BMO Travel Insurance

You must be a resident of Canada to apply for BMO Travel Insurance.

Depending on the type of coverage you choose, other conditions do apply. For example, you must be covered by a Canadian Government Health Insurance Plan to be eligible for Travel Medical coverage.

For full details, refer to the “Are you Eligible for this coverage?” section of the Certificate of insurance.

Please call BMO Travel Insurance’s administrator, Allianz Global Assistance, toll-free at 1-800-661-9060.

Allianz Global Assistance, BMO Travel Insurance’s administrator, offers a 24-hour assistance hotline. These travel heroes go beyond just medical emergencies and lost or stolen travel documents. Allianz can assist with travel-related hiccups like trip cancellations, lost luggage, or even providing guidance in unfamiliar locations. Basically, they're your 24/7 support system, whether it's finding a local doctor, arranging transportation, or offering valuable pre-trip information.

It is very important that you have easy access to the contact information for Allianz Global Assistance when travelling. When calling for assistance, please have your policy number ready. Please refer to your insurance confirmation for contact information and policy number.

Definitions 

Important note: All insurance coverage is subject to eligibility criteria and benefits are limited in certain situations. For full details, please refer to the Certificate of Insurance or call Allianz Global Assistance toll-free at 1-800-661-9060.

Emergency Medical/Dental Expense - Provides benefits for covered expenses incurred during your trip for the cost of care and supplies needed by a licensed doctor, hospital or dentist if you experience a medical or dental sudden and unforeseen emergency while travelling. This includes x-rays and lab tests; required private duty nursing if necessary; prescription drugs; medical appliances; ambulance services and many other important costs.

Emergency Transportation - Refers to the air and/or ground transportation services required as a result of an injury or illness while you are travelling. If necessary, Allianz Global Assistance can arrange to move you to a more appropriate facility or back home after you have been stabilized. Allianz Global Assistance will pay the expenses up to the maximum level of coverage shown in your policy.

Lost, Stolen or Delayed Baggage - If your checked baggage is delayed or misdirected by a Common Carrier, you can receive reimbursement for the purchase of essential items. If your bags never show up, you can be reimbursed for the lost items. Certain items are not covered and there are limits on the maximum levels of coverage you can receive. For additional information please refer to the Certificate of Insurance.

Trip Cancellation/Trip Interruption - Trip Cancellation provides reimbursement of covered, nonrefundable trip payments or deposits if your trip is cancelled prior to departure for one of the covered reasons. Please refer to the Certificate of Insurance for a complete list. Trip Interruption provides reimbursement for covered expenses resulting from a trip interruption, which occurs after departure.

Covered expenses include transportation and lodging. If your ability to travel is affected by one of the events listed below, and you meet eligibility requirements (refer to the Certificate of Insurance for eligibility requirements) you will be reimbursed. Events include:

• Unforeseen accidents, injuries or death (to you or a family member)
• Fire or flood in your home
• Pregnancy and adoption
• Government advisories
• Job loss

No. There is no deductible on this plan.

Pre-existing medical conditions may be covered as long as they are stable for a specific time period. The time period varies depending on the age of the insured.

Details are listed under the General Exclusions and Limitations of the Certificate of Insurance. 

Trip Cancellation coverage will refund prepaid, nonrefundable payments or deposits if you have to cancel for a specific covered reason. Covered reasons include but are not limited to:

• sudden and unforeseen medical emergencies, that happen to you, your travel companion or someone in your family
• your home is made uninhabitable by fire, flood
• loss of employment
• a new Government of Canada travel advisory is issued to your destination

For a complete list of covered reasons, please refer to the Certificate of Insurance or call Allianz Global Assistance toll-free at 1-800-661-9060.

• Baggage insurance will provide coverage to replace clothing and essential items in the situation where your baggage is delayed by an airline carrier for six (6) hours or longer; or;
• If your personal belongings are lost, damaged or stolen, coverage is available to replace your articles

Baggage insurance is subject to limitations and limits. Please refer to the Certificate of Insurance or call Allianz Global Assistance toll-free at 1-800-661-9060.

Please refer to BMO’s complaint handling process outlined here.

For Allianz related complaints, please refer to the Certificate of Insurance or call Allianz Global Assistance toll-free at 1-800-661-9060.

BMO’s premium credit card suite comes with built-in travel insurance benefits that are included as a feature of the cards at no additional cost to the cardholder.

If you are a premium credit card holder, please refer to your Certificate of Insurance for more details.

The main benefit of standalone travel insurance plans is customization, with various plan options for single or multi-trips such as the Premium plan, emergency medical only, or trip cancellation/interruption only (Trip Protection Plan).

Please call Allianz Global Assistance toll free at 1-800-661-9060 to learn more about all of the BMO Travel Insurance options.

If your coverage includes non-medical benefits (i.e. Trip Cancellation, Trip Interruption, Lost or Delayed Luggage, etc.) you can submit your claim online through our secure Online Claims Portal for easier, faster claim processing. 

Any medical expenses which you’ve paid for out of pocket can also be submitted through the Claims Portal. 

When submitting a claim online, please follow the outlined steps carefully. As part of this process, gather all the necessary documents, which may include original receipts, proof of departure records, and medical reports. Once you have everything ready, submit these documents along with a completed claim form to Allianz Global Assistance. Remember to retain a copy of your submission for your personal records.

If preferred, claims can also be opened by calling Allianz Global Assistance:

• From Canada and the United States call: 1-800-661-9060
• ***From elsewhere call collect: 519-741-0782

***International operator assistance may be required for collect calls, so please confirm how to call collect to Canada from your destination before leaving.

Whenever possible, Allianz Global Assistance will arrange billing directly with the health providers our members visit. However, international borders can sometimes limit the ability for Allianz Global Assistance to do so. It is always a good idea to bring an extra reserve of funds in case any unexpected emergencies occur where advance payment is required. If access to emergency funds is needed to cover these expenses, the Travel Assistance Service, provided by Allianz Global Assistance is there to help.

Allianz Global Assistance asks you to reach them prior to seeking treatment, as it allows Allianz Global Assistance to assess the situation, open a medical case to monitor care, and to help the patient locate a suitable provider in their area. In the case of a life-threatening emergency where a member is unable to reach Allianz Global Assistance, members should seek treatment immediately at the nearest health facility and have a travelling companion or health facility employee contact Allianz Global Assistance on the patient's behalf as soon as possible.

Please call Allianz Global Assistance toll free at 1-800-661-9060.