Travel insurance operates similarly to other insurance types. By paying a premium, you secure benefits that mitigate unexpected travel expenses or emergencies. Be it a cancelled hotel reservation, non-refundable flight tickets, or lost baggage, your travel insurance plan can cover all or part of these costs.

The components of our travel insurance plan vary by provider but generally encompass costs associated with travel emergencies and delays. This includes illness, ambulance services, lost belongings, tour cancellations, flight cancellations, delays due to weather, and more. 

While some provinces may have arrangements for out-of-province medical billing, it’s not always comprehensive. In such instances, you might need to file a claim to recoup losses, but it might not cover all incurred costs. Medical expenses fluctuate by province, potentially leaving you with out-of-pocket expenses even with partial coverage.