
Available when the applicant and spouse are age 59 or younger and eligible dependent children are included.
A Single-Trip policy that excludes U.S. coverage permits a U.S. layover of up to 72 hours. Select a plan including the United States when the layover is longer.
Eligibility
Eligibility is assessed as of the effective date and must be maintained where the policy requires it.
At least 15 days old and under age 80.
Covered by the provincial or territorial government health plan for the entire trip.
Not travelling against a physician's advice.
No terminal illness as defined by the policy.
No disqualifying cancer, recent home oxygen, transplant, dialysis or unrepaired aneurysm history listed by the policy.
Normally present in the home province or territory when applying, except an eligible extension without a gap.
Additional 12-month medical requirements apply to ages 60–74 travelling 31–90 days and ages 75–79 travelling 1–90 days.
Specified diagnoses, treatment and medications can affect eligibility.
COPD, emphysema and other listed lung conditions are considered.
Most cancer histories are included in the additional eligibility test, with stated exceptions.
Stroke, TIA and diabetes treatment history can affect eligibility, with an exception for diet-controlled diabetes.
Benefit summary
Benefit limits apply per insured and are subject to medical necessity, reasonable and customary charges, pre-approval requirements and the complete policy.
| Benefit | Maximum or description | Important condition |
|---|---|---|
| Emergency medical | Up to $5,000,000 per insured, per trip | Sudden and unforeseen covered emergency |
| Private duty nurse | Up to $5,000 | Pre-approval required |
| Paramedical practitioner | $350 per practitioner category | Outpatient treatment ordered by a physician for a covered injury |
| Prescription drugs | One-time 30-day supply, up to $1,000 per policy | Prescribed for a covered emergency |
| Emergency transportation | Eligible expense | Must be pre-approved and arranged |
| Search and rescue | Up to $5,000 | Qualifying remote-location emergency |
| Accidental dental | Up to $3,000 | Direct accidental blow to the face |
| Dental pain emergency | Up to $500 | Immediate relief of qualifying acute pain |
| Meals and accommodation | $150 per day, maximum $1,500 | Return-date hospitalization conditions apply |
| Hospital allowance | $50 per day, maximum $250 | Hospitalized at least 48 consecutive hours |
| Emergency return home | Up to $3,000 | Pre-approved and arranged |
| Return of deceased | $5,000 return / $2,000 cremation or burial | Covered sickness or injury |
| Return vehicle | Up to $2,500 | Pre-approved, one claim per coverage period |
| Return to original destination | Up to $5,000 | Pre-approved after qualifying return to Canada |
| Pet return | Up to $300 | Accompanying dog or cat |
This summary is not a contract. Read the benefit wording, exclusions, definitions and coverage confirmation before travelling.
Pre-existing medical conditions
Coverage for a pre-existing condition depends on age and the policy's contractual definition of stable.
A pre-existing medical condition, other than a qualifying minor condition, generally must be stable for 90 consecutive days immediately before the applicable effective date or departure date.
A pre-existing medical condition, other than a qualifying minor condition, generally must be stable for 180 consecutive days immediately before the applicable effective date or departure date.
When topping up a Destination Annual Multi-Trip Plan, the departure date is used for the 90- or 180-day stability period as described in the policy.
Extending your trip
Yes, an existing Destination: Leisure Plan may be extended without a gap, but the after-departure extension is issued as a new policy and approval is not automatic.
Do not wait until the existing coverage has ended.
Eligibility is assessed again for each new coverage period.
The after-departure extension is a separate contract with current terms and rates.
Retain both coverage confirmations and confirm there is no gap.
The Annual Multi-Trip Plan cannot normally be bought after departure, except an eligible renewal of an existing Destination annual plan with the same trip-duration option and no gap. It cannot be used to top up another insurer's policy.
Common exclusions
The complete exclusions section must be read. The examples below do not replace the policy.
Emergency assistance and claims
Get urgent care immediately when necessary, then contact the Assistance and Claims Administrator before treatment whenever medically possible.
When calling, provide the insured's name, policy number, contact information, current location and the nature of the emergency.
Contact the administrator as soon as possible. Claims should generally be reported within 30 days of the occurrence.
Collect itemized bills, proof of payment, complete diagnosis, medical records, other-insurance payments and proof of travel dates.
Written proof should generally be submitted within 90 days. The policy describes an outside deadline of one year in qualifying circumstances.
Submit eligible out-of-pocket emergency medical expenses at Global Excel's BHSI claims portal. Paper claims may be mailed to Berkshire Hathaway Specialty Insurance, c/o Global Excel Management Inc., 73 Queen Street, Sherbrooke, Quebec J1M 0C9.
Premium refunds
Refunds are subject to written-request, timing, documentation, claim and plan-type requirements.
A full refund is available when the policy is returned within 10 days of purchase and coverage has not begun.
A refund may be considered when the entire trip is cancelled before the effective date or you return home before expiry, provided no claim is incurred, paid or pending.
A full refund may be considered before the effective date. Once the annual plan takes effect, it is non-refundable.
Instant online quotation
Continue to the PankajBhatia.ca travel quotation page. Enter your details once, review Destination pricing and compare other available insurers when useful.
You will be directed to the travel quote page to enter your province, traveller ages, destination and travel dates.
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Destination: Leisure Plan is emergency medical travel insurance for eligible Canadians travelling outside their province or territory of residence, including travel within Canada or abroad depending on the coverage selected.
The reviewed policy provides up to $5,000,000 CAD per insured, per trip for eligible reasonable and customary emergency medical expenses, subject to all policy terms, benefit limits and exclusions.
The plan is underwritten by National Liability & Fire Insurance Company – Canada Branch, trading as Berkshire Hathaway Specialty Insurance. Assistance and claims administration is provided through Global Excel Management Inc., and the plan is managed and distributed by Destination: Travel Group Inc.
Applicants must generally be at least 15 days old, under age 80, covered by their provincial or territorial government health insurance plan for the entire trip, and satisfy all medical eligibility requirements.
Yes. Additional medical eligibility rules apply to ages 60 to 74 travelling 31 to 90 days and ages 75 to 79 travelling 1 to 90 days. These rules address specified heart, lung, cancer, stroke or TIA, and diabetes histories during the prior 12 months.
A new initial policy generally must be purchased while you are in your province or territory of residence. The reviewed policy permits an application after departure only when extending an existing Destination: Leisure Plan without a gap in coverage, subject to eligibility and approval.
You may apply for a new coverage period before your existing Destination policy expires. The extension is a new contract with the terms and rates then in effect. You must remain eligible, be in good health and have no reason to seek medical treatment or consultation during the new period.
Destination: Travel Group Inc., on behalf of the insurer, will review the file before deciding whether to grant the extension. A recurrence of a condition present during the original term is not covered during the extension period.
Normally no. The reviewed wording allows an after-departure annual-plan purchase only when renewing an existing Destination annual plan with the same trip-duration option and no lapse or gap in coverage.
No. The reviewed policy states that the Destination: Leisure Annual Multi-Trip Plan cannot be purchased as a top-up to another policy.
Trips made under the Annual Multi-Trip Plan must be separated by a minimum 24-hour return to Canada. Proof of the date you exited Canada may be required when making a claim.
For applicants age 59 or younger, a pre-existing medical condition generally must be stable for 90 consecutive days. For applicants age 60 to 79, the general stability period is 180 consecutive days. The applicable measurement date depends on the policy and trip circumstances.
Stable generally means no new, changed or stopped treatment, no medication change except permitted routine adjustments, no worsening condition, no new or more severe symptoms, no hospitalization or specialist referral, no incomplete tests or outstanding results, and no planned or pending treatment.
Eligible outpatient drugs prescribed for a covered emergency are limited to a one-time 30-day supply per prescription and up to $1,000 per policy. Vitamins, over-the-counter medication and drugs for ongoing or pre-existing conditions are excluded as described in the policy.
The reviewed policy provides up to $3,000 for emergency treatment to sound natural teeth damaged by an accidental direct blow to the face and up to $500 for immediate relief of other acute dental pain, subject to timing and other requirements.
Eligible emergency transportation may be covered when medically necessary, pre-approved and arranged by the Assistance and Claims Administrator. This can include air ambulance, commercial transportation, stretcher arrangements and a qualified medical attendant.
The policy provides up to $5,000 for qualifying search and rescue when the insured is stranded in a mountainous area, at sea, in a remote area or a similar location, subject to approval and policy conditions.
The reviewed policy provides up to $150 per day, to a maximum of $1,500, for eligible meals, licensed accommodation, childcare, essential calls and taxi expenses when the applicable hospitalization and return-date conditions are met.
For a covered death, the policy provides up to $5,000 to prepare and return remains to the home province or territory, or up to $2,000 for cremation or burial at the place of death.
The policy provides up to $2,500 for the eligible return of a vehicle and up to $300 to return an accompanying dog or cat to Canada when the policy conditions are met.
Yes. The family option may include an applicant and spouse age 59 or younger plus eligible dependent children. All family members must be eligible, named on the coverage confirmation and have the same coverage dates.
The reviewed wording states that family coverage is calculated at two times the premium for the eldest adult age 59 or younger. A minimum premium of $15 applies.
Get to a hospital immediately when necessary, then contact the Assistance and Claims Administrator before treatment whenever possible and within 24 hours of hospital admission. Call 1-855-286-7467 from Canada or the USA, or +1-519-913-8034 from other locations.
Without reasonable cause, failure to contact the Assistance and Claims Administrator before treatment may make you responsible for 20% of the eligible medical expenses the insurer would normally pay.
Claims may be started through the Global Excel secure portal. Keep the completed claim form, original itemized invoices, payment receipts, medical records and diagnosis, proof of travel dates, information about other insurance and any additional records requested.
Claims should be reported as soon as reasonably possible, generally within 30 days of the occurrence. Written proof of loss should generally be submitted within 90 days. The policy describes an outside deadline of one year in qualifying circumstances.
Yes, provided the policy is returned within 10 days of purchase and coverage has not begun.
A refund may be considered when you return to your province or territory before the expiry date, provided no claim has been incurred, paid or remains pending and all refund requirements are met.
No. The reviewed wording states that once a Destination: Leisure Annual Multi-Trip Plan is in effect, no refund is provided.
Eligible refund requests are subject to a $25 administration fee and a minimum refund of $15. The request must generally be made through the original agent or broker and received no more than 90 days after policy expiry.
A Single-Trip policy excluding U.S. coverage includes a U.S. layover of up to 72 hours. A layover longer than 72 hours requires a plan that includes the United States.
Use the Instant Quote button to continue to PankajBhatia.ca's travel quotation page. Enter your province, ages, destination and dates to review available Destination pricing and compare other insurers when useful.
This independent educational page is prepared for PankajBhatia.ca. It is not the official Destination: Travel Group or Berkshire Hathaway Specialty Insurance website and does not replace the application, coverage confirmation or insurance contract.
Document reviewed:
Last reviewed: July 26, 2026. Before publication, confirm the quotation platform uses this wording and add current policy and claims-download links. The contract issued at purchase always controls.