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Medical Insurance For Canadians
Traveling Out of Canada For An Extended Period of Time

Expatriate health insurance is health insurance specifically designed to cover unexpected medical expenses for individuals who are traveling outside of their home country for extended periods of time. There are expatriate plans available for people going to and from most countries, and for citizens of most countries. 

If you are a Canadian citizen who will be out of Canada for an extended trip, whether for work, recreation, or other reasons, it is important that you understand the potential financial risks relating to your health insurance. Canadians enjoy a government sponsored healthcare system that is guided by federal legislation, but administered by the provinces. This provincial healthcare plan differs somewhat from province to province. 

When you travel out of your home province or out of the country, your provincial healthcare plan will usually cover you for most medical expenses you may incur up to the cost they would have paid if you were in your home province. Of course, in many foreign countries a medical crisis might cost much more than it would in your home province, and if so, you will be liable for that extra cost. For this reason you should always buy Travel Insurance when you leave the country. Regular Travel Insurance is intended to cover certain costs incurred as a result of a sudden and unexpected accident or illness over and above the costs that can be recovered from your provincial plan. For this reason, regular Travel Insurance is only in force if you ARE covered by your provincial healthcare plan. If, for any reason, your provincial plan is canceled or suspended, regular Travel Insurance is no longer effective.

If you are traveling out of the country for more than a certain number of days in any 365 day period, your provincial plan may be canceled or suspended. The maximum number of days differs from province to province. There may be a provision under some circumstances for an extension to your coverage while out of the country, so you should always check with your provincial plan administration office if you are leaving the country for any extended trip. If your provincial plan is suspended, any regular Travel Insurance that you have as an individual plan or with a group plan will be out of force and you could be exposed to an enormous risk.

After discussing your needs with your provincial plan administration office, you may conclude that you need Expatriate Health Insurance. This coverage is specifically designed for individuals who have had their provincial plan suspended or canceled.

In this section we will show you exactly what an Expatriate Plan will cover. If you purchase a good plan, the coverage is fairly comprehensive. However, generally speaking, they do not cover pre-existing conditions and may not provide coverage in some other circumstances such as engaging in professional or dangerous sports, acts of war, etc. Certain plans may or may not cover pregancy and issues relating to pregnancy. The complete policy wording of one of these plans is available here and we highly advise you to read it in its entirety before making a decision and a purchase. If you need further help, please contact us using the contact information below.

There are very few companies in Canada or around the world that are offering Expatriate Health Insurance at a reasonable price. We have found that one company in Canada stands out far above the rest with a superior product, an excellent price, and very good service. This company has designed products specifically and only for Canadians. Although it is not our general policy to focus on only one company's products, in this case, we could find no other company that so competently filled the needs of travelers as does E.T.F.S. (Expert Travel Financial Security). Therefore, we have decided to offer you the actual Brochure, Policy Wording, Price List, and Application Form from E.T.F.S. here. You can read these documents here, or download them to your computer for later use.

This Expatriate Health Plan can be purchased for 6, 9, or 12 months and must be fully paid for at the time of purchase. These documents will allow you to gain a full understanding of the product and clearly see the price. If you are paying by credit card, you can purchase it online through this website. If you wish to pay by some other method, please contact us before completing the application.

If after reading this material you find this product does not fully meet your requirements, please contact us with specific information and we will try to help you find what you need. There are plans from other companies that are more comprehensive, but they are usually much more expensive, and are designed mainly for people who will be working out of the country, are looking for Long Term Disability Coverage, and whose company will be paying for the cost of the insurance. If this is your situation, contact us for personal service.

The product shown here called the Viator Individual Expatriate Health Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada, one of Canada's largest and most respected insurance companies.

The E.T.F.S. Canadian Viator Individual Expatriate Health Insurance

You will need Adobe Acrobat Reader to view all of the documents on this website. Click here to download the latest version.
Click here to contact a Qualified Consultant for help, or use the phone and fax numbers listed below

Purchasing This Product

Purchasing this product is very easy. The application is simple to fill out, and there are no medical questions.

  1. Click Here - to open the application.

  2. Print the blank application form.

  3. Fill in the information required. Include an EMAIL ADDRESS where we can send you confirmation that your application was received and processed. Be sure to date and sign the application and include credit card information. Your signature is required in TWO places - one for the personal information and one for the credit card to be signed by the credit card holder.

  4. Fax the application toll-free to 1-877-962-3444 if you are faxing from within Canada or the continental U.S., (1-902-462-3444 from outside that area), or scan the application after it is properly signed and email it as an attachment to mfm1@michaelfmurphy.com.

  5. You are purchasing the product from Expert Travel Financial Services through Michael F. Murphy Financial Consulting whose head office is at 20 Lakeridge Crescent, Dartmouth, NS B2V 2V2.

  6. Retain a copy for your records.

We will acknowledge receipt of your application by email, process it (in most cases within 24 hours) and send you a Policy Number and a copy of the Policy Confirmation Page by email within a few days. Your policy will then be mailed to you through Canada Post.

Your original policy and a Health Card with phone numbers for claims assistance around the world will be sent out to the "mailing address" that you indicate on the application.

Michael F. Murphy Financial Consulting

  • Toll Free Phone (Canada & U.S.): 1-877-962-0224

  • Toll Free Fax (Canada & U.S.): 1-877-962-3444

  • Phone from Outside Canada & U.S.: 1-902-462-0224

  • Fax from Outside Canada & U.S.:1-902-462-3444

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