Travel Insurance

Most travel insurance policies cover emergency medical expenses up to $5 million, though some policies may offer coverage up to $2 million. Coverage typically includes:

• Ambulance services
• Hospital stays
• Diagnostic tests
• Emergency surgeries
• Prescription medications for emergency treatment

Each policy may have additional coverages and exclusions, so it's important to consult with your insurance advisor to choose the best policy for your needs.

You can choose your deductible amount at the time of purchase. A higher deductible generally results in a lower premium.

Pre-existing conditions that are stable may be covered under your policy. However, coverage varies between insurance providers, so it's best to discuss your medical history with your insurance advisor to find the right policy for you.

Travel insurance provided by credit cards often comes with limited coverage and strict conditions. In contrast, an individually purchased travel insurance policy typically offers broader coverage with fewer restrictions. Before relying solely on your credit card's coverage, check with your provider to understand its limitations.

Some travel insurance policies offer coverage for trip cancellations, interruptions, and lost baggage, but limitations and exclusions apply. Check your policy details or speak with your insurance advisor to confirm what is included.

Yes. If you are travelling outside Ontario, your OHIP card does not cover all emergency medical expenses. Purchasing personal travel insurance before traveling outside your home province is highly recommended.

No. OHIP provides limited coverage for medical expenses incurred outside Ontario. To ensure you are fully protected, it is advisable to purchase private travel insurance when travelling outside the province.