Overseas health incidents can lead to immense expenses.
Discover how much local medical services cost without coverage.
Sudden illness hospital care
Critical care following accidents
Emergency flight homeward
Required medications, imaging, and labs
Real Cases. Real Costs. Real Consequences.
Below cases are actual medical claims experienced by travellers — with real destinations, real emergencies, and real financial impact.
Canadians travelling abroad
Heart Attack in Florida
An 68-year-old traveler suffered a sudden myocardial infarction while vacationing in Orlando. Immediate stabilization and surgery were required.
Medical Response
- Emergency surgery
- 4 days ICU admission
- Cardiac rehabilitation
- Medical escort home
Cost Breakdown
- Hospital stay: $82,000
- Surgical fees: $45,000
- Medevac transfer: $22,000
Total Cost: $149,000
Fractured Hip in Spain
A stumble during a walking tour in Madrid resulted in a severe hip fracture requiring orthopedic intervention and extended recovery.
Medical Response
- Local ambulance
- Open reduction surgery
- 2 weeks post-op care
- Physiotherapy
Cost Breakdown
- Emergency ER: $12,500
- Hardware & Surgery: $28,000
- Repatriation flight: $8,000
Total Cost: $48,500
Canadians travelling within Canada
Ski Accident in BC
An Ontario resident suffered a spinal injury while skiing in Whistler. Provincial health only covered basic care, leaving gap expenses.
Medical Response
- Mountain rescue
- Air ambulance to Vancouver
- Specialized nursing
- Home care equipment
Cost Breakdown
- Air transport: $15,000
- Nursing gap: $4,500
- Family travel: $3,200
Total Cost: $22,700
Appendicitis in Quebec
While on a road trip, a traveler required emergency appendectomy. Out-of-province billing limits resulted in significant personal costs.
Medical Response
- Emergency surgery
- 2-day hospital stay
- Prescription medications
- Travel delay coverage
Cost Breakdown
- Surgical balance: $3,800
- Pharmacy: $450
- Accommodations: $1,200
Total Cost: $5,450
International students in Canada
Severe Infection in Toronto
A student from Berlin developed a life-threatening systemic infection requiring aggressive antibiotic therapy and isolation.
Medical Response
- Isolation ward stay
- Specialist consultations
- Diagnostic imaging
- Extended lab work
Cost Breakdown
- Diagnostic suite: $9,200
- Hospital room: $18,400
- Specialists: $5,100
Total Cost: $32,700
Sports Injury in Halifax
While participating in intramural soccer, a student suffered a complex knee ligament tear requiring private surgical repair.
Medical Response
- MRI scan
- Reconstructive surgery
- Bracing and orthotics
- Post-op physical therapy
Cost Breakdown
- MRI & Imaging: $2,800
- Surgical facility: $12,500
- Rehab: $3,400
Total Cost: $18,700
Visitors to Canada
Pneumonia in Vancouver
A visitor from Australia contracted severe respiratory distress shortly after arrival, leading to a prolonged hospital stay.
Medical Response
- Continuous oxygen
- Respiratory therapy
- Inpatient medication
- Follow-up monitoring
Cost Breakdown
- ICU fees: $12,000
- Hospitalization: $24,000
- Testing: $6,500
Total Cost: $42,500
Traffic Accident in Calgary
A relative visiting from overseas was involved in a multi-vehicle collision resulting in multiple fractures and trauma.
Medical Response
- Emergency stabilization
- Surgical bone repair
- 24/7 bedside nursing
- Future care planning
Cost Breakdown
- Trauma unit: $41,000
- O.R. duration: $22,000
- Nursing care: $15,000
Total Cost: $78,000
What These Cases Actually Show
Medical emergencies don’t announce themselves.
They happen during ordinary moments — when you least expect them.
The cost is rarely small.
Serious incidents can exceed your entire trip cost many times over.
Preparation changes everything.
The right coverage turns uncertainty into immediate, professional support.
Total Unpredictability
Most emergencies happen during low-risk, everyday travel activities.
Cost Transparency
The average acute surgery abroad costs more than most savings accounts allow.
Proactive Security
Expert coordination is the bridge between a crisis and a safe return home.
Who This Protection Is Designed For
Global Adventurers
Canadians traveling globally for vacations, exploration, or short escapes.
Seasonal Relocators
Canadians spending winters abroad or moving seasonally across borders.
Academic Scholars
International students studying in Canada or Canadians learning overseas.
Visiting Families
Tourists and family members visiting Canada from any international destination.
Comprehensive Security for Every Voyager
Exceptional medical coverage that spans across borders.
Reliable support when and where you need it most.
Hospital Care & Urgency
Inpatient stays and ER visits.
Medevac Solutions
Professional air lifting coordination.
Prescriptions & Recovery
Essential meds and checking up costs.
24/7 Global Help
Immediate expert facilitation globally.
Holiday Escapes
Work Travel
Family Visits
Seasonal Relocate
A
Pick your coverage
Select the plan that matches your timeline and regions.
How Your Protection Plan Works
Build well. Live well. Stay protected—every step of the way.
B
Request assistance
Notify our specialists to manage your hospital admission.
C
Finalize the claim
Upload medical invoices online for professional repayment.