Understanding your options

Travel insurance

When you leave your province — whether abroad or across the country — your provincial health plan won't fully come with you. A medical emergency away from home can mean paying out of pocket.

By Trevor Perron, Independent Insurance Advisor · Serving Manitoba & Ontario

Emergency medical insurance

Covers hospital and doctor fees, prescriptions, emergency transportation such as air ambulance, and other essential care while you're away.

Trip cancellation and interruption

• Cancellation: reimburses prepaid costs if you must cancel before departure for a covered reason;
• Interruption: covers disruptions once your trip is underway — medical emergencies, severe weather, and more.

Other options

• All-inclusive packages combining medical and trip coverage;
• Accidental death and dismemberment;
• Coverage for higher-risk sports and activities;
• Baggage and rental car protection.

The bottom line

Travel insurance keeps a getaway from becoming a crisis — financial protection and support when the unexpected happens, so you can focus on the trip.