If you’re going on vacation, don’t forget travel health insurance
If you’re travelling outside Canada, or even outside your own province or territory, here’s why you should consider buying travel insurance.
Many Canadians spend weeks planning their vacation but forget one of the most important items—travel insurance.
Here are a few reasons why it matters:
✔️ Emergency medical treatment outside Canada can cost thousands of dollars.
✔️ Ambulance rides, hospital stays, emergency flights, and medical evacuation may not be covered by your provincial health plan.
✔️ Trip cancellation and interruption coverage can help recover non-refundable travel expenses if unexpected events force you to cancel or return home early.
✔️ Even travelling to another province can leave you with expenses that your provincial health plan doesn’t fully cover.
✔️ Don’t assume your employer benefits or credit card provide enough coverage. Check the limits, exclusions, age restrictions, trip duration, and coverage for pre-existing medical conditions.
A short trip can turn into a very expensive one without the right protection.
Before you travel, make sure you understand what is covered so you can enjoy your vacation with peace of mind.
If you’re planning a trip, I can help you find travel insurance that fits your destination, trip length, and budget.What are the different kinds of travel insurance?
McAleer said there are two main kinds of travel insurance: medical and emergency, and trip cancellation and interruption.
Medical and emergency insurance can cover costs such as an ambulance ride, hospital visit, air ambulance, and even commercial repatriation for continued care, he said.
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Trip cancellation and interruptions coverage, meanwhile, can save the high costs of trip disruptions due to personal emergencies.
For example, Canadians often go down to Mexico on packaged trips and take chartered flights, McAleer said. If they need to get home mid-trip for an emergency and don’t have coverage, the new flight could cost more.
Canadians often forgo insurance coverage when travelling domestically—partly because they enjoy universal health care benefits across provinces. But that may not be enough in some situations,
📞 Jatinderbir S. Bajwa
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