For many Canadians, travel isn’t just about sightseeing, it’s about adventure. From zip-lining through tropical forests to diving beneath coral reefs, thrill-seekers are always looking for new experiences. But before you leap, dive, or climb, it’s important to make sure your travel medical insurance covers every part of your trip.
Many travellers assume their workplace benefits, credit card travel insurance, or even a standard emergency medical travel policy will protect them if something goes wrong. Unfortunately, that’s not always the case. Some policies exclude high-risk, hazardous, or extreme activities, leaving travellers financially vulnerable if an accident happens abroad.
Common Activities Often Considered High-Risk
While policy wording varies, the following activities may be excluded or require special coverage:
- Skydiving or bungee jumping
- Scuba diving beyond certain depths or without certification
- Rock or ice climbing
- Hang gliding or paragliding
- White-water rafting
- Downhill skiing, snowboarding, or ski jumping
- Car, motorcycle, or snowmobile racing
- Competitive or professional sports and endurance events
Even a single unplanned activity, such as joining a last-minute rafting trip, could void your policy’s medical coverage.
How to Protect Yourself
If there’s any chance your trip will include adventurous or physical activities, carefully review your emergency medical travel insurance policy, identifying potential exclusions and statements regarding coverage for high-risk activities.
With the right policy in place, you can focus on making memories, not worrying about medical bills.