Telemedicine
Connect with a licensed doctor — online in Canada or by phone for U.S. travel, depending on your plan. Your deductible doesn’t apply to the consult.
Insurance that works when it’s tested.
Travel medical coverage for Canadians abroad and visitors to Canada — explained in plain language before you buy.
Who’s travelling?
Travellers under 60 — answer below for an instant quote. Travellers 60 or older on trips of more than two days outside your home province — we’ll guide you through a short Medical Questionnaire during the quote.
No signup, no spam — just your price in about two minutes.
$5M Traveller medical
24/7 Emergency Assistance
Built for the day it’s tested
We started Sacraw because too much travel insurance reads great until you need it. So we built around the coverage we’d actually want when it’s tested — and we’re straight about what’s covered before you buy.
Flight-Delay Benefit
On eligible plans, register your flights with MyFlyt; if a flight is delayed 2+ hours, choose a complimentary lounge pass or a cash payout (amount varies).
Evacuation & Repatriation
If local treatment isn’t enough, coverage can move you to an adequate hospital — and bring you home when that’s what’s needed.
$5M
Emergency medical, Canadian Traveller plans
24/7
Worldwide emergency assistance
2 min
Your price online, no signup
Direct
Hospital billing when possible
Super Visa & student‑visa ready · FSRA‑licensed Canadian agency
Available plan options
Coverage built around who you are and where you're going.
Canadian Traveller
For Canadian residents travelling abroad.
- Up to $5M emergency medical
- Trip cancellation & interruption
- Flight-delay benefit (eligible plans)
Visitor to Canada
For visitors, new permanent residents, and returning Canadians.
- Coverage while provincial plan waits
- Pre-existing condition stability options
- Super Visa-compliant policies
Super Visa
For parents & grandparents visiting on a Super Visa.
- $100,000 IRCC-compliant medical
- 1-year term, Super Visa-ready
- Pay-monthly options available
Student
For Canadians studying abroad and international students in Canada.
- Multi-semester coverage terms
- Study-abroad destination advisory
- Telemedicine (online doctor visits)
Seniors & Snowbirds
For 60+ travellers and long-stay snowbirds.
- Coverage tuned for 60+ travellers
- Long-stay & multi-trip terms
- Pre-existing condition stability options
What's Covered
What your plan covers — medical, trip, baggage and more.
Core coverage
Emergency Medical
Up to $5M CAD on eligible Canadian Traveller plans — hospital, doctor and prescription costs while you're travelling abroad.
- Hospital & ICU care
- Ambulance & medical transport
- Emergency dental
- Prescription drugs
- Emergency return home
- 24/7 assistance line
Baggage Loss & Delay
Optional add-on covering lost, stolen, or delayed baggage; limits per policy.
Learn moreTelemedicine
See a licensed doctor online or by phone, depending on your plan. No deductible on the consult.
Learn moreWhy choose Sacraw Financial
Three reasons to choose an agency-led, online-first travel insurance experience.
FSRA-licensed Canadian agency
Sacraw Financial is a licensed Canadian insurance agency, regulated by FSRA. Your policy is issued in Canada — not offshore — and placed by a licensed Canadian agency that explains plainly who underwrites it and who handles your claim.
Quote and buy online in minutes
Get your price in about two minutes — no signup, no spam, no phone call required. Compare plans, customize your coverage, and get your confirmation by email, all online whenever it suits you.
No fine-print surprises
We make sure you understand exactly what's covered before you buy, in plain language. And we're upfront about who does what — your claim is handled and decided by our policy administrator, and we'll point you to the right place if you ever need to file.
How It Works
Getting insured is simple. Three steps.
1
Get a Quote
Tell us where you're going, when, and who's traveling. Takes about 2 minutes.
2
Customize Coverage
Choose a plan that fits your needs. Add or remove coverage options as you like.
3
Travel Protected
You're covered. Enjoy your trip with 24/7 emergency assistance, anywhere in the world.
Frequently Asked Questions
Quick answers to common questions about travel insurance.
Provincial health plans cover little or nothing once you leave the country — and some have stopped covering out-of-country care altogether. Ontario (OHIP), for example, ended its out-of-country travel coverage in 2020, so an emergency abroad comes out of your own pocket without travel insurance. Hospital care in the US can run into the tens of thousands of dollars. Emergency medical insurance covers the gap — up to $5,000,000 CAD on eligible plans.
Yes. Provincial plans don't fully cover you outside your home province. Ambulance, prescriptions, dental emergencies, medical equipment rental, and return of your vehicle are not covered. A Travel Within Canada plan fills these gaps — with no stability requirement for pre-existing conditions.
Yes, as long as your condition is stable. The required stability period varies by plan, your age, and trip length — generally a few months for younger travellers, up to a year for ages 75+. Your exact stability window is set out in the policy wording, so check it before you buy. For travel within Canada, there's no stability requirement at all.
CFAR is an optional add-on to Trip Cancellation & Trip Interruption Insurance. It lets you cancel your trip for almost any reason and be reimbursed up to 50% of your prepaid, non-refundable costs. Purchase-timing and other conditions apply — these are shown during the quote and set out in your policy wording.
On eligible plans, the MyFlyt flight-delay benefit is included at no extra cost. Register your flights in advance at myflyt.ca; if a registered flight is delayed 2 or more hours, you choose a complimentary airport lounge pass or a cash payout (amount varies). Availability varies by plan.
To start a claim, call 1-800-663-0399 or follow the steps on our Claims page. If you're not sure where to begin, email our team at info@sacraw.com and we'll point you to the right place. For medical emergencies, call the 24/7 Assistance line first — the numbers are on your policy confirmation and the Claims page.
