AMA Travel Insurance Review 2023
AMA offers four travel insurance plans for trips outside of Canada: The Premium Medical Package, the Medical Plan, the Non-Medical Premium Package and standalone Trip Cancellation and Trip Interruption Insurance.
Premium Medical Package (medical and travel coverage): This is the most comprehensive plan offered by AMA, which includes coverage for unforeseen medical emergencies, trip cancellation and interruption, travel accident and baggage loss, damage and delay.
Emergency medical treatment includes:
- Hospital accommodation up to a semi-private room
- Physicians’ fees
- Laboratory tests and X-rays
- Private duty nursing
- Ground ambulance service
- Prescription drugs
- Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair
- Treatment by a chiropodist, chiropractor, osteopath, physiotherapist or podiatrist
- Emergency dental treatment due to a blow to the face)
- Emergency dental treatment due to illness, excluding roots canals or damage to dentures (maximum $500)
- Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours (up to $50 per day to a maximum of $2,000)
Medical Plan: If you’re only worried about medical emergencies while travelling, this plan offers all of the medical coverage options of the Premium Medical Package plan and includes hospital accommodations, physician fees, lab tests, private nurses and ambulance services.
Non-Medical Premium Package: If you have medical coverage elsewhere, the Non-Medical Premium Package plan covers trip cancellation insurance, trip interruption, misconnection & delay insurance, baggage insurance and flight & travel accident insurance. You can also add Cancel for Any Other Reason insurance.
Trip Cancellation and Trip Interruption: This coverage provides reimbursement if you need to cancel your trip before departure, as well as expenses such as hotels, meals and taxi fares due to an unexpected trip delay. You can also add Cancel for Any Other Reason insurance.
There’s also an option for Family Coverage that covers you, your spouse and child(ren) if you’re travelling together. AMA Travel takes the age of the oldest person on the plan, calculates their premium and then multiplies it by 2.25. Family coverage usually offers better savings if the oldest person in the family is under age 60 and does not have any medical conditions, such as diabetes.
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