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Is AMA travel insurance worth it in 2024?

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Visiting another country or province without travel insurance can be a costly mistake. Did you know that an overnight stay in a hospital in the United States can be over $14,000 CAD? Some countries might even refuse to help you if you are unable to prepay for treatment.

Travel insurance is therefore an absolute necessity when you are away from home. It guarantees your ability to get and pay for health care, if and when you need it. Beyond medical emergencies, travel insurance also helps with flight issues, lost luggage, and more.

While you look for options, you may want to consider AMA travel insurance. So read our review on AMA travel insurance, its coverage, prices, pros and cons, and more. Also compare with other travel insurances and get free quotes.

Our 2024 review of AMA travel insurance

AMA is a trusted brand as part of the Canadian Automobile Association. Their travel insurance plans offer great customisation and flexibility for a wide-range of travel needs.

Continue below for pros and cons:

Why AMA could be right for you:

• Membership with AMA saves you 10% on travel medical premiums.
• No age limit on some plans
• Membership not required
• Emergency Medical Coverage up to $5 million.

Why AMA may not be right for you:

• Required to be an Alberta resident
• Required to have a Government Health Insurance Plan in one's province to be eligble
• Required medical questionnaires and medical examinations if you are above 60.
• No coverage for extreme sport activities.

Before choosing AMA, a little shopping around can help you to save money and find a coverage that really fits your needs. You could get AMA travel insurance quote using our comparator below, and also get quotes from other providers.

Compare the best travel insurance plans on the market!

What does AMA travel insurance cover?

AMA offers extensive coverage for travel across the globe. The packages are affordable, and come with extra discount for AMA members. Choose between Trip Cancellation, the Non-Medical Package Plan or the comprehensive Premium Package. Plans are available for a single trip or as an annual plan for frequent travellers.

Multi-Trip Annual Plan

This AMA annual travel insurance plan boasts flexible payment options. The Multi-Trip plan provides 365 days of coverage within Canada. For trips out of Canada you can pick plans of 4, 8, 15, 20 or 60 days. Enjoy up to $5 million of emergency medical coverage, $150,000 for travel accidents and $1,500 for baggage loss, damage and delay.

If you'd like to know about AMA travel insurance rock climbing coverage or other adventure sports, it is best to check with an agent as the policy might exclude extreme sports.

AMA single trip travel insurance

AMA offers single trip insurance to provide coverage and protection for individuals during a specific trip. It includes AMA travel cancellation insurance, emergency medical and dental care up to $5,000,000, flight and accident coverage up to $100,000, baggage delay cover, and even coverage for pre-existing conditions (based on policy coverage and premium).

Visitors to Canada Medical Plan

This plan of AMA medical travel insurance allows visitors up to the age of 85 years old to access and pay for health care services while visiting Canada. It covers up to 365 days and up to $150,000 (depending on age and plan).

For more information on AMA travel health insurance, download the PDF below:

It offers $150,000 in emergency medical insurance for visitors to Canada. This also covers for travel interruption benefits.

AMA travel insurance for seniors

AMA does cover seniors. However, it must be noted that prices get expensive with age and medical conditions for individuals aged 60 and above like other providers as Manulife travel insurance .

Seniors may be required to complete Ama travel medical insurance questionnaire and calculate premiums and coverage accordingly. The coverage of pre-existing conditions will also be assessed based on how stable the medical history of the individual is.

Does AMA travel insurance cover covid?

Yes, there is ama travel insurance covid coverage for COVID-19 related emergency medical care. Fully vaccinated travellers are eligible for up to $5 million in coverage, while partialy vaccinated travellers are eigble for up to $2.5 million.

Note that this does not include cruise passangers or visitors to Level 4 government advisories. Cancellation due to Covid-19 is not covered.

Good to know

AMA travel car insurance is something you can consider while traveling given that many Canadians drive into neighbouring USA for long weekends/vacations. AMA rental insurance can be conveniently purchased online at any time prior to picking up the rental car. It offers Vehicle Loss, Damage, and Theft Coverage with a maximum coverage limit of $80,000. It's worth noting that even credit card travel insurance typically provides coverage with a maximum limit of $60,000.

How much does AMA travel insurance cost?

The price of coverage with AMA depends on:

• Your desired coverage and otpions.
• Your deductible.
• Your waiting period.
• Your destination(s).
• The lenght of your trip.

Expert advice

Therefore it will be important to get an individual quote customised for your unique needs. It is to be noted that there is also AMA travel insurance discount for AMA members. Members can save 10% on Travel Medical Insurance, get 24-hour assistance, and other benefits. Refer your policy for complete offers, promo code for AMA travel insurance as they are subject to change.

To help you gain a better understanding, we've gathered quotes for AMA Travel Insurance Calgary resident, who is 30 years old, and traveling to France for three weeks. Note that quotes for AMA Travel Insurance Edmonton resident will also be the same for the traveler of the same age but might vary if the age and coverage required is different.

Before zeroing in on AMA, we advise you shop around! You can quickly and anonymously compare prices from leading travel insurance companies using our free comparison tool below:

How to buy AMA travel insurance?

To buy AMA travel insurance, request a quote and purchase AMA travel packages by:

• Calling - 888-799-1522
• Visiting AMA's website
• Visiting an AMA centre in-person

How to file AMA travel insurance claim?

You can easily file your claim on their website or place a call to AMA travel insurance phone number 800-458-5736 for customer service assistance in filing your claim.

Notify AMA as soon as possible about the incident that requires a claim. You can reach them through their customer service hotline or check their website for specific instructions on initiating a claim.

Request a claim form from AMA or download it from their website. Fill out the form with accurate and detailed information about the incident, including dates, locations, and any supporting documentation or evidence.

AMA will evaluate your claim based on the terms and conditions of your policy. If your claim is approved, you will receive reimbursement or compensation for the eligible expenses covered under your policy.

How do I contact AMA travel insurance?

Travellers can reach AMA travel insurance in an emergency at:

• 1-855-330-8330 (Canada and mainland USA)
• +1-519-988-7039 (Worldwide)

For general inquiries, call the following AMA travel insurance phone number:

• 1-866-989-6595

How do I cancel AMA Travel insurance?

Get in touch with AMA directly to initiate the cancellation process. You can reach them through their customer service hotline 1-866-989-6595 or visit their website.

Clearly communicate your intention to cancel your policy to the AMA customer care. Follow any specific instructions they provide and ask about any documentation or forms that may be required.

Inquire about any applicable refunds or adjustments to premiums based on the cancellation date and terms outlined in your policy. It's important to cancel policy before your trip and before filing a claim to be eligible for refund if any.

Now that you know everything you need to decide if AMA is the right choice for you, you can see how it compares with other travel insurances. Use our comparator below for the same and also get free quotes.

Nishadh Mohammed is a seasoned news editor and financial writer, working with HelloSafe since May 2023. Nishadh has developed expertise in financial markets, insurance, and investment products, with a deep understanding of the Canadian financial landscape. He has honed his SEO skills and content marketing strategies while writing for Canadian publishing houses. Armed with a master's in Business Analytics and extensive journalistic experience, Nishadh uniquely combines data proficiency and thorough research to deliver comprehensive and accessible information.

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• Single-Trip All-Inclusive 2 of 5
• Single-Trip Travel Canada Emergency Medical 3 of 5
• Trip Cancellation & Interruption 4 of 5
• COVID19 Pandemic Travel Plan 5 of 5
• Multi-Trip Emergency Medical 1 of 2
• Multi-Trip All-Inclusive 2 of 2
• Emergency Medical Top-Up 1 of 1
• Emergency Medical Plan 1 of 1
• Canadian Studying in Canada Outside the Home Province 1 of 3
• International Student Studying in Canada 2 of 3
• Canadian Studying Outside Canada 3 of 3

AMA Members Save 10% on Travel Insurance!*

*Excludes COVID-19 Pandemic Travel Plan.

Why is Travel Insurance important?

Travel insurance is important to help protect you, your family or visitors to Canada from costs that can occur due to an unforeseen medical emergency during a trip or an unexpected reason to cancel or interrupt a trip. Without it, travellers may be left to pay significant out of pocket expenses.

Learn More About Our Plans

Travelling canadians.

Manulife Financial Travel Insurance for Travelling Canadians is designed for Canadians travelling out-of-province or outside Canada. It can help protect you against the cost of unexpected emergencies that may occur before or during your trip.

Your government health insurance plan may only cover a fraction of healthcare expenses incurred outside Canada, and may only provide limited coverage if you’re travelling in another province. Illness and accidents are all-too-common occurrences. Without travel insurance, a medical emergency or trip cancellation or trip interruption due to an emergency could be disruptive and leave you facing large unexpected expenses.

Visitors To Canada

Do you have family or friends coming to stay? Do they have health insurance to help protect them while they’re here? Are you visiting Canada and need health insurance while you are away from home?

When Visitors to Canada purchase Manulife Financial Travel Insurance before leaving home they will have coverage during their uninterrupted flight to Canada.

The Student plan offers those who are studying away from home a smart and economical way to help protect themselves against the cost of emergency medical and basic healthcare expenses and more.

Plans are available for full-time:

• International students studying in Canada or
• Canadian students studying outside their home province or outside of Canada.

Family coverage is also available for immediate family members residing with the student.

Platinum Insurance Plan

Aapka bharosa bana stronger 99.35% claim paid ratio.

Gold Insurance Plan

Help their dreams take flight without any financial hassles, our online insurance plans.

Buying insurance plans has never been easier than this. Explore our online plans and enjoy a smooth paperless purchase process, all within a few minutes!

• Security of your loved ones’ future even in your absence
• Tax benefits
• Your premium amount depends on your age and the Life Cover you choose
• You have to pay the premium regularly throughout the policy period
• Life cover with inbuilt Terminal Illness Rider
• Family Cover under health benefit
• 7.5% discount on premiums
• Automatic recharge of Sum Insured

Silver Insurance Plan

• Efficient risk management by professional fund managers
• Better annuity rates due to group effect
• Multiple Annuity options under single and joint life
• Customized options as per scheme rules
• Security – by transferring the liability of your defined pension scheme
• Reliability – protecting employees’ pension post-retirement

INNOVATIONS LABS

Special initiative for startups to build smart insurance solutions

Life Insurance

Life insurance refers to the legally binding contract between a policyholder and an insurance company that provides financial protection to his/her family. The insurer promises to offer the insurance benefit in exchange for regular premiums paid by the life insured.

The ‘financial protection’ under life insurance is provided in the form of life cover, also known as sum assured. It is a pre-agreed amount that is payable in case of an untoward incident with the life insured.

For the life insurance contract to be enforceable, your application must accurately disclose your current and past health conditions. Also, you need to pay a single premium or regular premiums as chosen when buying life insurance.

AMA Global Assistance

DLF City-II, M.G. Road Gurgaon - 122002, Haryana India

AMA Sigrota

DLF City-II, M.G. Road, Gurgaon - 122002, Haryana

Contact & Info

  +90.111.111.1111

 [email protected]

Travel Medical Insurance in Canada

We’re accustomed to buying medical insurance before travelling south of the border. Without coverage, we know that an unexpected visit to a U.S. hospital could end up costing an arm and a leg (figuratively speaking, of course). But what we don’t always appreciate is that situation can play out within Canada too.

Consider this: A young, recently married Alberta couple hitches a trailer to their car and drives to B.C., excited to hike Vancouver Island’s rugged West Coast Trail. Leaving their vehicle in Victoria, they set off along the rugged, 75-kilometre route. Midway, however, the man slips and breaks his leg. Instead of indelible memories and scenic photographs, the couple leaves the trail with a $25,000 air ambulance bill, plus another charge of $2,000 for the return of their vehicle.

Knowing what’s covered—and more importantly, what’s not—is essential before embarking on a getaway beyond Alberta’s borders. Brush up on provincial coverage and follow this checklist when planning a trip outside the province.

To fill the gaps in coverage, be sure to purchase travel medical insurance from AMA Travel*—you’ll avoid out-of-pocket expenses on your out-of-province vacation. Get an online quote or visit an AMA centre to find the coverage that’s right for you.

TRAVEL MEDICAL INSURANCE ESSENTIALS

Always carry your provincial health card.  Hospitals, physicians and some emergency services will request it before administering any care. If you don’t have your valid Alberta Health Care card with you and you require or seek medical care outside of Alberta, you may be asked to pay upfront for services.

What’s covered?  The same basic services covered by your Alberta Health Care Insurance plan—such as doctor’s visits, necessary medical exams and hospitalization—are covered in other provinces. But it’s important to know that there’s also a lot that isn’t covered.

What’s not covered?  Care by non-physician practitioners—including chiropractors, physiotherapists and massage therapists—as well as routine dental services, non-emergency eye care, prescription drugs, ambulances or transport back to Alberta are among the services that are not covered . Remember that services not covered in Alberta won’t be covered in other provinces either. It’s not that hard to imagine being involved in a collision and requiring an air ambulance and having family members flown to your hospital bedside. Without travel medical insurance from AMA Travel, all those costs will be yours.

Reciprocity reigns.  For emergency care and physician services, all provinces (except Quebec) have reciprocal agreements. This lets them bill one another for the care of Canadians travelling outside of their home provinces.

Be mindful of Quebec. Without AMA Travel medical insurance in la belle province , you will have to pay upfront for services and apply to the province for a reimbursement once you’re back in Alberta. It’s best to save yourself a bill for thousands of dollars and unnecessary paperwork by getting travel medical insurance before you leave the province.

Purchase before you leave. AMA Travel medical coverage must be bought before you leave Alberta—you can’t buy a plan when an emergency happens.

Make sure you qualify for coverage.  Certain eligibility requirements, restrictions and stable pre-existing conditions will apply when you seek coverage. Ask about different available plans , such as the Canada Medical Plan for travel outside Alberta but within Canada only. There’s also the Multi-Trip Annual Plan, for frequent travellers who criss-cross Canada and the U.S, which provides 365 days of coverage within Canada and 15, 30 or 60 days per trip outside of the country, as many times as you want throughout the year. If you’re travelling outside of Canada and are age 55 or older, you’ll be asked to complete a medical questionnaire to help determine eligibility and coverage. Speak with an AMA counsellor for more details.

Honesty is the best policy.  Always complete the questionnaire correctly. We know insurance forms can be confusing, so take the guesswork out by following our questionnaire tips .

*AMA Travel Insurance is underwritten by Orion Travel Insurance Company.  Certain exclusions, limitations and restrictions apply. Subject to certain terms, conditions and limitations.