Annual Travel Insurance 

Travel with confidence.

Travel is full of unexpected adventures. In an emergency medical situation, however, you may not always know where to turn or be prepared to deal with sudden additional expenses to get you well and get you home. Your provincial health care coverage is limited, even within Canada.

With ENCON’s Annual Travel Insurance Plan, you can travel with confidence, knowing that help is just a phone call away.

Annual Travel Days

 Monthly Rate*
Retiree Only

Monthly Rate*
Retiree & Spouse























* Plus applicable tax
Premium is added to your health care plan premium.


At the time that you are accepted for an ENCON Health and Dental Care Plan, your application for Annual Travel Insurance will also be accepted. This is the only time you will be allowed to enroll in the Annual Travel Insurance Plan.

If you are already insured under an annual travel insurance plan, please indicate on the enrollment form the date your current 12-month plan terminates. Your ENCON Annual Travel Insurance Plan will commence when your current plan ends.

Enrollment is optional. However, if you are enrolling as a couple in the ENCON Health and Dental Care Plans and you would like the Annual Travel Insurance Plan, you must enroll as a couple in that Plan as well.

Annual Travel Plan
Unlimited trips of up to 30, 45, 60, 90, 120, 150 or 180 days during the policy period.

  • $1 million Cdn of coverage per person, per trip
  • Favourable Pre-Existing Condition Limitation – six-month stability period, three months for high blood pressure
  • Benefits for life
  • Top Up Insurance is available with the same carrier

Top Up Insurance

You can contact our travel insurance provider, RSA, to purchase additional coverage for trips that are longer than the days you have selected under your plan. Coverage of up to $5 million Cdn is available, with optional deductible amounts.

Emergency Medical Expenses

Benefit (per trip) Limit
Hospital Accommodation reasonable and customary costs
Physician Charges reasonable and customary costs
Incidental Expenses up to $250
Prescription Drugs 30-day supply per prescription
Diagnostic Services reasonable and customary costs
Private Duty Nurse up to $5,000
Medical Appliances reasonable and customary costs
Paramedical Services $250 per profession
Treatment of Dental Accidents up to $2,000
Ambulance Services reasonable and customary costs
Emergency Air Transportation reasonable and customary costs
Return of Travel Companion one-way airfare
Transportation to Bedside economy round-trip airfare
Meals and Accommodation up to $150 per day, $3,000 per trip
Vehicle Return up to $5,000
Return of Deceased up to $5,000

IMPORTANT: Pre-Existing Medical Conditions

If you have a pre-existing medical condition, it will be covered provided it has remained stable for a period of six months immediately prior to departure.

For high blood pressure conditions only, the stabilization period is three months.

A pre-existing medical condition is considered stable, if there has been:

  • no change in symptoms;
  • no hospitalization;
  • no change in condition;
  • no new medication prescribed; and
  • no prescribed change in treatment or medication.

Worldwide Assistance on Call

After enrollment, you will be issued a personalized travel card with a contact number that you can call to top up your coverage or in the event of a claim. In an emergency situation, one phone call will connect you with an experienced and professional team, who will arrange and monitor treatment, and provide support to the patient and family. When necessary, they will organize evacuation home or to the nearest qualified medical facility.

See Health & Dental Care Plans > How to Enroll for information about enrollment in a Health and Dental Care Plan. Please contact us, if you have any questions about coverage or require assistance completing your enrollment form.

Privacy Statement

By submitting this application you agree that Royal & Sun Alliance Insurance Company of Canada ("we", "us") may collect, use and disclose your Personal Information (including to and from your broker, our affiliates and service providers and organizations that may have referred you to us, and professional associations of which you may be a member) for purposes of quoting a premium, policy administration, improving customer experience, administering referral arrangements, and for other lawful purposes described in our Protecting Customer Privacy document. For a copy of this document please see