FAQs on Travel Insurance

May 7, 2025

FAQs on Travel Insurance

Travelling is exciting, from exploring new destinations to meeting new people and creating unforgettable memories abroad. But unexpected issues such as medical emergencies, lost baggage, or trip cancellations can ruin your experience. Travel insurance provides financial protection and peace of mind. However, many Canadians wonder what a travel insurance policy covers and whether it’s worth it. To help you make an informed decision, we’ve answered the most common travel insurance questions. Whether you're planning a weekend getaway or a long vacation, knowing your options is essential. Let’s break down what every Canadian traveller should consider before their trip.

 

What exactly is travel insurance?

Simply put, travel insurance provides financial protection against medical emergencies, trip cancellations, and lost baggage. It ensures peace of mind while travelling. While no one plans for disruptions, travel insurance ensures that unexpected problems won't leave you stranded.

Do Canadians really need travel insurance?

Absolutely! Many Canadians assume provincial healthcare coverage extends fully to travel, but that's not the case. Provincial health plans typically cover only a small fraction of medical expenses incurred abroad, if at all. Without travel insurance, even minor injuries or illnesses could result in hefty bills.

Also, travel insurance covers more than medical costs. It includes things such as trip cancellation, lost luggage, and flight disruptions. Given how unpredictable travel can be, it's smart to have coverage that protects your investment.

What's usually covered by travel insurance?

Most comprehensive travel insurance plans include:

  • Emergency medical coverage: Covers hospital stays, doctor visits, ambulance transportation, and sometimes emergency dental care.
  • Trip cancellation/interruption: Refund costs if you must cancel or cut short your trip due to reasons such as illness, family emergencies, or severe weather.
  • Baggage loss/delay: Compensates you if your luggage is lost, damaged, or delayed by the airline.
  • Travel delays: Provides reimbursement for additional expenses like meals and hotels if your flight is significantly delayed.
  • Personal liability: Covers legal costs if you unintentionally injure someone or damage their property while travelling.

It's essential to read your policy carefully since coverages vary by provider and plan.

What isn't covered by travel insurance?

While travel insurance covers many common issues, there are typically exclusions such as:

  • Pre-existing medical conditions (unless disclosed and approved by your insurer).

  • Injuries or losses related to high-risk activities such as extreme sports unless explicitly covered.

  • Travel to high-risk destinations, particularly those with government-issued travel advisories.

  • Losses due to intoxication or illegal activities.

Always check the fine print or speak directly with your insurance provider to clarify what's excluded.

How do I choose the right travel insurance online?

Choosing the right travel insurance depends on several factors:

  • Destination: Medical costs differ greatly from country to country. Ensure your coverage aligns with healthcare costs at your destination.
  • Duration: Longer trips require broader coverage and higher coverage limits.
  • Activities: If you're planning adventure activities or sports, look for plans specifically covering these.
  • Age and health: Older travellers or those with health conditions may need specialized insurance.

Consulting an insurance broker or using reputable online comparison tools helps you find suitable coverage tailored to your travel plans.

When should I buy travel insurance?

Ideally, buy your travel insurance as soon as you've booked your trip. This ensures coverage for events such as cancellations, delays, or illness occurring before you even depart. Waiting until the last minute could mean missing out on essential protections.

How much does travel insurance cost?

The cost of travel insurance varies widely based on several factors:

  • Trip duration and destination.

  • Your age and health status.

  • Coverage type and limits.

Can I extend travel insurance while abroad?

Yes, many insurance providers allow extensions if your trip unexpectedly lengthens. However, you usually must request the extension before your current policy expires, and there might be conditions or additional costs. It's wise to confirm these details before leaving Canada to understand your options clearly.

What if I have a pre-existing condition?

If you have pre-existing medical conditions, it’s critical to disclose these when purchasing your policy. Some insurers provide coverage for pre-existing conditions, usually at additional cost or under specific conditions. Failing to disclose health conditions might invalidate your coverage.

How do I make a claim?

If something goes wrong on your trip:

  • Immediately contact your insurer. They provide guidance on next steps and necessary documentation.

  • Keep detailed records and receipts of all related expenses.

  • File the claim promptly after returning home. Provide all requested information clearly and completely.

Prompt communication with your insurance provider significantly eases the claims process.

Conclusion

Travel insurance may not be the most exciting part of trip planning, but it is essential. Unexpected events such as medical emergencies, trip cancellations, or lost baggage can happen anytime. Without proper coverage, you could face costly bills and unnecessary stress. Before your next trip, take the time to review your options. If you’re unsure which plan is best, a travel insurance broker can help you find the right coverage. Understanding your policy’s details ensures you know what to expect if something goes wrong. At Begin Insurance, we provide expert guidance to help you choose the best travel insurance for your needs. Whether you need coverage for medical emergencies, trip cancellations, or lost baggage, we work with top insurers to find the right policy at a competitive rate. Contact us today for personalized advice or get an instant travel insurance quote below.

At Begin Insurance, we offer expert guidance to help you select the most suitable travel insurance for your needs. Whether you require coverage for medical emergencies, trip cancellations, or lost baggage, we work with top insurers to secure the right policy at a competitive rate. Our partnership with Sonomad enhances our ability to provide dependable travel insurance options.

 

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