The Co-operators

The Co-operators

July 16, 2013 08:59 ET

Travelling Within Canada? Don't Forget Your Travel Insurance!

GUELPH, ONTARIO--(Marketwired - July 16, 2013) - This vacation season, whether you're planning a trip within Canada or to another country, don't forget to pack your most essential item - your travel insurance! Buying medical travel insurance for your vacation will ensure that, should the worst happen and you have an accident or become ill, you'll be covered for the treatment required with no problems.

You likely realize that you need to purchase some kind of vacation insurance coverage for trips to the U.S. or overseas, but did you know that coverage is also necessary when travelling outside of your home province within Canada? The cost of health benefits varies widely between provinces and while your government health plan keeps you covered in your home town, this coverage might not be sufficient if you travel elsewhere. Therefore, you should purchase additional medical insurance prior to leaving to make sure you are covered for the difference in case of accident or illness.

The standard health insurance plan covers:

  • Hospital/medical/physician expenses
  • Emergency dental expenses
  • Prescription drugs and X-rays
  • Air ambulance (with prior approval)
  • Living allowance (with a maximum) for commercial accommodation and meals if you are delayed by injury or illness beyond your scheduled return

Additional coverage can be purchased for:

  • Baggage (in case it's lost, stolen or damaged)
  • Trip cancellation (in case you have to cancel or return at a different time due to an illness or death)
  • Visitors to Canada (medical coverage for visitors who are not Canadian citizens)

Remember that illnesses or accidents do happen so be prepared by researching your destination; packing the essentials; ensuring someone is keeping an eye on your home; and protecting yourself with travel insurance. The peace of mind you'll have, knowing you're protected should the worst happen, will make your vacation that much more enjoyable. Happy travelling!

Visit The Co-operators to learn more about travel insurance for trips within and outside of Canada.

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