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. However, it is recommended that you travel with coverage of at least $1,000,000. An example of such existing coverage is the retired teachers plan of Ontario.

It is important to note that 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 under 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. Medipac cautions that this limit may not be enough while travelling, and therefore may not provide the protection necessary in the event of a major accident or illness.

As such, Medipac offers premium credits and benefits to Public Service Health Care Plan members (Federal Superannuates) who purchase coverage from Medipac for the entire duration of their trip, and recommends this option for Federal Superannuates. By purchasing Medipac for the entire duration of the trip, Federal Superannuates are covered from their date of departure to the end of their trip with Medipac’s maximum policy benefit of $2,000,000USD and receive a credit toward their premium, in addition to receiving a 40-day annual plan at no extra cost (which begins on their effective date of insurance).

We are aware that some Federal Superannuates take a chance and only buy Medipac as a top-up. Under these circumstances, normal top-up rules apply. See Top-up above.