Emergency medical travel insurance with up to $7 million CAD per insured person, per trip—plus single-trip, annual multi-trip and top-up options for eligible Canadian residents.
Canuck Voyage is emergency medical travel insurance for eligible Canadian residents travelling outside their province or territory. It can cover eligible unexpected sicknesses and injuries, subject to the plan selected, the traveller’s age and health, pre-existing-condition stability rules, benefit approvals and the complete policy contract.
Coverage snapshot
These figures summarize the reviewed policy and benefit summary. The confirmation issued at purchase and the current policy wording control.
Choose by travel pattern
Use these cards as a starting point. Age, trip duration, destination, deductible and eligibility determine the available quote.
Coverage for one specified trip outside your province or territory.
Annual protection for multiple eligible trips, subject to the selected maximum duration for each trip.
Add eligible days after an MSH annual plan, another insurer’s plan, employer insurance or credit-card coverage.
Before requesting a quote
All requirements must be satisfied on the effective date. Do not assume a quote guarantees eligibility or coverage.
Be a Canadian resident covered by a provincial or territorial government health insurance plan for the entire trip.
Purchase coverage for the entire trip, except where the policy permits qualifying top-up coverage.
Be at least 15 days old and less than 80 years old on the effective date.
Do not travel against a physician’s advice and do not travel to obtain medical treatment.
Have no terminal illness, new or undiagnosed symptoms, or known reason to seek medical attention.
Have not used or been prescribed home oxygen during the 12 months before the effective date.
Pre-existing medical conditions
The applicable stability period depends on age and trip duration.
| Traveller and trip | Stability period before the effective date | Planning note |
|---|---|---|
| Under age 60; trip 35 days or less | 30 days | New symptoms, treatment or medication changes during this period may affect coverage. |
| Under age 60; trip over 35 days | 90 days | The longer stability period applies because of the trip duration. |
| Age 60–74 | 90 days | Additional general eligibility rules also apply. |
| Age 75–79 | 180 days | Single-trip duration and general eligibility restrictions still apply. |
This is a plain-language summary. The policy definition of “stable,” exclusions and any current application questions determine coverage.
Benefit overview
Eligible expenses must result from a covered emergency. Many services require advance approval or arrangement by Intrepid 24/7.
Semi-private hospital accommodation, emergency room, intensive care, physicians, surgeons, anaesthetists, nursing, blood and oxygen.
Eligible laboratory tests and x-rays. MRI, CAT scans, ultrasounds, biopsies and certain other tests require advance approval.
Medically necessary prescription medication for emergency treatment, generally limited to a 30-day supply unless hospitalized.
Up to $500 per insured person, per listed profession, when approved in advance.
Up to $5,000 for accidental damage to sound teeth and up to $500 for emergency relief of dental pain.
Licensed ambulance, medically required return transportation, air transportation up to $250,000 and remote evacuation up to $5,000.
Round-trip economy airfare plus up to $150 per day, to $1,500 each, for up to two people when policy conditions are met.
Up to $150 per day to a maximum of $3,000 for approved additional expenses caused by a covered emergency.
Up to $15,000 for preparation and transportation of remains, or up to $5,000 for cremation or burial at the place of death.
Return of children or companion, pet return up to $500, vehicle return up to $4,000, baggage return up to $500 and return to destination up to $5,000.
Up to $5,000 for specified eligible recovery expenses incurred after identity fraud during the coverage period.
Eligible COVID-19 emergency expenses may be covered, subject to additional eligibility rules, policy limitations and exclusions.
Important flexibility
Yes, the reviewed Single Trip policy permits purchase after departure, subject to eligibility and an important waiting period.
A traveller who has already left their province or territory may apply for a new Single Trip Canuck Voyage policy. The policy starts according to its effective-date rules after the application and premium are accepted.
Extend existing protection
Yes. The reviewed policy permits top-up coverage after departure when it is arranged before the current coverage ends and all conditions are satisfied.
Locate the exact date and time your current plan ends.
Request the top-up before existing coverage expires.
Answer eligibility questions accurately and disclose any claim or health change.
Pay the premium and verify continuous dates before relying on coverage.
Example: Your credit-card insurance covers the first 15 days of a 30-day trip. An eligible Canuck Voyage top-up could begin on day 16 and cover the remaining 15 days, provided it is arranged before the credit-card coverage ends and all conditions are met.
Read before buying
The following are examples only. The complete exclusions section controls every claim.
Emergency assistance and claims
Contact Intrepid 24/7 immediately before treatment whenever medically possible. Save these details before travelling.
Email: intrepid@intrepid247.com
Intrepid 24/7 may provide provider referrals, medical monitoring, interpretation support, benefit information and direct billing where possible.
Contact Intrepid 24/7 immediately. Claims should generally be submitted within 30 days of the first medical expense or occurrence.
Keep itemized medical bills, payment receipts, prescription receipts, physician and hospital reports, and your government health card copy.
Submit the signed claim form, proof of departure and return dates, written proof of claim and any additional information requested.
Intrepid 24/7
150 King Street West, Suite 602 – PO Box 75
Toronto, ON M5H 1J9 Canada
Email: claims@intrepid247.com
Fax: 1-416-730-1878
Cancellation and refunds
Refund eligibility depends on timing, plan type, travel status and whether a claim has occurred.
Instant online quotation
Continue to the PankajBhatia.ca travel quotation page. Enter your trip details once, review available MSH pricing and compare other insurers when useful.
You will be directed to the travel quote page to enter your province, traveller age, destination and travel dates.
Open answers for search and voice
All answers remain visible in the page HTML for accessibility, search engines and AI systems.
Canuck Voyage is emergency medical travel insurance for eligible Canadian residents travelling outside their province or territory of residence. The reviewed policy provides up to $7,000,000 CAD per insured person, per trip, subject to all policy terms, benefit limits, exclusions and approvals.
The reviewed policy provides up to $7,000,000 CAD per insured person, per trip for reasonable and customary eligible expenses caused by a covered emergency.
On the effective date, an applicant must generally be a Canadian resident covered by a government health insurance plan for the entire trip, purchase coverage for the entire trip, be at least 15 days old and under age 80, and satisfy all health and travel eligibility conditions.
Yes, subject to additional eligibility restrictions. The reviewed materials limit single trips for ages 60 to 79 to 35 days and include additional requirements relating to congestive heart failure, certain unrepaired aneurysms and assistance with activities of daily living.
The reviewed benefit summary lists annual options of 5, 10, 20, 35, 50, 65 or 100 days per trip. Travellers age 60 to 74 are limited to the 5-, 10- or 20-day options. Availability and rates must be confirmed at the time of quotation.
The reviewed benefit summary lists deductible options of $0, $250, $500, $1,000, $5,000 and $10,000. A deductible applies per insured person, per covered emergency.
The reviewed policy uses 30 days for travellers under age 60 taking trips of 35 days or less; 90 days for travellers under age 60 taking longer trips; 90 days for ages 60 to 74; and 180 days for ages 75 to 79.
In practical terms, stability generally means there has been no new diagnosis, hospitalization, new or changed treatment or medication, new or worsening symptom, or pending investigation during the applicable period. The exact policy definition controls.
The reviewed Single Trip policy permits purchase after departure, but sickness that begins or causes symptoms during the first 48 hours after the effective date is not covered. Eligibility and all other policy terms still apply.
The reviewed wording specifically describes a waiting period for sickness after a policy is purchased following departure. Accident coverage remains subject to the complete policy wording, exclusions and effective-date rules.
Yes, a top-up may be purchased after departure, but it must be purchased before the existing coverage ends and must begin immediately after that coverage, with no lapse. The applicant must meet the top-up conditions.
The reviewed policy permits a top-up for additional trip days covered by another travel insurance plan when the trip lasts beyond the other coverage. Confirm that the first plan permits a top-up and that there will be no coverage gap.
The remaining trip days must be insured, premium must be paid before the top-up starts, the request must arrive before current coverage expires, eligibility must continue, there must be no health change, and generally no claim under the initial policy unless the insurer reviews and approves the file.
Eligible benefits may include hospital accommodation, physician and nursing services, diagnostic services, prescription drugs, ambulance and emergency transportation, emergency dental care, paramedical services, repatriation, bedside transportation and other listed benefits.
Eligible emergency expenses related to COVID-19 may be covered within the Emergency Hospital and Medical Benefits, subject to all eligibility rules, exclusions and limitations. Additional eligibility conditions apply to some older travellers.
These and certain other diagnostic services require advance approval from Intrepid 24/7 under the reviewed policy. Contact the emergency assistance service before undergoing tests whenever medically possible.
Contact Intrepid 24/7 immediately at +1 800 203 8508 toll-free from Canada and the USA, or +1 416 646 3107 collect where available. The reviewed policy also lists intrepid@intrepid247.com.
The reviewed policy states that benefits may be limited to 80% of eligible expenses, to a maximum payment of $25,000, when Intrepid 24/7 is not contacted, except in extreme circumstances involving a life-threatening medical crisis.
Report the claim and submit the completed claim form for each new sickness or injury, original itemized bills, original prescription receipts, proof of departure and return dates, and any additional records requested by Intrepid 24/7.
The reviewed documents require claims to be reported or submitted within 30 days of the first expense or occurrence, with written proof generally provided within 90 days.
The policy states that money payable under the contract is paid within 60 days after the insurer receives proof of claim and the required documentation.
The reviewed policy provides a 10-day cancellation right when the insured has not departed and no claim has been or will be made. Written notice must be provided to the broker or sales agent.
A partial refund, less a $25 administration fee, may be available when all insured travellers return together and no claim has occurred. The request and proof must satisfy the policy rules.
The reviewed MSH Canuck Voyage benefit summary lists a minimum premium of $20. Separately, no refund is issued when the amount to be reimbursed is less than $20 per policy.
The reviewed policy identifies certain Lloyd’s Underwriters as the insurer through MSH INTERNATIONAL (CANADA) LTD., a Lloyd’s Approved Coverholder. Emergency assistance and claims are administered by Intrepid 24/7.
Select the instant quote button to continue to PankajBhatia.ca’s travel insurance quotation page. Enter your destination, dates and traveller ages to review available MSH pricing and compare other plans. For medical or after-departure questions, call or WhatsApp Pankaj Bhatia.
This is an independent educational page prepared for PankajBhatia.ca. It is not the official MSH, Intrepid 24/7 or Lloyd’s website and does not replace the application, confirmation or insurance contract.
Documents reviewed:
Last reviewed: July 26, 2026. The final published page and download links should be checked against the policy, application and claim form currently supplied by the quotation system. The contract issued at purchase always controls.