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Travel Medical and Emergency Insurance for small businesses in Canada

Posted by K. F. on April 16, 2015

Do you own a small business in Canada and travel for work or pleasure? Have you ever had an accident at home?  

Here's how to protect yourself, your family, and your business from tragic events. 

Emergency Medical Insurance Benefits

  • Ambulance
  • Semi-private hospital
  • Coverage up to and including age 69
  • Accidental dental
  • Home Care Nursing
  • Convalescent Home Care
  • Mobility Assistive Devices
  • No deductible

Travel Medical Insurance Benefits

  • Coverage per trip of up to 45 days
  • Up to $2,000,000 of coverage
  • Coverage up to and including age 69
  • Single and Family coverage
  • No deductible

Travel Medical Insurance

Protect yourself everywhere you go

Most Canadians travel outside their home province for work or pleasure.  Perhaps they leave their Ontario home and head to Florida for a 2 week family vacation.  Maybe the Alberta resident travels to BC for a round of golf and a short business trip.  The fact of the matter is that we all need travel medical insurance when we leave our home province - even when travelling within in Canada.


  • Provides coverage for out of province / country emergency medical and accident events
  • $2,000,000 coverage limit per family member 
  • No pre-existing medical condition limitation up to and including age 64
  • 45 day multi trip global coverage 
  • 7/24/365 coverage 

This insurance provides total peace of mind for vacation travel and business travel. Coverage is for the employee and extends to their immediate dependents - spouse and children. Dependents can travel independently of the employee. No medical evidence is required. There is a 90 day pre-existing condition clause from age 65 to 69. A wallet card is provided and can be accessed on demand anywhere there is internet access.

This insurance is a simple and cost effective way to know you and your family are insured no matter when you travel or how often.

Emergency Medical Insurance

Prepare for life's unexpected emergencies

As Canadians, we receive pretty good health coverage.  If we break a leg while skiing, separate our shoulder in a fall, or find our hip is causing us pain, we can receive care and some of our expenses can be covered.  Unfortunately, there are gaps in the coverage that can be onerous for individuals without insurance.

While at home or anywhere in Canada, Olympia has you covered for those unplanned events. Coverage extends to the whole family for the following emergency events:

  • Ground ambulance - $5,000
  • Ambulatory devices - $5,000
  • Accidental dental - $5,000
  • Semi-private hospital - $5,000
  • Private duty nursing - $10,000
  • Convalescence care - $10,000

Coverage limits are per family member. 


Here's an example of an accident and how this plan would work to protect you.  Let's say you are at home on a ladder replacing a light in the ceiling.  You slip and fall to the ground.  You knock out a tooth and hurt your hip on the landing.  It's pretty severe and your spouse calls an ambulance.  After a couple of days in a semi private room at the hospital, you check out with a pair of crutches.  Your injury is quite severe and as your spouse works full time, you require medical assistance at your home. 

Emergency Medical Insurance can help cover the cost of these types of expenses that are not covered by your provincial plan.