What Tour+Med does

Tour+Med is a Canadian travel insurance distributor headquartered in Trois-Rivières, Quebec, operating for approximately 30 years under its legacy "La Survivance-Voyage, compagnie d'assurance" identity. It functions as a managing general agent (MGA) and brokerage brand underwritten by Humania Assurance Voyage, meaning Tour+Med designs, prices, distributes, and services travel insurance products while Humania carries the insurance risk on the carrier side.

The company's product suite covers the core Canadian outbound travel insurance categories: emergency medical coverage up to $5M CAD, trip cancellation and interruption up to $12K CAD, multi-trip annual plans, single-trip plans, baggage, accidental death and dismemberment, and optional riders including Cancel For Any Reason and reduced/extended pre-existing-condition stability periods. A proprietary online Stability Calculator supports applicants through medical pre-qualification before purchase. Distribution is multi-channel: a national network of 819 licensed insurance representatives, traditional insurance brokers, an online B2C quote portal (b2c.tourmed.ca), a client self-service portal, and a group/employer channel for organizational policies. The company is a member of the Travel Health Insurance Association (THiA) and processes payments through Desjardins. In 2026, Tour+Med extended its product line with a Visitors to Canada insurance offering, broadening the addressable market from outbound Canadian travellers to inbound visitors.

Revenue is generated through brokerage commissions and MGA fees on policies distributed, with 24/7 bilingual emergency assistance included as a service feature rather than a revenue line. The company is privately held with 11-50 employees and does not publicly disclose revenue, funding, or ownership structure beyond its Humania underwriter relationship.

Name

Tour+Med

Legal name

La Survivance-Voyage, compagnie d'assurance

Website

https://tourmed.ca

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Tour+Med is a Canadian travel insurance broker and MGA underwritten by Humania Assurance Voyage, distributing emergency medical, trip cancellation, multi-trip, and visitor insurance products through 819 licensed representatives and an online B2C portal.

Ownership category

akta.pro rank

Product category

Travel Insurance

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB)

akta.pro secondary industries

Travel Medical Insurance (Individual) (FSAIAEAI), Travel Insurance & Corporate Risk Transfer (Trip, Medical, Kidnap & Ransom) (THACAEAH), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Travel medical insurance
• Trip cancellation insurance
• Visitors insurance Canada
• Group travel insurance
• Travel assistance services

Headquarters

HQ city

Trois-rivières

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Premiums: Tour+Med generates revenue through insurance premiums collected from individual and group travel insurance policies. Premiums are calculated based on trip length, destination, traveller age, health status, and selected coverage options. The company acts as a licensed broker and representative network underwritten by Humania Assurance Voyage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Tour+Med sells Canadian travel insurance products including emergency medical insurance (up to $5,000,000 CAD), trip cancellation and interruption insurance, multi-trip annual plans, visitors to Canada insurance, and group travel insurance. Policies are underwritten by Humania Assurance Voyage and distributed through licensed representatives, brokers, and online portals to Canadian travellers and visitors to Canada.

Product overview

Tour+Med (Tourmed) is a Canadian travel insurance company offering a comprehensive portfolio of travel insurance products underwritten by Humania Travel Insurance. The core offering includes Emergency Medical Insurance (up to $5,000,000 coverage) and Trip Cancellation & Interruption Insurance, which can be purchased as individual Per Trip Plans or Multi-Trip Annual Plans. Additional products include Baggage & Personal Effects Insurance and Accidental Death & Dismemberment Insurance, sold as part of the Non-Medical Package. Optional add-ons include 'Cancel For Any Reason' coverage, Reduced Stability Period Option, and Extended Stability Period Option. The company also offers Group Travel Insurance for employers and Visitors to Canada Insurance for inbound travelers. A proprietary Stability Calculator tool helps applicants assess pre-existing condition eligibility. Emergency medical assistance is available 24/7 in English and French worldwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Emergency Medical Insurance Primary travel medical insurance covering emergency medical expenses while traveling outside the province of residence. Provides coverage up to $5,000,000 CAD for medical emergencies arising from sudden and unforeseeable circumstances. Available as Per Trip Plan for clients up to 95 years old.
• Trip Cancellation & Interruption Insurance Insurance covering specific situations that could cause cancellation before departure or interruption during the trip. Reimburses losses incurred due to covered risks as specified in the policy, up to $12,000 CAN per insured person. Available for Canadian residents under 86 years old.
• Multi-Trip Annual Plan Annual plan valid for one year covering multiple trips throughout the year. Available in 8-day, 15-day, and 30-day maximum trip duration options. Clients must be under 85 years old for 8/15-day plans and under 80 years old for 30-day plan. Can be combined with per-trip top-ups for longer journeys.
• Per Trip Plan Individual per-trip travel medical insurance available for trips up to 183 or 212 consecutive days depending on province of residence, for clients up to 95 years old. Premiums vary by age, destination, trip length, and health profile.
• Visitors to Canada Insurance Emergency medical coverage specifically designed for visitors traveling to Canada, including Super Visa coverage. Added to product offering in 2026. Note: pregnancy and childbirth are not covered under this plan.
• Group Travel Insurance Travel insurance coverage designed for groups, typically provided through employers or organizations. Includes medical emergency coverage and optional trip cancellation/interruption benefits. Distributed through HR departments, benefit administrators, and group insurance brokers.
• Non-Medical Package Package combining Trip Cancellation & Interruption Insurance, Baggage & Personal Effects Insurance, and Accidental Death & Dismemberment Insurance. Available for Canadian residents under 86 years old purchasing within 15 days of first non-refundable deposit.
• Emergency Medical Assistance Services 24/7 bilingual emergency assistance available worldwide. Services include helping locate physicians/clinics/hospitals, confirming insurance coverage, coordinating medical treatment, guaranteeing payments, arranging family member travel, and repatriation services.

Quantifiable outcome

• Pre-existing conditions covered for travellers aged 60-69 with only 3 months stability (vs. competitors requiring up to 365 days)
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and supporting.

• Humania Assurance Voyage (Humania Travel Insurance)coreOthersHumania Assurance Voyage is the underwriter and insurer behind Tour+Med products. Tour+Med operates as a managing general agent and broker, distributing Humania travel insurance policies. The underwriter provides claims payment, regulatory compliance infrastructure, and product backing. Tour+Med is branded separately and uses its own sales network and customer portals.
• DesjardinssupportingTechnology or IntegrationDesjardins processes all online credit card payments for Tour+Med. SSL-secured transmission standards are met, and Desjardins handles payment processing directly. No credit card data is stored by Tour+Med systems.
• THiA (Travel Health Insurance Association)supportingStrategic or Co-development PartnerTour+Med (through its underwriter La Survivance-Voyage / LS-Travel) is a member of THiA. The company adheres to the THiA Bill of Rights and Responsibilities, which promotes transparency and consumer protection in travel insurance. 95% of travel insurance claims in Canada are paid per THiA/KPMG data.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Allianz Travel Insurance: Allianz Partners operates a global travel insurance business with a Canadian presence, offering emergency medical, trip cancellation, and multi-trip plans. It is a broad incumbent that competes with Tour+Med on retail travel insurance and visitors-to-Canada products but at significantly larger global scale.
• Blue Cross Travel Insurance (Canadian Blue Cross plans): The Canadian Blue Cross plans (Pacific Blue Cross, Alberta Blue Cross, Ontario Blue Cross, etc.) offer travel medical insurance across Canada, including visitors-to-Canada and group plans. They are regional incumbents with deep broker and employer relationships that directly overlap with Tour+Med's distribution model.
• Manulife Travel Insurance: Manulife offers travel medical insurance as part of its broader Canadian life and health insurance portfolio, distributing through employers, advisors, and direct channels. It is a much larger incumbent that overlaps with Tour+Med on emergency medical, trip cancellation, and visitors-to-Canada products but competes from a diversified insurance platform.
• Travel Guard (AIG): Travel Guard is AIG's global travel insurance brand with a Canadian offering for individuals and groups. It competes head-to-head with Tour+Med on emergency medical and trip cancellation coverage and benefits from AIG's global assistance infrastructure and financial strength.
• Sun Life Travel Insurance: Sun Life Financial offers travel medical insurance as part of its broader Canadian group benefits and individual insurance portfolio, with strong employer and advisor distribution. It competes with Tour+Med on group travel plans and emergency medical coverage but operates from a much larger, diversified insurance platform.

Direct peers

• 21st Century Travel Insurance: 21st Century Travel Insurance is a Canadian travel insurance provider selling individual, multi-trip, and visitors-to-Canada plans online and through brokers. It is a direct peer in terms of product structure, Canadian-market focus, and the visitor-to-Canada segment where Tour+Med launched in 2026.
• TuGo Travel Insurance: TuGo is a Canadian-focused travel insurance provider offering individual, group, and visitors-to-Canada plans underwritten in Canada. It is one of the closest direct competitors to Tour+Med in the Canadian market, sharing similar product structure, broker/rep distribution, and outbound-and-inbound Canadian focus.
• Medipac Travel Insurance: Medipac is a Canadian travel insurance specialist historically focused on the snowbird/senior outbound segment with broker distribution. It is one of the closest direct peers to Tour+Med, particularly on age-up-to-95 coverage and pre-existing condition handling for older Canadians.
• RSA Travel Insurance (Johnson Inc.): Johnson Inc. distributes RSA Travel Insurance across Canada, including visitors-to-Canada and group travel plans, through a broker/affinity network. It is a direct peer in terms of Canadian-market focus, multi-channel distribution, and product portfolio overlap with Tour+Med.

Emerging players

• World Nomads: World Nomads is a digital-first travel insurance provider focused on adventurous and frequent international travellers. It is an emerging peer in the Canadian retail travel insurance market where Tour+Med also competes, particularly among younger outbound Canadian travellers, though it does not target Tour+Med's senior/snowbird core.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/tourmed.ca
• LinkedInlinkedin.com/company/tour-med-assurance-voyage-travel-insurance
• Instagraminstagram.com/tourmed.ca

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tour+Med