I have other insurance coverage. Can I combine and/or top up my coverage with the Medipac Plan and what should I consider?

Medipac has several options for clients who have other insurance coverage and are looking to increase their policy limit and/or lengthen their trip.


If you have other out-of-country insurance coverage with a policy limit of at least $500,000 for a specific number of days and wish to purchase Medipac coverage to lengthen your days of travel, you can purchase additional coverage from Medipac to take effect at the end of your existing insurance. This is known as top-up coverage.

It is important to note that while you can purchase top-up coverage when you have an existing policy with a $500,000 limit, it is recommended that you only top up a policy with coverage of at least $1,000,000. An example of such existing coverage is the retired teachers plan of Ontario.

For all top-up plans, the eligibility, rate category and pre-existing requirements apply prior to your effective date of Insurance. Therefore, if you have a change in health after your date of travel and prior to your Medipac policy coming into effect, your coverage will be limited and/or possibly VOID. This means that if you seek attention prior to your Medipac policy coming into effect and you are hospitalized on your Medipac effective date, you may not have coverage under your Medipac Plan or your other insurance plan. For this reason, we recommend that you purchase insurance with Medipac for the entire duration of you trip.

Lifetime Maximum Coverage: If you have other insurance coverage with a lifetime maximum limit, you may choose to use a portion of your benefit to reduce your premium by selecting a high deductible and seeking reimbursement from your other insurer. You will be required to pay your deductible to Medipac upfront at the time of a claim. Therefore, it is important for you to understand what your other insurance covers.

Co-insurance: If you have out-of-country insurance with a co-insurance feature, Medipac may be able to provide you with premium savings through our co-insurance program. Call 1-888-633-4722 or 416-441-7070 to request a co-insurance application as well as a regular application.

Federal Superannuates:

Most retired federal civil servants, military personnel and retired RCMP officers participate in the Public Service Health Care Plan, which provides out-of-country insurance coverage with a policy maximum of up to $500,000 CAD for 40 days.

For those who are travelling for more than 40 days, Medipac offers a Federal Superannuate premium credit to Public Service Health Care Plan members (Federal Superannuates) who purchase coverage from Medipac for the entire duration of their trip. This purchase option will increase the Federal Superannuate coverage limit from $500,000 CAD to $2,000,000 USD for the first 40 days.

We are aware that some Federal Superannuates choose to buy Medipac as a top-up and have Medipac’s coverage start on the 41st day of their trip. Under these circumstances, normal top-up rules apply. Medipac cautions that the $500,000 CAD policy limit for the first 40 days may not be enough, and therefore may not provide the protection necessary in the event of a major accident or illness.

By purchasing Medipac for the entire duration of your trip and applying the Federal Superannuate premium credit, you are covered from your date of departure to your date of return with Medipac’s maximum policy benefit of $2,000,000 USD. In addition, you will receive a 40-day annual plan (which begins on your effective date of insurance) at no extra cost.