Heading out of your home province for a summer getaway, a long weekend, or a family visit? Don’t forget one of the most important travel essentials: out-of-province emergency medical travel insurance. Even within Canada, your provincial health plan doesn’t cover everything. Whether you're hiking in the Rockies or relaxing at a lakeside cabin, it’s important to know your coverage before you go.
Here’s how to travel smarter and safer:
1. Choose the Right Travel Insurance for Your Trip
Don’t settle for the lowest price. Your travel insurance should match your activities and health status. Planning to ski in B.C., go white-water rafting in Alberta, or bike through P.E.I.? Make sure your coverage includes these adventures. Be confident that your policy aligns with your itinerary and lifestyle.
2. Be Honest About Your Health
Your age, medical history, and medications can impact your coverage. Always answer medical questionnaires accurately, as errors can lead to denied claims. Not sure how to answer a question? Ask your doctor for help to avoid confusion or disputes in the future.
3. Read the Fine Print
Your policy outlines what’s covered and what isn’t. Pre-existing condition exclusions, activity limitations, and claim procedures are all in the details. Take time to review the details of your policy.
4. Carry Your Policy Info With You
Bring a copy of your travel insurance policy and emergency contact numbers. In case of an emergency, you’ll know exactly what to do, who to call, and where to go for help. Keep digital and paper copies easily accessible to everyone you are travelling with.
5. Act Quickly if You Need to Make a Claim
If a medical situation arises, call emergency services first. For non-emergencies, contact your insurer as soon as possible. They can direct you to approved medical providers and may arrange direct billing, saving you from unexpected costs.