Summer Travel Insurance: Questions Canadians Should Ask Before Departure

Travel insurance is easiest to evaluate before a trip, when there is time to read the certificate and disclose relevant health information. Provincial health coverage is generally limited outside Canada and may not cover the full cost of emergency treatment or transport.

Check Existing Coverage First

Some credit cards, workplace plans, and group benefits include travel features. Confirm who is covered, trip-length limits, age restrictions, benefit maximums, and whether activation steps are required. Do not assume a card benefit covers every traveller or every expense.

Pay Attention to Medical Conditions

Travel medical policies often use stability periods and exclusions for pre-existing conditions. Read the definition of “stable,” answer health questions accurately, and retain the certificate. If an insurer offers a medical questionnaire, complete it carefully rather than guessing.

Before You Leave

• Save the emergency assistance number separately from your policy.
• Carry policy and prescription information securely.
• Understand requirements for trip cancellation, interruption, and baggage claims.
• Contact the assistance provider as soon as a medical emergency occurs when the policy requires it.

Bottom Line

The best time to understand travel insurance is before departure. Compare coverage to your itinerary, medical history, and existing benefits, then keep the assistance instructions accessible throughout the trip.