TRAVEL INSURANCE
Your provincial health card doesn’t follow you everywhere. The moment you cross a border, or sometimes even a provincial line, OHIP stops covering most of your medical costs. That gap is exactly what travel insurance closes.
At Santo Financial Corp, we help people across Brantford and the surrounding area find travel insurance that actually matches their trip, whether you’re heading south for the winter, flying overseas for business, sending a child to study abroad, or bringing a parent to Canada on a Super Visa. We compare plans from trusted Canadian insurers so you get real coverage at a fair price, not a one-size-fits-all policy you don’t understand.
What Our Travel Insurance Covers
Who Needs Travel Insurance
You need travel insurance if you fall into any of these groups:
- Snowbirds and retirees heading to the U.S. or overseas for extended stays
- Business travellers who need coverage for short or frequent trips
- International students studying in Canada or Canadians studying abroad
- Parents and grandparents visiting on a Super Visa
- Families planning a vacation who want protection against the unexpected
If you’re travelling outside your home province or country and you don’t have private coverage, you’re exposed to costs your provincial health plan won’t touch.
Why People Choose Santo Financial Corp?
Does OHIP cover me when I travel outside Ontario?
No. OHIP provides very limited coverage outside Ontario and almost none outside Canada. Private travel insurance covers the gap, including emergency hospital stays and medical transportation.
What is Super Visa insurance, and do I need it?
If you’re bringing a parent or grandparent to Canada on a Super Visa, Immigration, Refugees and Citizenship Canada requires proof of Canadian medical insurance with at least $100,000 in coverage, valid for at least one year. We help you find a plan that meets this requirement.
Can I buy travel insurance if I'm a senior?
Yes. We offer plans for travellers of all ages, including seniors, though some plans may ask a few health questions to confirm the right coverage for you.
Does my credit card's travel insurance cover me?
Usually only partially. Credit card travel insurance often has stricter limits and exclusions than a standalone policy. We can help you check what your card actually covers before you rely on it.
How quickly can I get a policy?
Once we understand your trip and coverage needs, we can typically issue a policy quickly, often the same day.
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