Travel Medical & Health

Author: Sara B.

Published: September 15th, 2021 | Updated: September 13th, 2022
Read time: 3 mins

If you are a Canadian planning to travel outside Canada, health insurance is a significant consideration. Whether you travel abroad, to another province or territory, or just across the U.S. border for the day, your Canadian Government Health Insurance Plan (GHIP) will cover little to none of your medical expenses while you are out of your home province, territory or country. This has always been an essential factor for travellers, but the COVID-19 pandemic has made it imperative to have coverage for emergency medical situations.

What is travel medical insurance?

International medical insurance, travel health insurance, commonly referred to as emergency medical insurance, is an insurance product designed to cover unexpected medical and related costs due to a medical emergency occurring while a Canadian citizen or resident is travelling outside of their home province, territory or country. Canadian Government Health Insurance Plans (GHIP) provide little to no emergency medical coverage to Canadians while travelling out of province, territory or country, so it is strongly recommended that Canadian travellers like you buy travel health insurance for the duration of your trip.

Does my health insurance cover travel abroad?

Canadian Government Health Insurance Plans (GHIP) do not cover your medical expenses while travelling outside Canada. Although some expenses may be eligible for reimbursement when travelling to another province or territory, Canadian government healthcare plans will not pay for medical care upfront, and you will be expected to pay out-of-pocket. Most hospitals and clinics outside of Canada are expensive and may only treat you if you can cover the cost.

How much travel health insurance do I need?

The amount of travel health insurance is based on the traveller’s individual needs. InsureMyTrip can help you compare plans to find the right coverage for your unique travel needs.

What does travel medical insurance cover?

Travel health insurance plans vary; however, they generally cover emergency medical and non-emergency medical costs incurred due to an emergency medical event while travelling. If something related to a pre-existing medical condition happens, you may not be covered and will be responsible for any costs. Some plans may provide coverage for pre-existing conditions if you meet the requirements set out by the insurance carrier. Ensure you review your policy for specific exclusions and limitations. Our Customer Care team can help to clarify.

Does travel insurance cover medical emergencies?

Travel health insurance plans include coverage for emergency medical and non-emergency medical expenses due to an accident or illness that occurs unexpectedly and is unrelated to a pre-existing health condition while travelling outside of Canada.

Does travel insurance cover medical evacuation?

Travel health insurance may include coverage for emergency evacuation in the event of a medical emergency. This coverage is designed to transport you to the nearest qualified facility that can treat your illness or injury if the initial treatment facility cannot do so and return you and your travelling companion to your home province in Canada as soon as you are stable.

Does travel insurance cover pre-existing conditions?

Sometimes. See our related article on pre-existing conditions.

How much does travel medical insurance cost?

Travel insurance is not one-size-fits-all and is as unique as the traveller themselves. It is crucial to be sure that your insurance policy offers the right coverage for your needs and circumstances. InsureMyTrip can help you compare plans to find the right coverage for your unique travel needs.

How do I choose the best travel medical insurance?

The best travel insurance depends on the traveller’s specific needs. Review and compare plans carefully to ensure your concerns are covered. Also, verify the terms, conditions, limitations, exclusions, and requirements of the insurance policy before departing Canada.

Helpful questions to consider when you are comparing plans:

• How much is the deductible? Plans with a lower deductible or more coverage may be more expensive but may save you money if you need to use them.
• Does the plan cover the entire length of your trip abroad?
• Is coverage limited or excluded in the countries you plan to visit?
• Does the insurance company also provide emergency assistance?
• Will the insurance company pay for hospitalization at your destination in case of illness or injury?
• Does the plan cover related medical expenses or treatments?
• Are medical bills paid upfront, or will I be expected to pay out-of-pocket and apply for reimbursement afterwards?
• Does the plan include coverage for anything as a result of COVID-19?