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Travel Insurance (3)
This will depend on a number of factors, such as the number of trips you might take each year, your health situation today and your current age. For example, someone over the age 60, and with a number of health issues that could change at any time, might do well to purchase a single-trip travel plan. Most annual travel plans have a pre-existing health condition clause after you purchase the policy.
If you are young and in good health, and fully understand the medical questions being asked, then you are probably okay to purchase vacation travel insurance online. Be careful to read the policy exclusions.
However, if you want to be absolutely sure you will be covered in the event of a claim, you should speak with a knowledgeable travel insurance broker. We would recommend you not purchase this type of insurance through an agent who represents just one company.
Although the provinces have reciprocal agreements with respect to Medicare, each province will have their differences in what is, and what is not covered. For example, ambulance (land or air) is not a covered item. And to be transported by air ambulance to the nearest hospital can be very expensive. The good news is, travel insurance within Canada is not that expensive.