Travel medical insurance
April 2022 – 15 min read
Your usual health insurance may not cover you while you’re travelling
Travel medical insurance can help cover medical emergencies while you’re away
Travel medical insurance can be purchased as part of your other health coverage
Travel medical insurance is different than trip cancellation insurance, which can cover the cost of your flight or hotel if you have to cancel.
What does travel medical insurance cover?
It can vary between plans, but these are usually covered:
Emergency care, like an injury or a sudden illness like heart attack or appendicitis
Medical evacuation, either home to Canada or the nearest place with the right level of medical care
Repatriation if you pass away
Medical costs up to a maximum amount, which can vary depending on your plan
Pre-existing conditions, although pre-travel stability periods may apply
What doesn’t travel medical insurance cover?
Again, it varies but these are pretty standard exclusions:
Injuries or death caused by high-risk activities, like skydiving or scuba diving
Routine or elective care
COVID-19, although some plans – like Canada Life’s Freedom to Choose™ health and dental insurance – may provide coverage
Certain destinations, particularly if the government has issued a travel advisory
How do you get travel medical insurance?
There are a few different ways to get travel insurance:
Your workplace or group benefits plan
Your individual health and dental insurance plan, where it may be offered as additional coverage (For example, Freedom to Choose health and dental insurance allows you to purchase it as an add-on to your health insurance, often for just a few extra dollars a month)
A credit card that includes travel insurance coverage
A company offering single trip travel policies
When you’re planning your next trip, make sure you’re covered for any health emergencies that aren’t covered by your usual insurance