Travel medical insurance

What it means

Travel medical insurance covers emergency medical expenses incurred while travelling outside your home province or country — costs that provincial health coverage typically doesn't reimburse, or only partially covers, once you're outside your home jurisdiction.

Why it matters

Medical costs abroad — especially in countries like the United States — can be enormous without coverage, and provincial health plans rarely cover the full cost.

Common misunderstandings

• •Provincial health coverage (like OHIP) doesn't fully protect you outside your home province — even within Canada.
• •Pre-existing conditions can affect coverage significantly, and not disclosing them accurately can void a claim entirely.

Where you'll see it

Before any trip outside your home province, and as a required component of Super Visa applications.