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Travelling Canadians

Explore with Confidence, Insure Your Journey

Travel insurance is important to help protect you, your family from costs that can occur due to an unforeseen medical emergency during a trip or due to unexpected trip cancellations and interruptions. Without it, travellers may be left to pay significant out of pocket expenses.

Your government health insurance plan may only cover a fraction of healthcare expenses incurred outside Canada, and may only provide limited coverage. Without travel insurance, a medical emergency or trip interruption due to an emergency could be disruptive and leave you facing large unexpected expenses.

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FAQ

What does travel insurance typically cover?
While coverage may vary depending on the policy and provider, travel insurance generally covers trip cancellation or interruption, medical expenses, emergency medical evacuation, lost or delayed baggage, travel delays, and accidental death or dismemberment. Some policies may also offer additional benefits such as coverage for rental car damage or adventure sports activities.
Can I purchase travel insurance for any type of trip?
Yes, travel insurance can be purchased for various types of trips, including domestic and international travel, business trips, family vacations, or even short weekend getaways. It is advisable to consider travel insurance regardless of the destination or purpose of your trip.
How much does travel insurance cost?
The cost of travel insurance varies depending on several factors, including the duration of the trip, the coverage limits and benefits selected, the age of the travelers, and the destination.
How do I choose the right travel insurance policy?
When selecting a travel insurance policy, consider factors such as the coverage options, limits, deductibles, and exclusions. Assess your specific needs and the risks associated with your trip to determine the appropriate level of coverage. It can be helpful to compare policies from different providers to find the one that best suits your requirements and budget.
When should I purchase travel insurance?
It is advisable to purchase travel insurance soon after making your travel arrangements, as it can provide coverage for unforeseen events that may occur before or during your trip. Some benefits, such as trip cancellation coverage, may have specific timeframes within which they are applicable, so purchasing early ensures maximum coverage.
Are there any exclusions or limitations to travel insurance coverage?
Yes, travel insurance policies may have exclusions and limitations. Common exclusions include pre-existing medical conditions, acts of war, participation in high-risk activities, or losses due to illegal activities. It is important to carefully review the policy wording to understand the specific exclusions and limitations that apply.
Can I cancel or modify my travel insurance policy?
Most travel insurance policies have a free-look period, during which you can review the policy terms and conditions and cancel it for a full refund if it doesn't meet your needs. After the free-look period, modifications or cancellations may be subject to the terms and conditions outlined in the policy.
How do I make a claim on my policy?
In the event of a covered loss or emergency, you should contact your insurance provider as soon as possible to initiate the claims process. They will guide you through the necessary steps and documentation required to submit your claim. It is recommended to keep copies of all relevant receipts, medical records, and other supporting documentation.