Travel Insurance
Protect the trip — and the people on it
Travel insurance is the one thing nobody thinks about until they need it. A medical emergency abroad or a last-minute cancellation can cost thousands. Lisa makes sure you understand your options and have the right protection before you go.
Travel insurance is the one thing nobody thinks about until they need it. A medical emergency abroad or a last-minute cancellation can cost thousands. Lisa makes sure you understand your options and have the right protection before you go.
Lisa helps you compare cancellation, interruption, medical and all-inclusive coverage, and explains the fine print in plain language so you travel with confidence — not crossed fingers.
Why work with Lisa
What you get
Plain-language guidance
Lisa explains what each coverage type actually does — emergency medical, cancellation, interruption — with no insurance jargon.
The right level of coverage
Matched to your destination, your health, your trip value and who's travelling — not a one-size-fits-all upsell.
Quebec-aware advice
Guidance grounded in what RAMQ and Canadian provincial plans do and don't cover when you're out of province or out of country.
Gaps in your existing coverage
Lisa reviews credit-card and employer coverage so you don't double-pay — or assume you're protected when you're not.
Timing done right
Some benefits, especially cancellation and pre-existing-condition coverage, must be purchased early. Lisa flags the deadlines.
Support if something happens
If you need to make a claim, Lisa helps you understand the process and next steps with the insurer.
Featured Deals
Featured deals
For nearly every trip abroad, emergency medical coverage is strongly recommended — a single medical event out of country can cost more than the whole vacation, and provincial plans like RAMQ cover only a small fraction. Cancellation and other coverages are optional but valuable; Lisa helps you decide what fits your trip.
Only minimally. RAMQ and other provincial plans reimburse a small, capped portion of out-of-country emergency care — often far less than the actual bill. That gap is exactly why emergency medical travel insurance matters for Canadians. Lisa explains how this works for your destination.
Sometimes it helps, but card coverage often has low medical limits, trip-length caps, age limits and strict conditions like charging the full trip to that card. Lisa helps you check what your card actually provides and recommends topping up only where there's a gap, so you're neither underinsured nor paying twice.
Most policies cover a pre-existing condition only if it's been stable — no changes to medication, treatment or symptoms — for a set period before departure, often 90 to 180 days. Lisa raises this early and points you to plans and wording suited to your situation, while the policy and insurer remain the final authority on eligibility.
Cancellation coverage should be purchased when you book, since it protects deposits you've already paid; emergency medical can usually be added any time before departure. Some benefits, like 'cancel for any reason' or waived stability requirements, require buying within days of your first deposit — Lisa flags those deadlines.
Exclusions vary by policy but commonly include known events, undeclared pre-existing conditions, high-risk activities, travel against official advisories and routine cancellations outside covered reasons. This is why reading the policy wording matters — Lisa explains the common exclusions and directs you to the document so there are no surprises at claim time.
Lisa is a travel advisor, not an insurer. She helps you understand and choose appropriate coverage and supports you through a claim, but the insurer and the policy wording determine what is covered. She's transparent about this and points you to the official documents before you decide.
Often especially so. On a cruise or packaged trip, a missed connection, illness or weather disruption can affect the entire booking, and out-of-country medical care can be costly. Lisa explains the coverage options so you can weigh the cost against the risk for your specific trip.
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