Whatever your travel plans, your typical travel health insurance plan should cover you for unexpected illness or injury while on holiday. Things like emergency transportation (ambulance), doctors' fees, hospital care and accommodation, and prescription medication are standard fare in a travel health insurance plans.
All policies have limitations and exclusions. For instance, many travel health insurance providers have a maximum amount the insurer will pay for the total of all services and travel insurance coverages under the policy. Some policies have a $2 million dollar limit and others have a $5 million limit. The maximum will vary by policy and provider so it's wise to know how much you're covered for in an emergency.
Other common limitations or exclusions include medical emergencies caused by pregnancy, travel to certain dangerous countries, or injuries caused by high-risk adventure-type sports. Also, don't expect to be covered for non-medical emergencies like a routine checkup or elective surgery; emergency medical travel insurance is intended for sudden, unforeseen sickness or injury.
It all boils down to this: read your policy as each one is different.
Travel Insurance Quickguides
- Introduction To Travel Insurance In Canada
- Travel Insurance Glossary
- Travel Related Questions & Answers
- Getting Travel Insurance Coverage
- Getting Medical Attention With Your Travel Insurance
Travel Insurance Resources From The Government Of Canada
The Government of Canada has many resources to help:
- Country Travel Advice and Advisories
- Canadian Tourism Commission
- Citizenship and Immigration Canada
The information contained within this article is subject to change. Always speak with your travel insurance supplier, or a licensed insurance representative, to answer your specific questions. The information collected and compiled here is intended to simply act as a guide.