TruStone Health Insurance Review

TruStone Financial Inc. is a wholly-owned subsidiary of The Empire Life Insurance Company (Empire Life), formed in 2022 by merging six entities in the Canadian financial services marketplace. 

The travel and health insurance division of TruStone Financial is known as TruStone Health. TruStone Health provides insurance for Canadians and visitors to Canada. TruStone Health administers the insurance policies, The Empire Life Insurance Company underwrites the policy, and claims assistance is managed by Trident Global Assistance.

TruStone Standout Policy Benefits

TruStone Advantages & Disadvantages

    Advantages 

• TruStone’s travel insurance policies are competitively priced, particularly for travellers above the age of 55. 
• Low pre-existing condition stability periods of 90 or 180 days, depending on medical conditions.
• High age limit of up to 95 years old. 
• Deductible options up to 10,000 USD. 
• You save 15% if you’re travelling outside of the USA and Mexico.

    Disadvantages

• Lower benefit limits compared to other similar plans.
• An extensive medical questionnaire for pre-existing conditions policies.
• Deductibles are in USD, and the minimum deductible is $50.

Frequently Asked Questions

Show  Age Availability

Q: What is TruStone Health's age limit?

A: 

All TruStone Plans

Up to age 95

Show  Stable Pre-existing Medical Conditions

Q: Does TruStone have plans that cover stable pre-existing medical conditions?

A: Yes! Most of TruStone's policies cover pre-existing conditions. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How does TruStone's policy cost compare to other BestQuote policies?  

A: We created a bar chart to show you how the TruStone HMC No Pre-ex Plan Single Trip Worldwide cost compares to other BestQuote emergency medical policies for Canadians in 4 age categories: 25, 40, 55, and 75.

We compared each policy on March 13, 2025, with the following fixed criteria:

• Traveller type: Canadian traveller
• Policy type: Emergency medical insurance (single-trip)
• Deductible: $0
• Province: Ontario  
• Medical conditions: None
• Policy length: 30 days (1-month)  

The bar chart below compares the TruStone HMC No Pre-ex Plan Single Trip Worldwide against the average cost of all emergency medical single-trip policies available to Canadians in 4 age categories. Each policy has a rank assigned based on cost. The lowest cost policy is 1, and 11 is the highest.