Common questions

  • Life Insurance can protect your family from any financial crisis
  • You leave a completely tax-free inheritance to your dear ones or beneficiaries
  • Life Insurance can pay for your funeral expenses
  • You can clear your debts and loans with Life Insurance
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Travel Insurance Policy

Below-mentioned is reasons why you should choose La Capitale’s SOLIS Travel Insurance protection plan:
  • You have complete protection on your Travel Insurance when you are covered with damage insurance with La Capitale.
  • We provide a Travel Insurance extension for your peace of mind.
  • Travel Insurance coverages at affordable prices.
  • For related medical expenses, coverage up to $5,000,000
  • Support provided 24/7
  • Bespoke Travel Insurance packages are designed to suit your specific needs.
  • Our products are distributed by the most prominent Travel Insurance brokers in Canada – SecuriGlobe.
Why purchase Travel Insurance from La Capitale?
  • During your travel or before your trip, you may be subject to unexpected situations that may arise, such as divorce, job loss, serious injury, or even the death of a dear one, which could suddenly hinder your travel plans. With Travel Insurance from La Capitale, you're covered in the event of financial loss due to medical expenses incurred in Canada or abroad.
  • If you are hospitalized for an accident, sudden illness, RAMQ will reimburse the cost of hospital services based on the amounts mentioned below. However, as specified in the RAMQ information section below, the bill can be very costly. Travel Insurance balances the amounts not reimbursed by RAMQ:
  • Up to CAN$100 every day of hospitalization
  • Up to CAN$50 every day for health care received at a hospital outpatient clinic.
  • If the coverage is provided by credit card, you may be in for a surprise. The coverage period is often not very long, which is not ideal if you're looking to spend the winter in someplace warm. Also, the coverage amounts are generally not that high. Get in touch with your bank for more information.
  • If your company has a group insurance plan you are enrolled in, it may include certain restrictions. For example, in most cases, the coverage for baggage is not very high, or only a certain percentage of emergency medical expenses are reimbursed up to the total amount of costs incurred. It's vital for you to carefully read over the terms and conditions of your Travel Insurance plan before you start your travel.
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RAMQ Information

RAMQ advises individuals to take out private insurance before the start of their travel. If you are travelling outside Quebec City, RAMQ covers only a particular portion of medical costs. In addition, government health plans do not provide coverage for certain services (air ambulance or emergency dental services). If you do not have private Travel Insurance when receiving health care outside Quebec City, you will be accountable for the part of expenses not reimbursed by RAMQ. Additionally, RAMQ provides no customer service or coverage in the event of loss of baggage or cancellation of trip.
Hospitalization insurance
  • In a sudden illness or an emergency, RAMQ provides reimbursement for care in the situations mentioned above. (e.g., an injury relating to an accident)
  • If the person requires emergency hospitalization, RAMQ pays a maximum of $100 per day of hospitalization if the insures requires emergency hospitalization (including day surgery too).
  • If the person receives care at an emergency department without being admitted to the hospital, RAMQ pays a maximum of $50 for the care provided.
Services not covered under this plan
Under the government health plan, few healthcare services provided outside Quebec City are not covered under insurance. Below-mentioned is a few examples is a few examples:
  • Any medical service not covered in the city of Quebec.
  • Medical services are administered by a health professional other than a doctor, a dentist, or an optometrist.
  • The expense of a private or semi-private hospital room.
  • Emergency ground or air transportation.
  • Expenses for repatriation to Quebec City.
  • Drugs purchased outside the city of Quebec, even if prescribed by a physician (people who frequently take prescription medications should ask their pharmacist before leaving Quebec if they can get the drugs they'll need while they're gone.).

Examples of the portion of expenses for which travellers without private insurance are responsible

Below-mentioned is examples from the RAMQ website.
Example 1: Amount reimbursed when the insured consults a general physician in Florida by RAMQ
Amount to be charged Amount to be reimbursed by RAMQ The amount for which the patient is responsible
Professional services CAN$75 CAN$16.60 CAN$58.40
Example 2: Amount compensated by RAMQ when an insured is hospitalized in intensive care for three days in Florida following a heart attack
Amount to be charged Amount to be reimbursed by RAMQ The amount for which the patient is responsible
Hospital services CAN$25,000 $300 (CAN$100 per day) CAN$24,700
Professional services CAN$1,000 CAN$435 CAN$565
Total CAN$26,000 CAN$735 CAN$25,265
Example 3: Amount compensated by RAMQ when an insured is hospitalized for eight straight days in South Carolina for pneumonia
Amount to be charged Amount to be reimbursed by RAMQ The amount for which the patient is responsible
Hospital services CAN$27,493 $800 (CAN$100 per day) CAN$26,693
Professional services CAN$10,543 CAN$1,103 CAN$9,440
Total CAN$38,036 CAN$1,903 CAN$36,133

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