Travel & Specialty Insurance
Go somewhere. We'll help prepare you for the unexpected.
Travel is supposed to be about where you’re going, not what could go wrong along the way. But unexpected medical costs, cancelled plans, lost luggage, or a change in circumstances can turn a great trip into a stressful one.
Garriock Insurance can help you find travel and specialty coverage that fits your plans, whether you’re taking a quick vacation, visiting family, spending the winter somewhere warmer, or planning an extended stay. We’ll help you understand what’s covered, what isn’t, and what protection makes sense for your trip.
So you can leave home with one less thing to worry about.
Emergency Medical Travel Insurance
Medical Protection
Covers unexpected medical emergencies while travelling outside your home province or country, including hospital stays, doctor visits, and emergency transportation.
Snowbird Insurance
Extended Travel
Designed for Canadians spending extended time in warmer destinations, offering long-term medical coverage and travel protection.
Trip Cancellation / Interruption
Trip Protection
Reimburses prepaid travel expenses if your trip is cancelled or cut short due to unforeseen circumstances like illness, weather, or emergencies.
Student Travel Insurance
Student Coverage
Protects students studying or travelling abroad with coverage for medical needs, emergencies, and unexpected interruptions.
Visitor to Canada Insurance
Visitor Coverage
Provides medical coverage for friends and family visiting Canada, ensuring they are protected during their stay in Winnipeg and across the country.
Let's Get
You Covered.
Whether you know exactly what you need or would rather talk it through with a broker, we’re here to help.
FAQ: Travel & Specialty
Emergency Medical Travel Insurance
What is emergency medical travel insurance?
Emergency medical travel insurance helps cover eligible emergency medical expenses if you become unexpectedly ill or injured while travelling outside your home province or country. Coverage may include hospital stays, physician services, ambulance transportation, prescription medications, and emergency medical evacuation, depending on your policy.
Do I need travel medical insurance if I have provincial health coverage?
Provincial health plans may provide limited coverage for emergency medical expenses incurred outside your home province or outside Canada. Travel medical insurance can help protect you from potentially significant out-of-pocket costs that may not be covered.
Does emergency medical travel insurance cover pre-existing medical conditions?
Coverage for pre-existing medical conditions depends on the policy and whether the condition meets any required stability period before your trip. Your insurance broker can help you understand the eligibility requirements before you travel.
When should I purchase travel medical insurance?
It’s best to purchase travel insurance as soon as your trip is booked. Buying coverage early helps ensure you’re protected before you leave and may provide access to additional benefits depending on the policy.
Trip Cancellation & Trip Interruption Insurance
What is trip cancellation insurance?
Trip cancellation insurance may reimburse eligible prepaid, non-refundable travel expenses if you need to cancel your trip for a covered reason before your departure.
What is trip interruption insurance?
Trip interruption insurance helps cover eligible expenses if your trip is unexpectedly cut short or disrupted because of a covered event, such as a medical emergency, severe weather, or the illness of a close family member.
What reasons are typically covered for trip cancellation?
Covered reasons vary by policy but commonly include unexpected illness or injury, certain family emergencies, severe weather, or other unforeseen events identified in your policy.
Can I buy trip cancellation insurance after booking my vacation?
Yes. In most cases, you can purchase trip cancellation insurance after booking your trip, although buying coverage early may provide the greatest protection.
Visitors to Canada Insurance
What is Visitor to Canada insurance?
Visitor to Canada insurance provides emergency medical coverage for visitors travelling to Canada. It can help cover eligible hospital stays, physician services, emergency medical treatment, and other healthcare expenses during their visit.
Who should purchase Visitor to Canada insurance?
Visitor to Canada insurance is recommended for tourists, visiting family members, parents and grandparents, international visitors, and others who may not be covered under a Canadian provincial health plan.
Is Visitor to Canada insurance required?
While it isn’t required for every visitor, many travellers choose coverage because emergency medical care can be expensive without insurance. Some immigration programs may also require proof of insurance.
Does Visitor to Canada insurance begin immediately?
Coverage begins on the effective date shown on the policy, provided the premium has been paid and all eligibility requirements have been met.
Snowbird Insurance
What is Snowbird insurance?
Snowbird insurance is travel medical insurance designed for Canadians who spend extended periods of time outside the country, particularly during the winter months.
How is Snowbird insurance different from regular travel insurance?
Snowbird policies are generally designed for longer trips and may include options for extended travel periods, higher coverage limits, and coverage tailored to the needs of long-term travellers.
Can I extend my Snowbird insurance if I stay longer?
Many insurers allow policy extensions if certain conditions are met and the request is made before your coverage expires. Your broker can explain the options available through your insurer.
Does Snowbird insurance cover emergency medical care in the United States?
Most Snowbird policies include emergency medical coverage while travelling in the United States, subject to the policy’s terms, exclusions, and eligibility requirements.
Student Travel Insurance
What is student travel insurance?
Student travel insurance provides coverage for students studying outside their home province or country. Depending on the policy, it may include emergency medical coverage, trip interruption, and other travel-related benefits.
Who should purchase student travel insurance?
Student travel insurance is ideal for students attending school abroad, participating in exchange programs, internships, or extended educational travel.
Does student travel insurance cover emergency medical treatment?
Yes. Most student travel insurance policies include emergency medical coverage for eligible illnesses and injuries that occur while studying away from home.
How long does student travel insurance last?
Coverage is available for a variety of travel durations depending on the insurer and the length of the student’s educational program.
General Travel Insurance
Do I need travel insurance for every trip?
Whether you’re travelling within Canada or internationally, travel insurance can provide valuable financial protection against unexpected medical emergencies, trip disruptions, and other unforeseen events.
How much does travel insurance cost?
Travel insurance premiums vary based on factors such as your age, destination, trip length, medical history, and the type of coverage you choose.
Can I customize my travel insurance coverage?
Yes. Many travel insurance policies allow you to combine emergency medical coverage with trip cancellation, trip interruption, baggage protection, and other optional coverages to suit your travel plans.
Why choose Garriock Insurance for travel insurance?
Garriock Insurance works with trusted travel insurance providers to help you find coverage that fits your destination, travel plans, and budget. Our brokers can explain your options, answer your questions, and help you travel with confidence knowing you have the right protection in place.
Coverage varies by policy and operation. Contact us for specifics