Policy Maximum (Travel)

The policy maximum is the highest amount your travel medical insurance plan will pay for all eligible emergency medical expenses during a covered trip. This limit represents the maximum liability the insurer assumes and typically ranges from $1 million to $5 million per person, depending on the plan.

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Covered expenses may include hospital stays, physician services, ambulance transport, and medical evacuation. Once the policy maximum is reached, any additional expenses are your responsibility.

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Example:

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If your plan’s policy maximum is $2 million and you incur $2.3 million in emergency medical costs abroad, the plan pays $2 million and you owe $300,000.

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What to Watch For:

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Some plans have different maximums based on age or coverage type. Always confirm currency (CAD or USD) and verify whether evacuation costs count toward the total.