Summer in Canada is a time for unforgettable adventures — from hiking in BC to whitewater rafting in the Ottawa Valley. But while you're packing your gear and planning the perfect trip, there's one essential thing many Canadians forget to check: Does your emergency medical travel insurance actually cover you if something goes wrong during your adventure?
What Activities May Not Be Covered?
Most standard emergency medical travel policies include coverage for illness or injury — but not all activities are automatically covered, especially those considered high-risk or extreme.
- Common exclusions include
- Mountain biking on technical trails
- Whitewater rafting beyond a certain class (typically Class III or higher)
- Backcountry hiking or climbing without a guide
- Scuba diving without proper certification
- Skydiving, parasailing, bungee jumping, or zip-lining
- ATVing or other motorized off-road sports
- Participation in organized sporting competitions
Even something as simple as hiking can be excluded if it’s considered off-trail, above a certain elevation, or in a remote area without proper support.
How Can Travellers Ensure They’re Covered?
Before heading out, review your travel policy carefully or speak with your EasyInsure advisor. We can help you:
- Understand what’s included and excluded in your current plan.
- Add optional coverage or a rider for adventure or extreme sports.
- Ensure you’re protected for out-of-province and out-of-country travel.
- Find a plan that covers medical evacuation or helicopter rescue if you're exploring remote regions.
Many Canadians assume their health card will cover them throughout the country, but provincial health plans are
very limited when outside your home province and do not cover even the basics, such as air ambulance costs or medical care outside of your home province.
Play Smart, Adventure Safe
Whether you're rafting in Alberta, biking in Quebec, or hiking Newfoundland’s coastal cliffs, the best adventures are the ones you come home from safely — and affordably.
At EasyInsure, we ensure your memories are the only thing you take away from your summer adventures, not unexpected medical bills. Please reach out to us to get the coverage you need.
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