GMS Travel Insurance Review
GMS (Group Medical Services) is one of Canada’s smaller full-service travel insurance underwriters. Headquartered in Regina until the late 1990s, it was part of the Blue Cross network. They started out providing group benefits in Saskatchewan and are currently one of Canada's largest providers of individual extended dental and medical benefits. GMS also offers emergency medical travel insurance and trip cancellation and interruption insurance.
GMS is popular with Canadians aged 60+.
GMS Standout Policy Benefits
Ambulance Services
Included to the maximum. $20,000 for air ambulance. (GMS Emergency Medical Plans)
Default Protection
Aggregate limit of $200,000/year for all GMS policyholders. (All GMS Plans)
Follow-up Visits
One visit within 14 days of the emergency.
GMS Advantages & Disadvantages
| Advantages | Disadvantages |
|---|---|
The GMS Travelstar Emergency Medical plan is one of the few policies that will cover travellers with heart surgery over 12 years ago. | GMS benefits are average compared to other similar policies. |
Children under 16 travel for free on family policies. | The GMS Travelstar Emergency Medical policy is less popular for travellers under age 59. |
Minor medical conditions like high blood pressure are not considered on medical questionnaires for seniors. | |
There is a blanket 180-day stability period on all policies. | |
GMS emergency medical policy rates are competitive across all ages. |
