GMS Travel Insurance Review

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 Standout Policy Benefits

GMS Advantages & Disadvantages

   Advantages

• The GMS Travelstar Emergency Medical plan is one of the few policies that will cover travellers with heart surgery over 12 years ago.
• Children under 16 travel for free on family policies.
• 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.

   Disadvantages

• GMS benefits are average compared to other similar policies. 
• The GMS Travelstar Emergency Medical policy is less popular for travellers under age 59.

Frequently Asked Questions

Show  Age Availability

Q: What is GMS' policy age limit?

A: 

All GMS policies

Up to age 80

Show Stable Pre-existing Medical Conditions

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

A: Yes! GMS does have policies that cover pre-existing conditions. Generate a quote on the left side of this page to check stability requirements.

Show Cost

Q: How do GMS' policy costs compare to other BestQuote policies?  

A: We created a bar chart to show you how the GMS Travelstar Emergency Medical plan 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 GMS Travelstar Emergency Medical plan 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.