Travel Insurance,
thoughtfully arranged
Out-of-country coverage, visitors to Canada, Super Visa, snowbird, and student travel insurance. Independent advice ensuring you travel with confidence.
Travel anywhere in the world, with the certainty that you are covered.
What is travel insurance?
Travel insurance protects you from the financial consequences of medical emergencies, trip disruptions, and other unforeseen events when you are away from home. While provincial health plans like OHIP provide coverage within Canada, they offer minimal protection once you cross the border.
For Canadians traveling to the United States, Europe, or elsewhere, a single emergency room visit can cost thousands of dollars — costs that provincial plans will not cover. Travel insurance ensures that a medical emergency does not become a financial catastrophe.
Beyond coverage for Canadians traveling abroad, this category includes insurance for visitors to Canada — parents, grandparents, and relatives who need health coverage during their stay. Michael Mlotek has over 25 years of experience helping families in Toronto and across Ontario navigate travel insurance options, including the specific requirements for Super Visa applications.
Quick Reference
Solutions for every situation
Out-of-Country Travel Insurance
Emergency medical coverage for Canadians traveling abroad — single trip or annual plans.
Learn MoreIIVisitors to Canada Insurance
Health coverage for parents, relatives, and friends visiting from abroad.
Learn MoreIIISuper Visa Insurance
IRCC-compliant coverage for parents and grandparents visiting on Super Visas.
Learn MoreIVSnowbird Insurance
Extended-stay coverage for Canadians wintering in warmer destinations.
Learn MoreVStudent Travel Insurance
Coverage for students studying abroad or international students in Canada.
Learn MoreIs this right for you?
Vacationers heading abroad
Travelers needing emergency medical coverage outside of Canada.
Families sponsoring visitors
Canadian residents bringing parents or relatives to visit from overseas.
Super Visa applicants
Those sponsoring parents or grandparents who need IRCC-compliant insurance.
Snowbirds heading south
Retirees spending extended winters in Florida, Arizona, or Mexico.
Students studying abroad
Canadian students on exchange programs or international studies.
International students in Canada
Those studying at Canadian universities who need local health coverage.
Why work with MM Insurance?
Independent
Multiple carriers compared, not one offered.
Experienced
25+ years, thousands of policies placed.
Plain Language
Insurance translated into clarity.
Always Available
Direct line to your advisor.
Protecting travelers and their families across Ontario since 1999.
Frequently asked
Provincial health plans like OHIP provide very limited coverage outside of Canada — typically just a small fraction of actual medical costs. A single hospital visit in the United States can cost tens of thousands of dollars. Travel insurance covers these emergency medical expenses.
Immigration, Refugees and Citizenship Canada (IRCC) requires Super Visa applicants to have a minimum of $100,000 in coverage from a Canadian insurance company, valid for at least one year, covering health care, hospitalization, and repatriation. Michael ensures your policy meets all requirements.
Most travel policies require pre-existing conditions to be stable for a certain period (often 90-180 days) before departure. If conditions are not stable, coverage may be excluded or declined. Some plans offer coverage for pre-existing conditions at higher premiums. Full disclosure is essential.
Single-trip policies cover one specific journey. Annual (multi-trip) policies cover unlimited trips within a year, typically with a maximum trip length of 30-60 days each. Frequent travelers often find annual plans more economical.
Emergency medical coverage and trip cancellation/interruption are separate coverages. Many comprehensive plans include both, but some offer medical-only policies. Michael helps you understand what each plan includes.
Extended-stay policies can cover trips from 90 days to over a year, depending on the plan. Longer trips typically require more detailed medical underwriting. Ontario residents must also maintain their provincial health coverage by not exceeding absence limits.
Yes. Many carriers offer coverage for travelers well into their 80s and beyond. Premiums increase with age, and medical questionnaires become more detailed, but coverage is generally available for healthy seniors.
Contact your insurance company's 24/7 emergency assistance line immediately. They will coordinate with local medical providers, authorize treatment, and arrange payment or reimbursement. Keep your policy documents accessible while traveling.
Let's discuss your travel insurance options.
Reach out for a private consultation — no obligation.