GSM Travel Insurance Canada | Group Medical Services | Complete Information About GSM

GMS (Group Medical Services) is a Canadian company that provides various insurance products, including travel insurance. GMS travel insurance offers coverage for Canadian residents traveling outside of their home province or internationally. Here is an overview of GMS travel insurance in Canada:

1. Travel Insurance Coverage Options:
GMS offers different coverage options to suit travelers' needs. This may include emergency medical coverage, trip cancellation and interruption coverage, baggage loss or delay coverage, and accidental death and dismemberment coverage.

2. Emergency Medical Coverage:
GMS travel insurance provides coverage for emergency medical expenses incurred while traveling. This can include coverage for hospitalization, medical treatments, ambulance services, emergency medical evacuation, and repatriation.

3. Trip Cancellation and Interruption Coverage:
GMS offers trip cancellation and interruption coverage, which provides reimbursement for non-refundable expenses if a trip needs to be canceled or cut short due to covered reasons such as illness, injury, or unexpected events like natural disasters.

4. Baggage Loss or Delay Coverage:
Travelers can also benefit from baggage loss or delay coverage, which provides reimbursement for lost, stolen, or damaged baggage. Additionally, it may cover expenses for essential items in case of baggage delay.

5. Accidental Death and Dismemberment Coverage:
GMS travel insurance may include accidental death and dismemberment coverage, providing a lump-sum payment in the event of accidental death or certain permanent injuries suffered during the trip.

6. 24/7 Assistance Services:
GMS offers 24/7 assistance services to travelers, including access to a global network of healthcare providers, assistance with medical emergencies, coordination of medical evacuations, and help with lost documents or travel-related emergencies.

7. Coverage for Pre-existing Medical Conditions:
GMS travel insurance may provide coverage for pre-existing medical conditions under certain conditions. It is important for travelers to review the policy terms and conditions to understand any limitations or exclusions related to pre-existing conditions.

8. Policy Limits and Deductibles:
GMS travel insurance policies may have specific limits and deductibles for different coverage components. Travelers should review the policy details to understand the maximum coverage amounts and any out-of-pocket costs they may be responsible for.

9. Eligibility and Application Process:
GMS travel insurance is typically available to Canadian residents who meet the eligibility criteria. Travelers can apply for coverage online or through authorized insurance brokers, providing necessary information about their travel plans, dates, and any pre-existing medical conditions.

10. Policy Exclusions and Limitations:
Like any insurance policy, GMS travel insurance may have certain exclusions and limitations. Travelers should carefully review the policy documents to understand what is covered and what is not, including any specific exclusions related to high-risk activities, certain medical conditions, or travel to specific regions.

It's important for travelers to thoroughly review the terms and conditions of GMS travel insurance policies to ensure that the coverage meets their specific needs and requirements. Consulting with insurance professionals or contacting GMS directly can provide further guidance and assistance in choosing the right travel insurance coverage.