Emergency medical and trip protection when you travel outside your province or the country.
Provincial health plans pay little or nothing for care outside Canada, and only part of the cost for care elsewhere in the country. Travel insurance can cover emergency medical care and, depending on the plan, trips that get cancelled or cut short.
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Usually only part of emergency medical costs outside your province, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
It depends on the policy. Many require your condition to have been stable for a set period before you leave, and some exclude it altogether. Answer the health questions carefully, because wrong answers can affect a claim.
Before you leave, and ideally soon after you pay your first deposit if you want trip cancellation coverage. Cancellation coverage often only applies if you buy it within a short window after that first payment.
Cancellation coverage reimburses prepaid, non-refundable costs if you have to cancel before you go for a reason the policy lists. Interruption coverage helps if you have to cut a trip short or return home early.
Yes. Many policies cover only a limited number of days per trip, which matters for long stays and for people who spend winters away. Check the maximum length before you buy.
Pick your province or territory for a plain-language overview of how insurance works there.