CWCC

LIVING BENEFITS

Travel insurance

Emergency medical coverage outside your home province, for Canadians going abroad and for visitors coming here. A provincial plan pays little or nothing beyond the border, and a hospital abroad bills the patient directly.

What decides a travel claim

  • Single trip and multi trip cover different shapes of travelA single trip policy runs from one departure to one return. A multi trip policy covers repeated departures across a year, with a cap on how long any one trip can last.
  • Stability before departure is the test for a known conditionA condition already diagnosed is measured against a stability period written into the contract: no change in treatment, medication or symptoms for a set number of months before you leave. A change inside that window can move the condition outside the coverage.
  • Emergency is defined in the contract, and cancellation sits apartThe medical side pays for care that is sudden and unexpected, not for treatment arranged before departure. Trip cancellation and interruption is a separate coverage with its own list of reasons that set it going.

Send this to a licensed advisor

Three questions

Your answers travel with the enquiry so the first conversation starts further along.

Send this to a licensed advisor

So we can confirm the appointment.

An advisor has to be licensed where you live.

Optional.

One more question
Are you a Financial Security Advisor or a life insurance agent?

Either answer is welcome. A conversation with a fellow licensed professional is arranged separately from a conversation about your own coverage.

Privacy notice (Law 25 / PIPEDA)

Information submitted through this form is used solely to respond to your enquiry. It is not sold and is shared only as described in our Privacy Policy. Privacy Officer: Mona Haddad, compliance@cwcc.ca, 514-875-9444.

In plain language: what you write here is used to answer you, nothing more.

A simple check to keep automated spam out, not a tracking tool.

A licensed advisor replies within one business day. Nothing is owed, and nothing is sold on this page.

No price appears on this page, and none is sent by email. What a contract costs depends on the person and the design, and no honest figure can be produced from three answers.

Jose Salloum, Financial Security Advisor

The cornerstone guide

Start here: the whole strategy in one page

What it is, how it works in Canada, what it costs, what it risks, how long it takes and who it does not suit.

Read the guide

Other products

A thirty-minute discovery meeting

A first conversation establishes whether this fits. No illustration is prepared and nothing is arranged.

Often the answer is no, and you will hear it during the call rather than in a proposal afterwards.

So we can confirm the appointment. An advisor has to be licensed where you live.
Are you a licensed insurance or financial professional?
Meetings with fellow licensed professionals are arranged separately. Either answer is welcome.

You are writing to Canadian Wealth Creation Centre Inc., Laval, Quebec. We reply to the email address you give above, usually within one business day, to arrange a time. This arranges a conversation. It is not advice and nothing is being sold here.

We do not sell or share your address. Consent is required by the Canadian Anti-Spam Legislation and is never assumed.

About the author

Jose Salloum, Financial Security Advisor

Jose Salloum is a Financial Security Advisor (Conseiller en sécurité financière) licensed by the Autorité des marchés financiers in Quebec, by the Financial Services Regulatory Authority of Ontario, and by the Insurance Council of British Columbia. Licensed since 2001, he works with Canadian families, business owners and incorporated professionals.

He is the founder of Canadian Wealth Creation Centre Inc. (CWCC), registered with the AMF, and of its educational branch IBCFinancial.com. He holds the Infinite Banking Concepts® Authorized Practitioner certification from the Nelson Nash Institute, a private certification rather than a regulatory licence.

CWCC is not registered with CIRO and does not provide securities advice. This page is general education and not advice on any individual file.

Read the full biography

Important disclosures

  1. This page is education, not advice. The content is general information prepared by Canadian Wealth Creation Centre Inc. It does not take your circumstances into account and is not a recommendation to buy, hold or cancel any contract. CWCC is not registered with CIRO and does not provide securities advice. The firm places insurance in Quebec, Ontario, Alberta, British Columbia, Manitoba and New Brunswick; clients elsewhere are served by advisors licensed in their province.

    Nothing here was written with your file in front of us. Read it to understand the subject, then judge it against your own situation, ideally with someone who is licensed where you live and who has seen your numbers.

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