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Coverage to explore the world
If you're an avid traveller, you're probably already enamoured with the idea of long-distance travel. However, it's wise to consider your options for worldwide coverage to ensure you're adequately protected in case of unforeseen circumstances.
With travel insurance, you can roam the world and obtain emergency medical treatment without worrying about the exorbitant costs of foreign medical care. It's the ideal way to explore the globe with the peace of mind that you're covered in the event of an unexpected illness or injury abroad.
When comparing travel insurance policies, be sure to use an online tool like ours. This powerful tool enables you to assess various coverage options and prices from different insurers, making it simple to identify the policy that best suits your needs.
It's important to scrutinise the coverage limits, deductibles, and exclusions when comparing policies so that you're aware of precisely what is and isn't covered. With a little research, you can discover the perfect travel insurance policy to keep you protected on your next overseas adventure.Get a quote
What is worldwide coverage?
If you're planning to travel out of your home province or territory, it's highly recommended to pack travel insurance. This is especially important for international trips as Canada's Government Health Insurance Plan won't cover your medical expenses in other countries, and healthcare costs abroad can be exorbitantly high.
Not having travel insurance can put you in a precarious position as many healthcare providers require upfront payments, which can be financially straining, especially if you're unprepared.
It's also worth noting that some countries require proof of travel insurance before allowing entry, so it's best to check with the embassy or consulate beforehand.
Moreover, as you travel further away from home, the cost of medical repatriation gets increasingly expensive. Hence, opting for worldwide coverage is a no-brainer if you're planning a globetrotting trip. Take the necessary precautions to secure your health and wellbeing while travelling.
Where can I travel with worldwide coverage?
If you're planning to travel abroad, it's crucial to consider the potential risks and take necessary precautions to ensure that you're covered in the event of an unexpected situation.
If you're looking to get coverage for a single trip, you'll need to provide the names of all the countries you'll be visiting to ensure that you are fully covered.
However, if you're a frequent traveller, you may want to consider an annual multi-trip plan, which can provide you with comprehensive coverage throughout the year. Insurance providers typically divide worldwide cover into two categories:
- Worldwide including the USA, and
- Worldwide excluding the USA.
If you don't plan on visiting the United States of America, there's no need to pay extra to include that coverage in your plan. However, it's always essential to keep in mind that every insurance provider is different, and some may not offer coverage for every destination worldwide. Therefore, it's crucial to check your policy wording before making a decision.
When planning your travel, it's also important to check the advice issued by the Canadian Government. If the Government has advised people not to visit by issuing a travel advisory, this can impact your coverage. It's essential to understand the potential risks associated with your travel destination and take necessary precautions to ensure that you're adequately covered.
Make sure you've got all your bases covered, so you can travel with peace of mind, knowing that you're protected against unexpected situations.
What is travel assistance?
Medical emergencies and accidents can occur unexpectedly, leaving you and your loved ones in a vulnerable position, both physically and financially. With travel insurance, you not only get financial protection, but also access to travel assistance teams who can guide you through the challenges of international healthcare.
Imagine having your own operations team on call, ready to help you navigate language barriers, medical record transfers, and billing issues. They can provide you with medical referrals, arrange transportation, and even help you locate prescription medication in foreign countries. With travel insurance, you can have peace of mind knowing that you are covered for any unexpected medical situation that may arise during your travels.
Additionally, travel insurance can also provide coverage for trip cancellations, delays, and lost or stolen baggage. So you can rest assured that you are protected from any unforeseen circumstances that could disrupt your travel plans.
How to get the best worldwide coverage?
Before purchasing travel insurance, it's important to have a clear plan of the countries you intend to visit, to ensure you have adequate coverage for your trip. You should consider whether a single trip or annual multi-trip plan is better suited to your travels, as well as the duration of each trip, the activities you plan to engage in, and the potential risks associated with your destination.
While we all want value for money, it's crucial not to compromise on the level of coverage you require. Ensure you're fully covered for all your adventures around the world, including medical expenses, emergency evacuation, trip cancellation, and lost or stolen luggage.
By clicking below, you can quickly and easily compare worldwide travel, trip, and vacation insurance from our panel of trusted insurance providers. Don't let unforeseen circumstances spoil your well-deserved holiday - be prepared and protected with comprehensive travel insurance.Get a quote
Your Government health plan does not provide coverage for medical expenses incurred outside of Canada (some provincial plans provide very limited reimbursement for out-of-province medical bills). Travel insurance provides coverage for unexpected medical emergencies and related expenses incurred outside of Canada (and your home province). Travel insurance needs to be purchased prior to departing your home province.
If you are planning on making several trips a year, then an annual multi-trip plan could save you time and money. It is worth comparing coverage and rates.
A deductible is the amount that must be paid by you before the insurer begins to pay. For example, if your plan has a $500 deductible, and you have an accident that incurs medical costs of $2,000, you will have to pay the first $500 and your insurer would cover the additional $1,500 (or up to your coverage limits).
Deductibles can vary by coverage section and by insurer.
We can help you compare travel insurance coverage if you're a Canadian resident & covered by a Government Health Insurance Plan in your province or territory of residence for the entire duration of your trip.
You are not travelling against the advice of a physician, been diagnosed with a terminal illness, metastatic cancer, require kidney dialysis or travelling to get medical treatment or advice abroad.
You have not been prescribed or used home oxygen in the last twelve months, undergoing investigative treatment for shortness of breath or chest pain.
You have never had a bone marrow, stem cell or organ transplant and do not require assistance with activities of daily living as a result of a medical condition or state of health.
As COVID-19 is a known event, this may not be a covered reason for cancelling your trip. It is important to check the policy details to understand what is and isn’t covered.
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Warren holds over 19 years of experience in the travel insurance industry. He enjoys telling the stories of people and places which is fed by his love of travel. Warren is an active member of the Travel Health Insurance Association of Canada (THIA) to better educate the Canadian traveller on the benefits of travelling protected.
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