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Choosing the Right Travel Insurance for Your Trip

From our Partners at Ontario Blue Cross

With COVID still on everyone’s minds, it’s important to be prepared before you leave on your next trip.

Unfortunately, many Canadians, according to Ontario Blue Cross, can end up making mistakes when they select travel insurance.

Remember, travel insurance isn’t just for travelling internationally. Your provincial health insurance plan does not cover all emergency medical care costs when you are outside your province of residence, so it’s important to be covered when visiting another province.

Key Considerations When Choosing

  1. Choose the Right Coverage, not the Lowest Price
    It’s important to know what you’re buying and what you’re covered for. Review the reimbursement amounts or deductibles (the amount you must pay out of your own pocket in the event of a claim), and make sure you understand what is covered and what is not.
  2. Be Honest with Your Insurance Provider
    You’ve heard of pre-existing conditions (friendly reminder: an illness, an injury, or a medical condition that was present prior to your departure date). Answer all qualifying questions honestly to ensure you can avoid surprises if you need to make a claim.
  3. Purchase Insurance with the Right Timelines
    Buy before you leave your province to ensure your coverage is fully available for your trip. Plus, ensure you declare the entire trip, including the day you leave to the day of your return. If anything changes with your timeline, contact your insurer.
  4. Read Your Insurance Contract Before Traveling
    This sounds obvious but it’s an important step before you leave your province so you know what’s covered and if there are exclusions, such as rock climbing or parachuting. If you’ve got longer-term travel insurance, ensure it’s still accurate for your current health.
  5. Relying on Credit Card or Group Travel Insurance
    Many Canadians have insurance provided by credit cards or group plans so ensure you have the full coverage you will need. Often there are exclusions or restrictions that may not fit with your intended travel plans so consider topping up your coverage.

Learn more about how Blue Cross Travel Insurance can help you enjoy your trip to the fullest.

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